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Net salary and cost to the company

Between the gross salary you sign for and the money that lands in your account there are a few stops: taxes, social contributions and, before all that, what the company pays to have you. Pick a country and see the whole picture, with official 2026 figures.

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Your numbers

Each country has its own details: the fields below change with it.

The salary you entered is
Number of payments

Under the common regime withholding is the same in every region and the region changes the final tax in the annual return. The Basque Country and Navarre have their own withholding table.

Contract, disability and contribution group

Depends on the company's activity; 1.5% is a common reference for office work.

Assumptions and how it's calculated

Withholding is an advance. The income tax the company takes off each month is a payment on account, calculated with the Spanish Tax Agency's official procedure; the real tax is worked out in the following year's return, with your region's scale and your deductions. That's why, besides the withholding, you'll see an estimate of the yearly tax and whether you'd pay or get a refund (counting only this salary).

Social Security. It's paid on the monthly base (yearly gross divided by 12, with extra payments spread out), between your group's minimum base and the 2026 maximum of €5,101.20 a month. Above the maximum only the additional solidarity contribution applies, which in 2026 is 1.15%, 1.25% or 1.46% depending on the band.

Contribution base = min(max(gross ÷ 12; minimum base); 5,101.20) per month Your contribution = base × (4.70 + 1.55 or 1.60 + 0.10 + 0.15) % Employer contribution = base × (23.60 + 5.50 or 6.70 + 0.20 + 0.60 + 0.75 + accidents) % Withholding base = gross − your contribution − 2,000 − earned income reduction Withholding amount = scale(base) − scale(personal and family allowance) (scale 19% to 47%) Withholding rate = amount ÷ gross, truncated to two decimals Tax wedge = (income tax + your contribution + employer contribution) ÷ total cost

What it leaves out. Benefits in kind, overtime, pension plans, maintenance payments, pre-2013 home loans, geographic mobility, dependent parents, Ceuta, Melilla and La Palma. The yearly tax leaves out regional deductions and other income. The yearly estimate uses each common-regime region's 2026 scale and allowances; in the Basque Country and Navarre their 2026 foral withholding table is used (with no yearly estimate, which follows foral rules).

This is an exercise based on your assumptions, not a recommendation.

Everything is calculated in your browser; nothing is sent or stored.

Official 2026 figures: contribution order PJC/297/2026 (Spanish Official Gazette, 31/03/2026), the Tax Agency withholding algorithm (from 10/09/2026), the Income Tax Act (art. 63) and the 2026 regional scales and allowances ("Tributación Autonómica. Medidas 2026", Finance Ministry). Foral territories: the shared Basque table (Bizkaia Foral Decree 134/2025, Official Gazette of Bizkaia 30/12/2025, and Basque Government Circular 1/2026) and the 2026 Navarre table (Foral Decree 148/2025; checked against the official Navarre tax office calculator). Checked on 13/11/2026.

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Invitation only, for now

We’re a small group and we like growing slowly, so accounts can’t be created right now: membership is by invitation. If you’d like to join, drop us a line and we’ll tell you more.