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Spain Net Salary Calculator 2026
Free 2026 Spain net salary calculator: IRPF withholding with the AEAT formula, 6.50% Social Security, 12 or 14 payments, children, family situation and temporary contracts.
1. Your pay
Number of payments
Contract
2. Family
Net pay a month
1.536,73 €
| Yearly gross | 28.000,00 € |
| Social Security (6.5 %) | − 1.820,00 € |
| IRPF withholding (15.58 %) | − 4.362,40 € |
| Yearly net | 21.817,60 € |
| Net a month (14 payments) | 1.536,73 € |
| Net of each extra payment (June and December) | 1.688,40 € |
How the withholding is worked out
| Net earnings (gross − Social Security) | 26.180,00 € |
| General expenses + earned income reduction | − 2.000,00 € |
| Withholding base | 24.180,00 € |
| Personal and family allowance | 5.550,00 € |
| Withholding amount | 4.365,00 € |
Withholding is a prepayment: your real IRPF is worked out in the 2027 tax return, with your region's scale, and you may get money back or owe some.
Common territory (not the Basque Country or Navarre). No disability, dependent parents or relocation. Checked: October 2026. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: Agencia Tributaria: retenciones · Orden PJC/297/2026, cotización 2026 (BOE)
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
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Questions people ask
What is the 2026 minimum wage?+
1.221 € gross a month in 14 payments (17.094 € a year). On that pay, a single person with no children has about 3% withheld, thanks to the 43% legal limit.
How much Social Security is deducted?+
6.50% on a permanent contract (4.70% common contingencies, 1.55% unemployment, 0.10% training, 0.15% MEI) and 6.55% on a temporary one, up to the €5,101.20 monthly maximum base.
Is 12 or 14 payments better?+
The yearly total is the same. With 14, each month is smaller but you get an extra payment in June and December (no separate contribution, as it's already prorated into the base).
Why is my withholding different from a colleague's with the same pay?+
Withholding depends on your family situation, children, age, disability and contract type. Tell your employer about changes using form 145.