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Researched by the ExpatMoneyEU Team · Last updated 24 October 2026 · Data: AEAT state IRPF scale + Community of Madrid regional scale, 2026; TGSS employee contribution rates, 2026.
Spain net salary calculator 2026
| Breakdown | Annual |
|---|---|
| Gross salary | €36,000.00 |
| Social Security (6.50%) | €2,340.00 |
| Income tax (IRPF, Madrid scale) | €6,192.16 |
| Net pay | €27,467.84 |
The result updates instantly as you type. Share the link above and anyone opening it sees your exact inputs.
Estimate only — not tax advice. This calculator estimates net pay for an employee in the Community of Madrid using the 2026 state + Madrid IRPF scale, the €5,550 personal minimum and the €2,000 general expense deduction. Your actual payslip withholding depends on your personal situation (Modelo 145), and the final tax bill is settled in the annual Renta return. Always verify with your employer’s payroll or a gestor.
Worked example: €36,000 gross in Madrid, permanent contract, 14 pagas
Example: €36,000 gross → €27,467.84 net
Social Security at 6.50% takes €2,340. Taxable income after Social Security and the €2,000 general deduction is €31,660. Applying the Madrid combined IRPF scale and subtracting the €5,550 personal minimum (worth €999 at the 18% first-bracket rate) gives income tax of €6,192.16. Net pay is €27,467.84 a year — €1,961.99 a month over 14 payments, or €2,288.99 a month over 12 payments. Try it live in the calculator above: it is pre-filled with exactly this example.
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What is the Spain net salary calculator?
This calculator converts a Spanish gross (bruto) salary into estimated net (neto) pay for employees in the Community of Madrid. It applies the two deductions every Spanish payslip carries: employee Social Security contributions and IRPF income-tax withholding, computed on the 2026 Madrid combined scale. It is built for expats comparing job offers: type the gross from your offer letter and see what actually lands in your bank account each month.
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How to use it in 4 steps
- Enter your gross annual salary from your offer letter — the full annual figure, including any extra payments if your contract states 14 pagas.
- Pick your contract type: permanent (indefinido) or temporary (temporal) — the unemployment contribution differs slightly (1.55% vs 1.60%).
- Pick your pagas: 14 is the Spanish standard (12 monthly payments plus two extra payments, usually summer and Christmas); 12 spreads the same annual net evenly.
- Read the breakdown: gross, Social Security, IRPF and net — then use “Copy link to this result” to share or save your exact calculation.
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The formula, with every variable explained
Social Security (employee) = gross × 6.50% for a permanent contract in 2026 — 4.70% common contingencies + 1.55% unemployment + 0.10% vocational training + 0.15% intergenerational equity mechanism (MEI), per the TGSS 2026 rates. Temporary contracts pay 6.55% (unemployment 1.60%).
Taxable income = gross − Social Security − €2,000 (the general expense deduction for employees).
IRPF = Madrid-scale tax on taxable income − Madrid-scale tax on the €5,550 personal minimum. The personal minimum is the slice of income taxed at 0% in effect: we compute the scale tax on your taxable income, then subtract the scale tax on €5,550 (which is €999 at the 18% first-bracket rate). The result is your estimated annual IRPF.
Net = gross − Social Security − IRPF. Monthly net = net ÷ 14 (or ÷ 12, per your pagas choice).
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Rate tables: Madrid combined IRPF scale 2026 + employee Social Security 2026
| Taxable income (€) | Combined marginal rate (Madrid) |
|---|---|
| Up to 12,450 | 18.00% |
| 12,450 – 13,362.22 | 20.50% |
| 13,362.22 – 19,004.63 | 22.70% |
| 19,004.63 – 20,200 | 24.80% |
| 20,200 – 35,200 | 27.80% |
| 35,200 – 35,425.68 | 31.30% |
| 35,425.68 – 57,320.40 | 35.90% |
| 57,320.40 – 60,000 | 39.00% |
| 60,000 – 300,000 | 43.00% |
| Above 300,000 | 45.00% |
The Madrid scale is the state scale (9.5%–24.5%, unchanged since 2021) plus the Community of Madrid regional scale (8.5%–20.5%). Madrid has the lowest top combined rate in Spain’s common regime at 45%; Catalonia reaches 50% and Valencia 53.85% at the top. Other regions run higher than Madrid at most income levels — treat Madrid results as the low-tax end for Spain.
| Employee Social Security 2026 (TGSS) | Rate |
|---|---|
| Common contingencies | 4.70% |
| Unemployment (permanent) | 1.55% |
| Unemployment (temporary) | 1.60% |
| Vocational training | 0.10% |
| Intergenerational equity mechanism (MEI) | 0.15% |
| Total (permanent / temporary) | 6.50% / 6.55% |
Spain caps Social Security contribution bases: very high salaries pay a lower effective Social Security rate than 6.50%, because contributions stop above the maximum base. This calculator applies the rate to the full gross, so high-salary results are conservative estimates (slightly lower net than reality). All other figures use the official 2026 rates above.
Affiliate disclosure: the button below may earn us a commission at no extra cost to you — see our affiliate disclosure.
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Sources, methodology and disclaimer
Sources & methodology
Sources: AEAT state IRPF scale (article 63.1 LIRPF, unchanged since 2021, applying to fiscal years 2025 and 2026); Community of Madrid regional scale (Legislative Decree 1/2010 as amended, 8.5%–20.5%); TGSS 2026 employee contribution rates (seg-social.es: common contingencies 4.70%, unemployment 1.55%/1.60%, vocational training 0.10%, MEI 0.15%). Method: taxable income = gross − employee Social Security − €2,000 general deduction; IRPF = progressive scale tax on taxable income minus scale tax on the €5,550 personal minimum. Illustrative figures: all worked examples show the calculator’s method, not a payslip. Disclaimer: estimate only — not tax or financial advice. Your actual withholding depends on your Modelo 145 personal situation, regional residence, and the annual Renta settlement. Verify with your employer’s payroll or a gestor before signing a contract.
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You may also need
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→ Best Bank Account for Bangladeshis in Spain — Oct 2026
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