Spain Net Salary Calculator
Calculate your net salary after taxes and deductions in Spain.
Notes:
- This calculator provides only estimates and should not be used for official tax purposes.
- The calculation uses current income tax withholding tables.
- Tax rates may vary according to autonomous community and specific personal circumstances.
- Additional deductions such as pension plans, disabilities, or other special situations are not included.
How We Calculate Your Net Salary in Spain
Income Tax (IRPF)
Income tax is a progressive tax that applies to individuals' income. The current rates are:
| Taxable Base | Tax Rate |
|---|---|
| Up to 12,450€ | 19% |
| 12,450€ - 20,200€ | 24% |
| 20,200€ - 35,200€ | 30% |
| 35,200€ - 60,000€ | 37% |
| 60,000€ - 300,000€ | 45% |
| More than 300,000€ | 47% |
There are different personal and family reductions that can be applied according to personal situation (for example, personal minimum, for descendants, for ascendants, for disability, etc.).
Social Security Contributions
Social Security contributions are calculated on gross salary and consist of:
- Common Contingencies: 4.70% of gross salary
- Unemployment: 1.55% for permanent contracts and 1.60% for temporary contracts
- Professional Training: 0.10% of gross salary
These contributions fund benefits such as healthcare, retirement, temporary and permanent disability, unemployment benefits, etc.
Variations by Autonomous Community
Each autonomous community can establish specific tax deductions and benefits, which affects the final calculation of income tax. The differences can be significant:
Communities with Lower Tax Rates
- Madrid
- La Rioja
- Andalusia
Communities with Higher Tax Rates
- Catalonia
- Valencian Community
- Extremadura
Information by Autonomous Community
Each autonomous community has its own tax structure that impacts your net salary:
Tips to Optimize Your Net Salary
- Contribute to pension plans: Contributions to pension plans reduce the taxable base of income tax (with certain limits).
- Take advantage of housing deductions: Some communities maintain deductions for investment in primary residence or rent.
- Income distribution: If possible, distributing income over several fiscal years can result in a lower average tax rate.
- Consider place of residence: Living in an autonomous community with lower tax pressure can mean considerable savings.
- Plan your withholdings: Adjusting your income tax withholdings can help you better manage your monthly finances.