Calculator for Spain. The rates, thresholds and reference prices used here come from Spanish legislation and market data, so the result does not apply to other countries.
Net Salary Calculator
Discover how much money will actually reach your bank account each month based on your country.
Parameters last reviewed on 05/09/2026 · Sources: AEAT, Seguridad SocialThe date and sources refer to the data for Spain. The other 16 countries offered by this calculator use approximate tax tables, with no official source attached and no verified review date, and some correspond to earlier tax years: treat them as an order of magnitude only.
Net salary is the actual amount you receive in your bank account after deducting social security contributions and income tax withholding. The difference between gross and net can be very significant: in Spain, for a gross salary of €30,000 per year, the net can be around €23,000–€24,000, depending on personal circumstances and applicable deductions.
This calculator estimates the approximate net salary in various countries, taking into account the main tax rates and social contributions of each system. It is particularly useful for comparing job offers in different countries or planning an international move, although the calculations are estimates and do not account for all the particulars of each personal situation.
Calculate your net salary by completing the form.
Indicative calculation. For your tax return or actual payslip, consult an accountant or use the AEAT official simulator.
How net salary is calculated
The calculation happens in two steps. First, the employee's social security contributions are subtracted from gross pay — a fixed percentage that in Spain is around 6.35%. Income tax withholding is then applied to the remaining amount, and this is not a single percentage but a progressive bracket scale: each portion of the salary is taxed at its own bracket's rate, not the whole salary at the highest rate. Before applying the scale, the personal and family allowance and the earned-income reduction are also deducted, lowering the base on which the tax is computed.
Worked example
For a gross salary of €30,000 a year in Spain: around €1,905 of social contributions (6.35%) is deducted first, leaving a base of about €28,095. The bracket scale is then applied and the personal allowance and earned-income reductions subtracted, so the effective withholding lands at roughly 15-17%. The result is a net salary of approximately €23,500-24,000 per year — about €1,960-2,000 a month spread over 12 payments.
Second example: €45,000 over 14 payments
With a gross salary of €45,000 a year and fourteen payments, the method does not change, only the figures. Employee contributions come to about €2,858 (6.35%), leaving roughly €42,142. The progressive scale then applies to that amount: the first €12,450 is taxed at 19%, the portion from €12,450 to €20,200 at 24%, the next up to €35,200 at 30% and only the remainder at 37%. After the personal allowance and the earned-income reduction, effective withholding lands around 19-21%, leaving a net of approximately €33,000-34,000 a year. With fourteen payments that is about €2,400 in each ordinary month plus two similar extra payments in June and December; with twelve prorated payments, about €2,800 a month. The annual total is the same.
What is deducted from your payslip (employees)
| Item | Rate on the contribution base |
|---|---|
| Common contingencies | 4,70 % |
| Unemployment (permanent contract) | 1,55 % |
| Unemployment (temporary contract) | 1,60 % |
| Vocational training | 0,10 % |
| Intergenerational equity mechanism (MEI) | ≈ 0,1 % |
Spanish income tax brackets (general scale)
| Taxable base | Rate |
|---|---|
| Up to €12,450 | 19 % |
| €12,450 – €20,200 | 24 % |
| €20,200 – €35,200 | 30 % |
| €35,200 – €60,000 | 37 % |
| €60,000 – €300,000 | 45 % |
| Over €300,000 | 47 % |
What this calculation does not include
It is worth knowing where the estimate stops being reliable. It does not include regional scales: each autonomous community sets its own half of the income tax and it can diverge several points from the state scale, so two people on the same gross salary take home different amounts depending on where they live. Nor does it reflect your specific family situation (dependent children, dependent parents, disability, single-parent family), which raises the exempt minimum and lowers withholding. It leaves out benefits in kind (health insurance, meal vouchers, company car), employer pension plan contributions, rent or main-residence deductions, and special regimes such as the one for posted workers, known as the Beckham law. If a significant part of your pay is variable or bonus-based, the result also drifts: employers usually compute withholding on the annual forecast and adjust it afterwards.
Particular cases that confuse most people
Four situations generate nearly all the questions. The first is changing jobs mid-year: each employer withholds based on what it pays you, so two half salaries withhold less than one full salary and the tax return usually ends in a payment. The second is regularisation: if your salary goes up, the employer recalculates withholding using the new annual forecast and adjusts it over the remaining payslips, so you can see your net pay fall without any pay cut. The third is overtime, which contributes and is taxed as salary, although force-majeure overtime contributes differently. The fourth is the final settlement: its components (untaken holidays, the proportional part of extra payments) are taxed as salary, whereas severance pay is exempt up to the limit set by law.
How to interpret the result
The monthly net figure is what you can actually budget with, but read it with two caveats. First, it is an estimate based on national brackets: your real withholding depends on your autonomous region, family situation, dependent children, any disability or pension plan contributions — factors that can shift the result by several hundred euros a year. Second, the withholding your employer applies is a payment on account: it is reconciled in your annual tax return, which is why you may end up with a refund or an extra payment. If you are comparing offers between countries, also remember that a higher net figure does not always mean greater purchasing power: you need to weigh it against the cost of living and each country's healthcare and social coverage.