Take-home pay in Spain
Net in your account
€2,766a month
€33,194 a year
from €45,000 gross
What happens to your €45,000?
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Full calculation and sources
- Gross salary€45,000
Tax & contributions− €11,806
- After tax & contributions€33,194
Mandatory pension− €0
- Net in your account€33,194
The answer rests on
Your assumptions
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What this calculator measures
The figure is what reaches your account after employee Social Security contributions and IRPF, the personal income tax. IRPF is two scales added together — a state scale and the one set by your autonomous community — so the region you live in changes the result. Enter the annual gross whether your contract pays it in twelve or fourteen instalments. The Basque Country and Navarre run their own tax systems and are not modelled.
What you receive now, and what accrues
Social Security contributions fund the public pension, unemployment and sick pay; the breakdown shows them as a deduction and not as pension accruing. What accrues is a pension plan saved in your name: if your employer offers one, enter your contribution and theirs and both appear beside the figure, never inside it.
What this result assumes
- Single, no dependants
- Resident in Spain for the whole year
- Employee on an indefinite contract, régimen general
- No impatriate regime applied
- Election assumed filed within six months of registering
What this model does not cover (12)
- No Manual practico de Renta exists for 2026 and will not until roughly April 2027. The worked example checked here is the 2025 edition; it stands because BOTH the state scale and Aragon's are unchanged for 2026. If either moves, the check must be re-sourced rather than re-baselined.
- The authority publishes no gross-to-net example, so there is no official/*.jsonl corpus: its examples begin at base liquidable general. The check is a component check on the cuota mechanism, which is the part most likely to be wrong.
- The published cuota column of every Spanish scale is rounded to the cent. The engine does not round, so it can sit a fraction of a cent below any figure quoted from a table. Aragon's 2.218,39 is exactly 2.218,3875.
- Below 17.092,80 EUR the cotizacion is charged on the base minima (1.424,40 EUR a month for groups 4-7), not on actual pay, so social security is understated there. Coverage starts above it.
- Above the tope maximo of 61.214,40 EUR a year the cotizacion adicional de solidaridad (Orden art. 17) applies and is not modelled, so employee contributions are understated. Coverage ends there.
- The base liquidable del ahorro (savings income) is not modelled; only employment income is.
- Art. 52's annual ceiling on pension contributions is not modelled; a contribution is assumed to be within it. coversPension is false for that reason.
- The sloped tranches of the art. 20 reduction have no published worked example; only the flat tranche does. They are implemented from the statute.
- Pais Vasco and Navarra: foral territories with their own income tax. Not modelled, and returned as unsupported rather than approximated.
- Regional deductions (deducciones autonomicas) are not modelled; only the regional scale and minimo are.
- Whether employee social security is deductible from the base under art. 93 is NOT established by any AEAT source that was found: Modelo 151 points to art. 24 TRLIRNR, whose base is the 'importe integro [...] ni las reducciones', while the expense rule in art. 24.6 is worded for residents of other EU member states. The engine deducts it, matching the ordinary treatment, and this is the least certain thing about the regime.
- The impatriate regime's six-month election deadline and Modelo 149/151 filing are not modelled: the engine has no arrival date.
Sources for Spain
The rules this page is built from, at the bodies that set them. Every figure in the breakdown above also opens its own source.
How this is worked out
Why does my region change the tax?
Because IRPF is shared: roughly half the scale is set by the state and half by each autonomous community, and each community can also set its own personal allowance. Choose your region on the page.
My salary is paid in fourteen payments. What should I enter?
The annual total. Many Spanish contracts include two extra payments, in summer and at Christmas; they are part of the same annual salary and taxed as such.
What is the Beckham law?
The impatriate regime lets people who move to Spain for work be taxed at a flat rate on employment income for a limited number of years, instead of the progressive scales. Its guide explains the conditions and shows the scenario.
Is the monthly figure a payslip prediction?
It is one twelfth of the annual net amount. Actual monthly payroll can vary with holiday allowance, bonuses and withholding rounding.
Does the city change the tax?
It depends on the country. Where a region, canton or municipality sets part of the income tax, the place you choose changes the result, and the picker offers those places for that reason. Where income tax is set nationally, the city makes no difference to the payroll figure.
Can I use this for self-employment or part-year residence?
Those cases are not modelled. The answer assumes an employee resident for the whole year, and each country's page lists the rest of what it assumes.
Found something wrong?
Tell us which number and we will check it against the source.