Spain Salary After Tax Calculator 2025 | Take Home Pay Calculator EUR

  • Adam
  • November 2, 2025

Calculate your salary after tax in Spain for 2025. Free take-home pay calculator with IRPF income tax, regional tax & social security contributions. Agencia Tributaria rates.

Spain Salary After Tax Calculator 2025

Calculate your take-home pay in Spain for 2025. This comprehensive salary after tax calculator helps you determine your net income after IRPF (personal income tax), regional taxes, social security contributions, and applicable deductions. Get accurate results based on the latest Agencia Tributaria tax rates and thresholds for 2025.

Salary After Tax Calculator

How to Use This Calculator

1 Enter Your Annual Gross Salary: Input your total annual income before any deductions in euros.
2 Select Your Residency Status: Choose whether you are a Spanish tax resident or a non-resident. Tax rates differ significantly.
3 Select Your Autonomous Community: Choose your region, as regional tax rates vary across Spain's 17 autonomous communities.
4 Select Your Pay Period: Choose how frequently you receive payment (annual, monthly, or weekly).
5 Click Calculate: Press the "Calculate Take-Home Pay" button to see your detailed breakdown of IRPF tax, regional tax, social security contributions, and net income.

Understanding Spanish Income Tax 2025

Spain has a progressive tax system with income taxed at different rates depending on your income level, residency status, and autonomous community. The Agencia Tributaria (Spanish Tax Agency) administers the system. Spain's income tax (IRPF) consists of both national and regional components, with rates varying significantly by region.

2025 National Income Tax Brackets for Residents

For Spanish tax residents in 2025, the national IRPF tax brackets are:

2025 IRPF National Tax Brackets (Spain)
• 9.50% on income up to €12,450
• 12.00% on income €12,451 to €20,200
• 15.00% on income €20,201 to €35,200
• 18.50% on income €35,201 to €60,000
• 22.50% on income €60,001 to €300,000
• 24.50% on income over €300,000

Regional Income Tax Rates

Each autonomous community sets its own regional tax rates (adicional autonómico). The combined state and regional rates for a typical region (Madrid) are shown below. Regional rates vary from approximately 9% to 25% additional tax:

Combined Tax Rates (State + Regional - Madrid Example 2025)
• 19% on income up to €12,450
• 24% on income €12,451 to €20,200
• 30% on income €20,201 to €35,200
• 37% on income €35,201 to €60,000
• 45% on income €60,001 to €300,000
• 49% on income over €300,000

Note: These rates are for Madrid. Other regions vary (e.g., Basque Country, Catalonia have different rates).

Social Security Contributions 2025

All employees in Spain pay social security contributions (cotizaciones sociales). The employee contribution rate is typically 6.35% of gross salary, with a maximum contribution base of €4,909.50 per month (€58,914 annually):

Social Security Contributions 2025
Employee contribution rate: 6.35%
Maximum monthly contribution base: €4,909.50
Maximum annual contribution base: €58,914

Formula: \( \text{SS Contribution} = \min(\text{Salary}, 58,914) \times 0.0635 \)

Additional Solidarity Contribution (for high earners):
Applied to income exceeding €58,914 with progressive rates
Tier 1 (0-10% above max): 0.92% in 2025
Tier 2 (10-50% above max): 1% in 2025
Tier 3 (50%+ above max): 1.17% in 2025

Non-Resident Tax Rates

Non-residents are taxed on Spanish-source income at flat rates without progressive brackets:

Non-Resident Income Tax (IRNR) 2025
EU/EEA Residents: 19% flat rate
Other Non-Residents: 24% flat rate

Applied to gross income (no progressive brackets)
Social security contributions do not apply to non-residents

Tax Deductions and Reliefs

Spanish residents can claim various deductions including personal and family allowances (€3,400 for single taxpayers), work-related expenses, charitable donations, and investment-related expenses.

Take-Home Pay Calculation Method

Your net income or take-home pay is calculated by subtracting all tax components from your gross salary:

Net Income Formula
\( \text{Net Income} = \text{Gross Salary} - \text{IRPF Tax (State + Regional)} - \text{Social Security Contributions} \)

Where:
• Gross Salary = Your total annual income
• IRPF Tax = Progressive tax based on brackets after deductions
• Social Security = 6.35% up to €58,914 maximum base

Effective Tax Rate

Your effective tax rate is your total tax and contributions divided by your gross income. This is typically lower than your marginal tax rate (the rate applied to your last euro of income) due to the progressive nature of the Spanish tax system:

Tax Rate Formulas
\( \text{Effective Tax Rate} = \frac{\text{IRPF Tax}}{\text{Gross Income}} \times 100\% \)

\( \text{Total Deduction Rate} = \frac{\text{IRPF + Social Security}}{\text{Gross Income}} \times 100\% \)

Frequently Asked Questions

What is the difference between gross salary and net salary in Spain?
Gross salary is your total income before any deductions, while net salary (take-home pay) is what remains after IRPF income tax, regional taxes, and social security contributions. Your net salary is the actual amount paid to your bank account.
What is IRPF in Spain?
IRPF (Impuesto sobre la Renta de las Personas Físicas) is Spain's personal income tax. It consists of national and regional components, with rates varying by autonomous community. IRPF is the main direct tax paid by Spanish residents.
Do all regions in Spain have the same tax rates?
No. Each autonomous community sets its own regional tax rates. Combined with the national rate, total IRPF rates vary across Spain. For example, Madrid and Catalonia have different effective tax rates even for the same income level.
What are social security contributions in Spain?
Employees pay 6.35% in social security contributions (cotizaciones sociales) to fund healthcare, pensions, unemployment insurance, and other benefits. The contribution is calculated on salary up to a maximum of €4,909.50 per month (€58,914 annually).
What is the maximum social security contribution base?
For 2025, the maximum monthly social security contribution base is €4,909.50 (€58,914 annually). Salaries exceeding this amount are subject to additional solidarity contributions with progressive rates.
How much will I pay in tax on a €40,000 salary?
For a €40,000 salary in Madrid (2025): IRPF = approximately €5,800 (combined state + regional). Social Security = €2,540 (6.35% of €40,000). Total deductions ≈ €8,340. Take-home pay ≈ €31,660. Rates vary by region.
Are non-residents taxed differently in Spain?
Yes. Non-residents pay flat tax rates on Spanish-source income: 19% for EU/EEA citizens, 24% for others. This is different from the progressive resident rates and does not include social security contributions.
What deductions can Spanish residents claim?
Common deductions include personal exemption (€3,400 for single), family allowances (for dependents), work-related expenses, professional subscriptions, charitable donations, and investment-related deductions. Deductions reduce taxable income before applying tax rates.
How are bonuses taxed in Spain?
Bonuses (pagas extraordinarias) are taxed as regular income within the same progressive tax system. They are included in annual taxable income and taxed at the appropriate bracket. Two or three extra monthly payments are common in Spain.
How accurate is this salary calculator?
This calculator provides estimates based on 2025 Agencia Tributaria tax brackets, regional rates, and social security contribution rates. It uses typical regional rates and does not account for personal deductions, family circumstances, or non-standard situations. For precise calculations, use the official Agencia Tributaria calculator or consult a tax professional.

Official Sources & Important Links

All calculations are based on official 2025 rates from Agencia Tributaria (Spanish Tax Agency) and Spanish Government:

Tax Calculation Tools:

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