🇪🇸 Español 🇬🇧 English

Gross to Net Salary Calculator Spain 2026

Calculate your real net salary from your gross annual salary. Includes IRPF, Social Security contributions and all deductions according to current Spanish regulations.

Gross → Net Net → Gross
€/year

Enter your gross annual salary (before taxes and contributions)

What is gross salary and net salary?

Gross salary is the total amount the company pays for your work before any deductions. Net salary is what you actually receive in your bank account after deducting Social Security contributions and IRPF withholding.

How is net salary calculated?

To calculate net salary, two main items are subtracted from gross: Social Security contributions (approximately 6.48% of gross) and IRPF withholding (variable depending on your income and personal circumstances).

Social Security Contributions 2026

The employee contributes to Social Security: 4.70% for common contingencies, 1.55% for unemployment, 0.10% for professional training and 0.13% for MEI (Intergenerational Equity Mechanism). In total, approximately 6.48% of gross salary.

IRPF Withholding

IRPF is a progressive tax on income. The withholding percentage depends on your income level (brackets ranging from 19% to 47%), your personal situation (single, married, children...) and other circumstances. The company calculates this withholding monthly and pays it to the tax authority on your behalf.

Factors affecting your net salary

  • Salary level: Higher salary means higher IRPF percentage
  • Personal situation: Married couples, single parents or disabled persons have reductions
  • Dependent children: Reduce the IRPF tax base
  • Autonomous community: Each region may have its own IRPF scale
  • Contribution group: Determines minimum and maximum contribution bases

Tips to optimize your net

Some ways to legally optimize your net salary include: using flexible remuneration (meal vouchers, transport, nursery), contributing to a pension plan (reduces IRPF tax base), and making sure to correctly communicate your personal situation to the company to apply the deductions you are entitled to.

Frequently asked questions

How much net do I get from €30,000 gross?
With a gross annual salary of €30,000, a single worker without children would receive approximately €24,000-25,000 net per year, depending on their autonomous community and contribution group. This equals about €1,700-1,800 net per month in 14 payments.
What IRPF percentage is withheld from my salary?
The effective withholding percentage varies according to your salary and personal situation. As a rough guide: salaries of €20,000 have withholdings of 10-12%, €30,000 of 14-17%, €50,000 of 20-24%, and over €60,000 above 25%. These percentages are approximate and may vary.
What is the contribution group?
The contribution group determines the minimum and maximum bases on which your Social Security contributions are calculated. It ranges from Group 1 (Engineers and Graduates) to Group 7 (Administrative Assistants). It affects both what you pay and the benefits you would receive in case of sick leave, unemployment or retirement.
How do children affect my IRPF withholding?
Each dependent child reduces your IRPF tax base, meaning less withholding. The first child reduces €2,400, the second €2,700, the third €4,000 and the fourth and following €4,500 each. If the child is under 3 years old, an additional €2,800 is added.
What is the difference between 12 and 14 payments?
Your annual salary is the same, but distributed differently. With 14 payments you receive two extra payments (usually in June and December) and each monthly payment is smaller. With 12 payments, everything is distributed monthly without extras. IRPF withholdings are automatically adjusted.
Does the calculation include regional deductions?
This calculator uses an average regional scale. IRPF is divided into a state part (the same for everyone) and a regional part (which may vary according to your community). Differences are usually small, generally less than 1-2% of the total.
What is MEI and why does it appear in my contributions?
MEI (Intergenerational Equity Mechanism) is an additional contribution introduced in 2023 to ensure the sustainability of the pension system. In 2026 it is 0.13% for the employee and 0.67% for the company, and will progressively increase until 2029.
Why is my actual payslip different from the calculation?
There may be several reasons: your company may have a collective agreement with particularities, you may have flexible remuneration (vouchers, insurance...), your autonomous community has different IRPF brackets, or you have special personal circumstances not covered in the standard calculation.