Spain salary calculator 2026–27 — Use this free, verified Spain salary calculator to discover your exact net take-home pay after Spanish IRPF income tax and Seguridad Social employee contributions. All calculations reflect official Agencia Tributaria 2026–27 IRPF tax scales and Seguridad Social contribution rates.
Spain Salary Calculator 2026–27 — Net Take-Home Pay After IRPF and Seguridad Social
This Spain salary calculator gives your exact monthly and annual net take-home pay after all Spanish deductions in 2026–27. Spanish employees pay Seguridad Social contributions of 6.35% plus IRPF income tax withheld monthly by their employer (retención IRPF). Our Spain salary calculator handles both deductions, including Spain's unique 14-payment salary structure and the Beckham Law flat rate for qualifying international workers.
🇪🇸 Spain Salary Calculator (2026–27)
| Payment Frequency | Gross Pay | Seguridad Social (6.35%) | IRPF Income Tax | Net Take-Home |
|---|---|---|---|---|
| Annual Total | €30,000 | €1,905 | €3,200 | €24,895 |
| Monthly Avg (÷12) | €2,500 | €159 | €267 | €2,075 |
| Paycheck (÷14) | €2,143 | €136 | €229 | €1,778 |
| Weekly | €577 | €37 | €62 | €479 |
| Hourly (40h) | €14.42 | €0.92 | €1.54 | €11.97 |
Calculated in accordance with 2026–27 Agencia Tributaria IRPF tax scales and employee Seguridad Social contributions (6.35%).
Spain Salary Calculator — How Spanish Tax Works in 2026–27
The Spain salary calculator applies two main deductions from gross salary: Seguridad Social contributions (fixed rate) and IRPF income tax (progressive). Together these determine your salario neto — what you actually receive.
Seguridad Social Employee Contributions 2026–27
| Contribution type | Employee rate | What it covers |
|---|---|---|
| Contingencias comunes (common contingencies) | 4.70% | Healthcare, maternity, sickness |
| Desempleo (unemployment) | 1.55% | Unemployment benefit |
| Formación profesional (training) | 0.10% | Professional training fund |
| Total employee Seguridad Social | 6.35% | Full social protection |
Source: Seguridad Social — cotizaciones 2026–27.
Spanish IRPF Tax Bands 2026–27 (National Scale)
Spain's IRPF (Impuesto sobre la Renta de las Personas Físicas) uses a split national/regional scale. The national scale below is combined with your autonomous community's regional scale for a total effective rate:
| Annual taxable income | National IRPF rate | Typical combined rate (national + regional) |
|---|---|---|
| Up to €12,450 | 9.5% | ~19% |
| €12,450 – €20,200 | 12% | ~24% |
| €20,200 – €35,200 | 15% | ~30% |
| €35,200 – €60,000 | 18.5% | ~37% |
| €60,000 – €300,000 | 22.5% | ~45% |
| Above €300,000 | 24.5% | ~47% |
Source: Agencia Tributaria — escala IRPF 2026–27. Regional rates vary by Comunidad Autónoma — Madrid typically has lower regional rates while Cataluña and Valencia have higher rates.
Spain Salary Calculator — Net Pay at Every Income Level (2026–27)
Here is what our Spain salary calculator produces at common annual gross salary levels, for a standard employee (national average IRPF, 14 payments, no Beckham Law):
| Annual gross | Seguridad Social (6.35%) | IRPF (approx.) | Monthly net (÷12) | Regular monthly pay (÷14) |
|---|---|---|---|---|
| €18,000 (min. wage area) | ~€1,143/yr | ~€800/yr | ~€1,338 | ~€1,147 |
| €24,000 | ~€1,524/yr | ~€1,800/yr | ~€1,723 | ~€1,477 |
| €30,000 | ~€1,905/yr | ~€3,200/yr | ~€2,074 | ~€1,778 |
| €40,000 | ~€2,540/yr | ~€6,200/yr | ~€2,605 | ~€2,233 |
| €55,000 | ~€3,493/yr | ~€11,500/yr | ~€3,334 | ~€2,858 |
| €75,000 | ~€4,763/yr | ~€20,000/yr | ~€4,186 | ~€3,588 |
Regular monthly pay column shows 14-payment salary — 12 regular months + 2 pagas extra. Monthly net (÷12) shows effective monthly budget including pagas extra.
Spain's 14-Payment Salary System (Pagas Extraordinarias)
Spain is one of the few countries where most employment contracts pay salary in 14 instalments rather than 12. The Spain salary calculator accounts for this:
- 12 regular monthly payments — your standard monthly salario neto
- 2 pagas extraordinarias (pagas extra) — additional full monthly salary payments, typically in June/July (for summer) and December (for Christmas)
- Legal basis: The Estatuto de los Trabajadores mandates at least 2 pagas extra for most workers. Some collective agreements provide more.
- Prorated option: Some employers pay the pagas extra spread across 12 months (prorrateo de pagas). If your employer does this, select "12 payments" in our Spain salary calculator — your regular monthly payment will be higher.
- Tax on pagas extra: Pagas extra are subject to the same Seguridad Social and IRPF deductions as regular monthly payments.