Net-salary calculator
Work out net pay in Spain from gross: Social Security contributions and the IRPF withholding are deducted from the gross salary. Choose 12 or 14 payments and the number of children. The result is an estimate based on the rates in force for 2026.
- Net, contributions and IRPF — broken down
- No sign-up, no hidden costs
- In Spanish and English
Quick calculation
Enter the gross monthly salary, choose 12 or 14 payments and the number of children — the calculator instantly shows the net per payment, the contributions and IRPF withholding broken down, and the employer cost. The result is an estimate for a ballpark, not an official decision.
Gross salary before contributions and IRPF
Assumption: employee, general regime, indefinite contract, at the rates in force for 2026.
Annual net and total IRPF are identical under 12 or 14 payments — only the monthly split differs (with 14, lower ordinary months plus two extra payments).
Net salary per payment
Net salary per payment: 1885,49 €- Net salary per payment1885,4975%
- Social Security contributions162,517%
- IRPF withholding452,0018%
- Gross monthly salary
- 2500,00 €
- Withholding rate
- 18,08 %
- Annual net
- 26.396,92 €
- Employer cost
- 3266,25 €
This tool computes the national payroll withholding (the same for Madrid or Cataluña on the same gross). The regional (comunidad autónoma) difference is settled in the annual tax return, not in the monthly payslip.
In Spain the employer doesn’t hand you the gross salary: it first deducts your Social Security contributions and then the IRPF withholding, paying both on your behalf. On the payslip you only see the net that reaches your account; contributions and tax are already deducted.
This calculator reconstructs that gross-to-net path: it applies the employee’s contributions and the national IRPF withholding, and lets you choose 12 or 14 payments and the number of children, which does change the monthly net. The result is an estimate based on the rates in force for 2026.
- 6,50 %
- Contributions — your share
- 1221,00 €
- Minimum wage (14 payments)
- 5101,20 €
- Maximum contribution base
How it works
Three steps to a first, honest figure — no sign-up.
- 1
Enter the salary and details
Gross monthly salary, number of payments (12 or 14) and number of children.
- 2
See the itemised breakdown
Social Security contributions and the IRPF withholding — line by line.
- 3
Get the net and total cost
Net salary per payment and the employer cost, instantly and at a glance.
How the monthly deduction works
Social Security contributions come off the gross first, then IRPF is withheld on what’s left. The employee’s contributions — 6,50 % of gross on an indefinite contract — cover common contingencies, unemployment, vocational training and the MEI, and are charged on a base with a maximum ceiling (5101,20 € a month): above it, contributions stop rising.
The IRPF withholding is not a single rate. It is computed with a national progressive scale on a base that nets off contributions and reductions, minus the effect of the personal and family minimum (which is why more children mean a lower withholding). The result is a rate the employer applies to each payment.
The withholding scale is national: the same gross withholds the same in Madrid or Cataluña. The regional difference is settled in the annual tax return, not in the monthly payslip.
Explore the tools
Topic pages with the rates in force for 2026 — each covers one topic.
IRPF withholding
The percentage the employer deducts from the payslip — a national progressive scale on a net-of-reductions base.
Contributions
Common contingencies, unemployment, vocational training and the MEI — with a maximum base ceiling.
Extra payments
12 or 14 payments: annual net is the same, only the monthly cash split changes.
Minimum wage
The statutory SMI for a full-time job, monthly and annual.
Personal & family minimum
The taxpayer and dependent-children minimum that lowers the monthly withholding.
FAQ
Answers to the most common questions about net pay, IRPF and contributions.
Why your net differs from a colleague’s
Three things explain most of the difference:
- Children and the personal and family minimum. They lower the monthly withholding as a rate-scale credit, so on the same gross, more children means a lower withholding.
- The maximum contribution base. Above the ceiling, contributions stop rising, so net grows faster from that point on.
- 12 or 14 payments. Annual net is the same; only the split changes — with 14 payments, lower ordinary months plus two extra payments.
What the average salary does — and doesn’t — tell you
For context, the average gross salary in Spain is around 2245,74 € a month per the INE’s EES survey — an indicative figure still to be confirmed, and one that varies widely by sector and region. It is not a figure the calculator uses: it only helps you place your gross.
The useful comparison is net against net, not gross against gross: what actually reaches your account each month. The calculator gives you that first honest figure.
Frequently asked questions
Content is still being completed and is subject to review.
Ready?
Work out your net pay in seconds
Enter the gross salary and see the net per payment, the contributions and the IRPF withholding broken down — no sign-up.