How to Calculate Your Net Salary in Spain: From Gross to Take-Home
thecalculator.tech
7 June 2026 · 5 min read
We explain the Social Security contributions and income tax withholding deducted from your payslip, with a full worked example for a €30,000 gross salary.
Employee Social Security contributions
- •Common contingencies: 4.70%
- •Unemployment: 1.55% (permanent contract)
- •Vocational training: 0.10%
- •Approximate total: 6.35% of gross salary
Income tax (IRPF) withholding
Income tax is calculated on the taxable base (gross salary minus contributions minus personal allowance). The withholding percentage varies by salary, autonomous community and personal circumstances. For a €30,000 salary with no special circumstances, withholding typically falls around 15–17%.
Example: €30,000 gross annual salary
- •Monthly gross: €2,500
- •Employee SS contributions: −€158.75/month (6.35%)
- •Estimated IRPF base: ~€28,100/year
- •Estimated IRPF withholding (~16%): −€400/month
- •Estimated net salary: ~€1,941/month
Extra payments
In Spain the standard is 14 payments: 12 monthly plus two bonus payments (typically in June and December). Some collective agreements include the bonus pro-rated into the 12 monthly payments, in which case the monthly net is higher but there are no separate bonus payments.
Calculations are estimates. Your actual payslip depends on your collective agreement, personal circumstances and autonomous community.
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