Spain take-home pay: example salaries (2026)
Here is the net take-home pay after tax for a range of common gross salaries in Spain, for a single person using the default settings above. Use the calculator for your exact figure.
| Gross salary (per year) | Net per year | Net per month | You keep |
|---|---|---|---|
| 25.000 € | 19.852 € | 1654 € | 79.4% |
| 30.000 € | 23.124 € | 1927 € | 77.1% |
| 35.000 € | 26.397 € | 2200 € | 75.4% |
| 40.000 € | 29.655 € | 2471 € | 74.1% |
| 50.000 € | 35.546 € | 2962 € | 71.1% |
| 60.000 € | 41.480 € | 3457 € | 69.1% |
| 70.000 € | 47.447 € | 3954 € | 67.8% |
| 85.000 € | 55.697 € | 4641 € | 65.5% |
| 100.000 € | 63.947 € | 5329 € | 63.9% |
| 120.000 € | 74.947 € | 6246 € | 62.5% |
How your Spanish net salary is calculated in 2026
Two things are deducted from your gross salary (bruto): social security contributions of about 6.50% (capped at a maximum base), and IRPF income tax withheld on a progressive scale. What is left is your net salary, usually paid across 12 or 14 instalments. This calculator applies the 2026 figures.
IRPF combines a state scale (the same everywhere) and a regional scale set by each autonomous community. This calculator uses the standard combined reference scale; Madrid is typically a little cheaper and Cataluña a little dearer.
2026 IRPF brackets (state + reference regional scale)
| Taxable income | 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% |
| Over €300,000 | 47% |
The personal and family minimum
A part of your income is considered essential and is effectively tax-free: the mínimo personal of €5,550 (more if you are 65 or older), plus a family minimum for dependent children (€2,400 for the first, €2,700 for the second, €4,000 for the third and €4,500 for the fourth). The minimum is taxed at the lowest rates and subtracted, so larger families pay less tax on the same salary.
Employee social security (2026)
| Contribution | Rate |
|---|---|
| Common contingencies | 4.70% |
| Unemployment (permanent) | 1.55% |
| Training | 0.10% |
| Intergenerational mechanism (MEI) | 0.15% |
| Total (up to max base ~€58,914/yr) | 6.50% |
Social security and the contribution ceiling
Employee social security is about 6.50% of salary (slightly more on a temporary contract). It is capped at a maximum contribution base of roughly €58,914 a year, so on high salaries the contribution stops rising — which is why very high earners keep a larger share of each extra euro than the IRPF rate alone suggests.
Worked example: €30,000, single, no children
- Social security (6.50%): €1,950
- Taxable base after expenses and minimum
- IRPF: about €4,950
- Net take-home: about €23,100 a year — roughly €1,650 across 14 payments
Switch to 12 payments, add children, or change your age above to see how your net salary changes.
Frequently asked questions
How much is €30,000 gross after tax in Spain?
For a single person in 2026, about €23,100 net a year after roughly €1,950 social security and around €4,950 IRPF — about €1,650 a month across 14 payments, or €1,925 across 12.
Does my region change my IRPF?
Yes. IRPF has a state part (the same across Spain) and a regional part set by each autonomous community. Madrid tends to be cheaper and Cataluña more expensive. This calculator uses the standard combined reference scale.
What is the mínimo personal y familiar?
It is the slice of income considered essential and effectively untaxed: €5,550 for an individual (more from age 65), plus amounts per dependent child. It is taxed at the lowest rates and then subtracted, reducing your tax.
How much is social security in Spain?
Employees pay about 6.50% of salary (common contingencies, unemployment, training and the MEI), capped at a maximum base of roughly €58,914 a year in 2026. Temporary contracts pay slightly more.
Why is my salary paid in 14 payments?
Many Spanish contracts split the annual salary across 14 payments — 12 monthly plus two extra (pagas extra), usually in summer and December. The annual total and tax are the same; only the monthly amount differs.