Net Salary Calculator Spain 2026 — Your Take-Home Pay

Curious how much of a Spanish salary you actually keep? Enter your gross pay below and this net salary calculator for Spain converts it to monthly take-home pay using the 2026 IRPF withholding scale and Social Security rates — with a full, itemised breakdown of every euro deducted.

The headline figure is your monthly take-home pay; the breakdown shows the two deductions that create the gap between gross and net — your employee Social Security contribution and the IRPF income tax your employer retains. It excludes fees, private benefits and the autonomous-community adjustment that only settles in your annual return.

What changed for 2026

For 2026, Spain's IRPF withholding brackets are unchanged, but employee cost still rose: the pension levy (MEI) increased from 0.13% to 0.15%, lifting the total employee Social Security rate to 6.50% on a permanent contract, and the maximum contribution base climbed 3.9% to €5,101.20 a month.

If your salary brackets did not move, why does the calculator show a slightly smaller net than last year? Two reasons. The Mecanismo de Equidad Intergeneracional (MEI) — a pension top-up levy — rose from 0.13% to 0.15% for workers, and it is legislated to keep rising each year toward a 0.2% worker share by 2029. Separately, the maximum monthly contribution base rose from €4,909.50 to €5,101.20 (€61,214.40 a year), so higher earners now contribute on a larger slice of pay. Toggle the comparison in the calculator to see the difference at your own salary — for most workers it is a few euros a month, the quiet net-pay squeeze unions have flagged.

2026 rates and withholding brackets

A permanent-contract employee pays 6.50% of their capped salary in Social Security (4.70% common contingencies, 1.55% unemployment, 0.10% training, 0.15% MEI). IRPF withholding is progressive across six brackets, from 19% up to €12,450 to 47% above €300,000, applied to income after the earned-income reduction and personal and family minimums.

These are the official 2026 parameters the calculator applies. The Social Security rates and bases come from the annual contribution order (Orden PJC/297/2026); the withholding scale, reductions and minimums from the Agencia Tributaria (AEAT).

How we calculate your net salary

The calculator subtracts your 6.50% employee Social Security contribution, then computes IRPF withholding by applying the progressive scale to your income after the earned-income reduction and work expenses, minus the tax on your personal and family minimums. Net salary is gross minus both, spread over 12 or 14 payments.

The withholding algorithm is the one your employer runs every month, defined in the IRPF Regulation (RD 439/2007, Art. 85). Step by step:

1. Work out the contribution base (your salary, capped at €61,214.40 a year) and deduct 6.50% Social Security.
2. Subtract €2,000 of deductible work expenses and the earned-income reduction (up to €7,302 for lower earners) to reach the withholding base.
3. Apply the progressive scale to that base, then subtract the tax on your personal minimum (€5,550) plus any child minimums.
4. The result is your annual IRPF retention; net pay is gross minus Social Security minus retention.

A worked example: a single worker with no children on €30,000 gross (14 payments) contributes about €1,950 to Social Security and €4,926 in IRPF withholding over the year, leaving roughly €23,124 net — about €1,651.71 a month. Earn exactly the 2026 minimum wage (€17,094) and the picture changes entirely: you pay Social Security but, by law, no IRPF withholding at all.

Ever wondered why two colleagues on identical gross salaries can end the year with different net pay — even though their monthly payslips matched?