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Spanish net salary calculator 2026: gross to net
Enter your annual gross salary and see how much reaches you on each payslip, how much goes on social security and income tax, and what you really cost your employer. With the 2026 bases and rates and the withholding worked out the way the Spanish Tax Agency works it out.
Including the extra payments.
If they also live with their other parent, they count by half, as on form 145.
The same one you put on the form 145 you give your employer.
Paid only by the company and set by its activity: 1.50% for office work.
A guide only, not a final figure. For your exact payslip, check with your accountant or employment adviser.
Take-home pay per payslip
€1,628.50
12 payslips of €1,628.50 and 2 extra payments of €1,791.00.
- Take-home pay per year
- €23,124.00
- Cost to the company per year
- €39,645.00
What the employee pays
Taken from the gross: social security and income tax withheld.
- Gross salary
- €30,000.00
- Common contingencies4.70%
- -€1,410.00
- Unemployment1.55%
- -€465.00
- Vocational training0.10%
- -€30.00
- Intergenerational equity (MEI)0.15%
- -€45.00
- Income tax withheld (16.42%)
- -€4,926.00
What the company pays
On top of the gross: its share of social security.
- Gross salary
- €30,000.00
- Common contingencies23.60%
- €7,080.00
- Unemployment5.50%
- €1,650.00
- Vocational training0.60%
- €180.00
- Wage guarantee fund (FOGASA)0.20%
- €60.00
- Intergenerational equity (MEI)0.75%
- €225.00
- Workplace accidents1.50%
- €450.00
Where the company’s cost goes
- Take-home pay58%
- Income tax12%
- Employee social security5%
- Employer social security24%
Each euro of take-home pay costs the company €1.71. Contribution base: €2,500.00 a month.
An estimate using the 2026 social security bases and rates and the Spanish Tax Agency’s withholding algorithm. It does not apply in the Basque Country or Navarre, which have their own income tax. Withholding is not the final tax: your annual return adjusts it with your region’s scale and your deductions. What you type is calculated in your browser and sent nowhere.
How it works
Social security
The contribution base is the annual gross divided by twelve, with the extra payments spread out, up to the maximum base of €5,101.20 a month. On it the employee pays 6.50% on a permanent contract and the company 30.65% plus the workplace accident rate. Above the maximum base, the solidarity contribution is added.
Income tax withheld
Using the Spanish Tax Agency’s 2026 algorithm: contributions, €2,000 of expenses and the earned income reduction come off the gross, the scale is applied to what is left, the tax on the personal and family allowance is deducted and the cap for low earners is respected.
Cost to the company
The gross plus the social security the company pays. Divided by the take-home pay, it gives what each euro reaching the employee costs.
What it leaves out
- The Basque Country and Navarre, which have their own income tax and their own withholding tables.
- The final tax on your annual return, with your region’s scale and deductions such as the one of up to €590.89 for earnings under €20,048.45, which is not applied on the payslip.
- Disability, being 65 or older, dependent parents, geographic mobility, maintenance paid to a former spouse or a home loan from before 2013.
- The minimum base of your contribution group: if you earn less than it working full time, contributions are paid on the minimum.
- On a fixed-term contract of under a year, withholding is worked out on what you will earn under that contract, not on a full year.
- Overtime, variable pay, benefits in kind or hiring incentives.
What an employee costs, explained
The 2026 contribution rates one by one, examples from gross salary to total cost and what never appears on a payslip.
Read the articleOther calculators
Frequently asked questions
Because withholding is not worked out by applying the bands to the gross. The Tax Agency first takes off contributions, €2,000 of expenses and the earned income reduction, applies the scale to what is left and then deducts the tax on your personal and family allowance. That is why €30,000 gross with no children is withheld at 16.42%, not at the 30% of the band.
Not exactly. It is the withholding, an advance. Your annual return works out the tax with your region’s scale and your deductions, and the Tax Agency refunds or collects the difference. In 2026, for example, anyone earning under €20,048.45 gets a deduction of up to €590.89 that is not applied on the payslip.
On a permanent contract with office work, the company pays 32.15% of the gross in social security in 2026: 23.60% common contingencies, 5.50% unemployment, 1.50% workplace accidents, 0.75% MEI, 0.60% vocational training and 0.20% FOGASA. A €30,000 salary costs €39,645 a year.
The yearly figure is the same; what changes is how it is spread. With 14 payments, each normal payslip carries a twelfth of the year’s social security and the two extra payments only have income tax withheld, so they arrive slightly higher than a normal payslip.
No. They have their own income tax and their own withholding tables. Social security is the same across Spain.
No. The calculation runs in your browser and nothing is sent to any server.