Spanish gross-to-net salary calculator
Estimate your monthly take-home pay in Spain from your gross annual salary: the calculator deducts social-security contributions and an estimated income-tax (IRPF) withholding, then spreads the net amount over 12 or 14 payments.
Why your take-home pay is lower than your gross salary
In Spain, your gross salary is what you agree with the employer; your net pay is what actually lands in your account. Between the two there are two big deductions: your share of Social Security contributions and the IRPF withholding, which is an advance on income tax that the employer pays to the tax office on your behalf every month.
What the employee pays into Social Security
A total of 6.48% is deducted from your payslip in contributions: 4.7% for common contingencies, 1.55% for unemployment, 0.1% for vocational training and 0.13% for the MEI (intergenerational equity mechanism). The exact percentages can vary with the type of contract and the rules in force each year. Don't confuse this with what the employer pays separately, which is considerably more and doesn't come out of your gross.
The IRPF withholding: why everyone's is different
This is the part that varies most from person to person. The withholding isn't a fixed percentage: it depends on how much you earn a year, your family situation (children, dependent relatives), the type of contract and other personal circumstances. That's why two colleagues on the same gross can end up with different net pay. And the withholding is only an advance: it's settled in the following year's tax return, which is where refunds or extra payments come from.
Twelve or fourteen payments
The annual salary is the same, but how it's split changes the monthly picture. With fourteen payments you earn less each month and receive two extra ones, usually in summer and December; with twelve, those extras are spread out and each monthly payment is larger. This tool lets you compare both options.