Spain salary calculator 2026: take-home pay after Social Security and IRPF
This free Spain salary calculator turns your gross salary into your real take-home pay (salario neto) for 2026. It shows your pay after employee Social Security and IRPF (income tax), down to the monthly figure. Every rate comes from official sources, the AEAT (Agencia Tributaria) state and regional scales and the BOE Social Security rates, and you can see exactly how each number is worked out.
How your Spanish take-home pay is calculated
First, employee Social Security (6.50% for 2026) is deducted on your salary up to the 61,214.40 euro ceiling. Then IRPF is charged on your rendimiento neto (salary minus Social Security minus the 2,000 euro deduction), using the state scale plus your autonomous community's regional scale, each reduced by the personal and family minimum. The community you live in changes the result.
| 2026 deduction (employee) | Rate | Notes |
|---|---|---|
| Social Security | 6.50% | up to 5,101.20 €/month base |
| IRPF state scale | 9.5% to 24.5% | same across Spain |
| IRPF regional scale | 8.5% to 29.5% | set by your community |
€45,000 after tax in Spain (Madrid, 2026)
A single person on 45,000 euros in Madrid takes home about 33,159 euros a year: about 2,925 of Social Security and 8,916 of IRPF (4,737 state + 4,179 Madrid). Some calculators show around 33,170 because they use the 2025 Social Security rate; we use the current 2026 figure (the MEI contribution rose from 0.13% to 0.15%), so ours is a few euros lower and built on the same AEAT method. Enter your own salary and community above for an exact breakdown.
Frequently asked questions
- Is this Spain salary calculator free?
- Yes. It's completely free, with no sign-up. Enter your gross salary and it shows your take-home pay for 2026 after Social Security and IRPF, using official AEAT (Agencia Tributaria) scales and the BOE Social Security rates, for all 15 common-regime autonomous communities.
- How is take-home pay calculated in Spain?
- Two things come out of your gross salary: employee Social Security (6.50% of your salary, up to a ceiling) and IRPF (income tax). IRPF is charged on your salary after Social Security and a 2,000 euro deduction, using two scales added together: the state scale and your autonomous community's regional scale, each reduced by the personal and family minimum. Take-home = gross minus Social Security minus IRPF.
- How much is €45,000 after tax in Spain (Madrid)?
- For 2026, a single person on 45,000 euros in Madrid takes home about 33,159 euros a year (roughly 2,763 euros a month over 12 payments): about 2,925 of Social Security and 8,916 of IRPF (4,737 state + 4,179 Madrid). Your community matters: Madrid has the lowest regional rates, so the same salary keeps a little more there than in Cataluña or the Comunidad Valenciana.
- Why does my autonomous community change the result?
- IRPF has two halves: a state scale that is the same everywhere, and a regional (autonómica) scale set by each autonomous community. Madrid has the lowest top regional rate (20.5%); Cataluña and the Comunidad Valenciana reach 25.5% and 29.5%. We model all 15 common-regime communities with their own 2025/2026 scales. País Vasco and Navarra use separate foral systems and are not covered.
- How much is employee Social Security in Spain?
- For 2026 the employee pays 6.50% of the contribution base: 4.70% common contingencies, 1.55% unemployment (on a permanent contract), 0.10% vocational training and 0.15% MEI. It is charged on a base capped at 5,101.20 euros a month (61,214.40 a year), so above that salary the contribution stops rising. Source: BOE Orden PJC/297/2026.
- What is the Beckham Law and should I use it?
- The Beckham Law (régimen especial de impatriados) is an optional regime for people who move to Spain to work. It taxes employment income at a flat 24% up to 600,000 euros (47% above), instead of the progressive scale, for up to six years. It can be a big saving on higher salaries, but eligibility conditions apply. Toggle it on above to compare. We do not check whether you qualify.
- What is and isn't included?
- Included: employee Social Security, the 2,000 euro deduction, the work-income reduction for low salaries, the personal minimum, the child (descendientes) minimum, joint-return reduction and the state and regional IRPF scales. Not included: regional deductions, the under-3 child increase, disability and ascendientes minimums, pension contributions and investment income. Estimates only, not tax advice.