Spain Salary Calculator 2026

Calculate your Spanish net salary after IRPF and Seguridad Social. Includes Beckham Law flat 24% option for qualifying expats.

Cálculo nacional: Resultado pode variar até ±15% conforme comunidade autónoma (Madrid menor, Cataluña maior). This MVP uses unified national rates only.

Your details

Gross pay

€

Tax regime

Take-home€32,643per year

Monthly take-home€2,720

Bi-weekly€1,255

Effective tax rate27.0%

Marginal rate43.0%

Annual breakdown

Gross income
€45,000
IRPF (tramos estatales)(21.1%)
-€9,500
Seguridad Social (6.35%)(6.3%)
-€2,858
Take-home pay(72.5%)
€32,643

Cálculo nacional. Resultado pode variar até ±15% conforme comunidade autónoma (Madrid menor, Cataluña maior). Read full disclaimer.

How IRPF works

IRPF is Spain\'s progressive income tax. Taxable base = gross − Seguridad Social contributions − a €2,000 reducción por rendimientos del trabajo. The 6-bracket scale applies, then a €5,550 personal allowance is credited at the first bracket rate. Autonomous communities add or subtract up to ~2 percentage points per bracket — check your CCAA.

2026 national IRPF brackets (unified)

Bracket	Taxable base	Rate
1	Up to €12,450	19%
2	€12,450–€20,200	24%
3	€20,200–€35,200	30%
4	€35,200–€60,000	37%
5	€60,000–€300,000	45%
6	Above €300,000	47%

Primary authority: Agencia Tributaria. Moving to Spain? See our Spain expat tax calculator.

Spain salary FAQ

Why do the national IRPF results differ from my real payslip?

Spain splits IRPF between a state portion and an autonomous community portion. Madrid, Andalucía, and Murcia apply lower community rates, while Cataluña, Valencia, and Asturias apply higher ones. Your real take-home can differ by ±15% from this national calculator. We use a unified national scale; check your CCAA for exact rates.

What are the 2026 IRPF brackets?

Six combined brackets: 19% (up to €12,450), 24%, 30%, 37%, 45% (€60,000–€300,000), and 47% (above €300,000). Savings income (interest, dividends, capital gains) uses a separate scale: 19%/21%/23%/27%/28%.

How much Seguridad Social do I pay as an employee?

6.35% total: 4.7% contingencias comunes + 1.55% desempleo + 0.10% FOGASA. Capped at the 2026 base máxima of €59,059.80/year. Employer pays 29.9% on top (contingencias + unemployment + professional training + injury insurance).

Is the Beckham Law worth it?

For qualifying expats earning above ~€65,000 net, yes. It applies a flat 24% rate on Spanish-source employment income up to €600,000 (47% above), for up to 6 years. Crucially, foreign-source income remains tax-free (except certain dividends). Eligibility: not tax-resident in Spain for 5 years pre-move, employment-based relocation or director of entity.

What is the mínimo personal y familiar?

A tax-free personal allowance: €5,550/year base (more if you're over 65 or have dependants). It's credited at the first-bracket rate (19%) — worth ~€1,055/year in tax savings. The calculator applies this automatically in standard mode.

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