Spanish Salary Calculator
Calculate your net take-home pay after taxes and social security in Spain
Salary Breakdown
IRPF Tax Breakdown
Calculate your salary to see tax breakdown
Why Use Our Spanish Salary Calculator?
Looking to know how much you’ll actually take home each month in Spain? Our Spanish salary calculator does the heavy lifting for you—factoring in Social Security, IRPF withholding, work-expense allowances, pension contributions and regional tax rates. Stop guessing and start planning your budget with confidence.
Calculate Your Net Take-Home Pay in Seconds
- Accurate IRPF calculation: Applies the latest 2025 national brackets and regional adjustments (Madrid, Catalonia, Basque Country, etc.).
- Social Security deductions: Uses the correct 6.35% employee rate for all contract types.
- Work-expense allowance: Automatically deducts 2% of gross (up to €2 000/year) from your taxable base.
- Pension planning: Easily include your private pension contributions to see their impact on take-home pay.
Key Benefits of Knowing Your True Salary
Understanding your net salary in Spain is essential for:
- Budgeting: Plan rent, utilities and savings with precise monthly numbers.
- Negotiation: Arm yourself with data when discussing pay raises or new job offers.
- Tax planning: Identify opportunities—like extra allowances for over-65s, disability or dependent children—to minimize your IRPF burden.
- Relocation: Compare net incomes across autonomous communities to choose the best place to live.
How IRPF Works in Spain
Spain’s progressive IRPF (Impuesto sobre la Renta) system taxes income in slices. For 2025, rates are:
- €0–12 450: 19%
- €12 450–20 200: 24%
- €20 200–35 200: 30%
- €35 200–60 000: 37%
- €60 000–300 000: 45%
- > €300 000: 47%
Each autonomous community then “tops up” these national rates by a small percentage. Our calculator handles that automatically—just pick your region.
5 Tips to Maximize Your Take-Home Pay
- Claim every allowance: Don’t forget marriage, senior, disability or child-care deductions.
- Optimize contract type: While SS is flat 6.35%, some benefits (like unemployment coverage) differ.
- Boost pension contributions: Up to €2 000/year into a plan can lower your IRPF base.
- Choose your region wisely: Moving even 50 km can cut your tax rate by up to 1 %.
- Review pay periods: 14 payments means smaller per-period IRPF withholdings, smoothing your cash flow.
FAQ’s
Gross salary is your contractual pay before deductions. Net salary is what you actually receive after Social Security, IRPF and any voluntary contributions (e.g., pension). Our calculator shows both figures side by side.
Tax laws and SS rates can change annually. We update rates each January—check back at the start of the fiscal year or whenever Spain publishes new IRPF tables.
Yes—just switch “Number of Pay Periods” to 14 to include your summer and Christmas bonuses in the calculation.
Absolutely—enter your total combined gross salary and number of periods, and the calculator will split and apply deductions correctly.
Yes—a 1 % variation on a €60 000 salary means €600 per year saved or paid extra. Use our “Autonomous Community” selector to see the impact.
Enter your details above and click “Calculate My Net Salary” now. Share the results with your HR department or compare multiple scenarios in seconds.