Net Salary Calculator
Discover how much money will actually reach your bank account each month based on your country.
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.
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 % |
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.