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Spanish net salary calculator

Estimate the IRPF withheld from your payslip in Spain from your annual gross salary and your work and family situation, using the same withholding procedure your employer would apply.

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Enter your salary and situation

Before taxes and Social Security.

Only used for the minimum-income threshold below which no withholding applies.

Determines the Social Security contribution group and the base cap.

Annual net salary stays the same; this only changes how it is split per payment.

Adds an extra €2,000 deductible expense for the year of the move and the following one.

Family details

If siblings share the same dependent ascendant, enter how many.

Other details about you
Other details about children and dependent elders

Number of dependent descendants and ascendants at each disability grade.

Estimated net salary

Estimated annual net salary
Net salary per payment
Annual gross salary
Social Security (employee)
Withholding rate
IRPF withheld

Indicative estimate of Spanish payroll withholding (2025 reference, source Agencia Tributaria): it subtracts Social Security (capped by professional category) and a deductible expense from your gross salary, applies the reducción por obtención de rendimientos del trabajo, and computes the cuota de retención by applying the state scale (art. 63.1.1º LIRPF) to the base and to your personal and family minimum; the personal-minimum part (age, own disability, dependent ascendants) is doubled, the part for children and their disability is applied once. Navarra and the Basque Country are not included. Withholding is not your annual tax return: it's a payment on account that gets adjusted when you file it. Not a substitute for a real payslip, your annual tax return, or professional tax advice.

How payroll withholding is calculated

This calculator follows the procedimiento general de retención (arts. 80-90 of the Reglamento IRPF), the same one your employer uses to work out what it withholds each month. First, the employee's Social Security contribution and a deductible expense (€2,000/year, plus €2,000 with geographic mobility, plus €3,500 or €7,750 if you have a disability as an active worker) are subtracted from your gross pay, and the reducción por obtención de rendimientos del trabajo (art. 20 LIRPF) is applied. The result is the base used to calculate the withholding rate.

The state scale (art. 63.1.1º LIRPF, up to 24.5%) is applied to that base, and the same scale to your personal and family minimum; the difference is doubled — approximating state plus a reference region without your employer needing to know your actual region. The minimums for children and for their disability are applied once (not doubled); your own minimum, your age, your own disability, and dependent ascendants are doubled, since they're all part of the taxpayer's own minimum.

The resulting rate is always rounded down to two decimals. Withholding isn't your annual tax return: it's a payment on account that gets adjusted (paid or refunded) when you file it.

What this estimate does not include

Navarra and the Basque Country are not included: independent foral tax systems that could not be verified against an official primary source. Reduced rates for very short-term contracts aren't included either.

Social Security uses the 2025 minimum and maximum contribution bases by professional category, and an estimate of the solidarity contribution on higher bases (above €58,914/year) that could only be partially verified.

For pensioners and the unemployed, the withholding base is computed with the same formula as for an active worker: whether either of these two situations actually follows a different rule could not be verified against a reliable source, so the result for those two situations carries more uncertainty than for an active worker.

Use the result as a first reference. Check your payslip or a tax professional for your exact figures.

Source and review date

Tax brackets and personal/family minimum figures come from the Agencia Tributaria (AEAT), 2025 tax year. It is an educational approximation, not a payslip or an up-to-date tax filing calculation.

For official figures, check the AEAT IRPF 2025 practical manual. Reviewed on August 30, 2026.

Frequently asked questions

What does this calculator estimate?

It estimates the IRPF your employer would withhold from your payslip (the procedimiento general de retención, arts. 80-90 of the Reglamento IRPF) from your annual gross salary and your work and family situation, plus an estimate of the employee's Social Security contribution.

Why doesn't it ask for my region anymore?

Because this calculator now estimates payroll withholding only, not the annual tax return. Withholding follows a procedure fixed by regulation that does not vary by region: it applies the state scale (art. 63.1.1º LIRPF) to the withholding base, does the same to your personal and family minimum, and doubles the difference — a way of approximating state plus a reference region without your employer needing to know where you live. Withholding isn't final: it gets adjusted (paid or refunded) when you file your annual return.

Does it cover Navarra and the Basque Country?

No. Navarra and the Basque Country have their own foral tax systems, which could not be verified against an official primary source, so they are not included in this version.

What is not included in this estimate?

Navarra and the Basque Country are not included, nor are the reduced rates for very short-term contracts. The Social Security solidarity contribution on higher bases is an approximation, only partially verified. For pensioners and the unemployed, the withholding base uses the same formula as for active workers, since a distinct formula could not be verified against a reliable source; it may be less accurate than for an active worker.

Is the calculated net salary exact?

No. It is an indicative estimate based on 2025 tax figures. It does not replace an actual payslip, your annual tax return, or professional tax advice.