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Payroll income-tax withholding calculator

Work out the income-tax percentage withheld from your monthly payslip and how much it adds up to per year.

Indicative estimate using 2026 income-tax brackets: the state scale plus that of the region you pick (with none picked, the supplementary one). It approximates the tax agency's withholding algorithm from your salary, contract type and personal and family situation; your actual withholding may differ and regional deductions are not included. Not tax advice.

What your contract states before taxes and contributions.
12 payments = the extra prorated each month. 14 payments = two extra payments (summer and Christmas).
A temporary contract pays slightly more for unemployment (6.55% vs 6.50% for open-ended).
Lowers the base on which withholding is computed. Maximum with relief: €1,500/year.
Every common-regime region approves its own regional income-tax scale and may raise the personal and family minimum, so the result changes noticeably depending on where you live. 2025 scales, still in force for 2026. Leave it unset and the supplementary scale of art. 65 LIRPF applies, the same one that governs Ceuta and Melilla. Regional deductions are not included.
From age 65 the personal minimum rises, and more so from 75.
If you file as a family unit, a €3,400 reduction applies to the base.
Children or descendants you support. They raise the family minimum and lower withholding.
Each child under 3 adds an extra €2,800 to the family minimum.
Parents or grandparents over 65 (or disabled) living with and supported by you.
A recognised disability grade raises your personal minimum and lowers withholding.
Income-tax withholding rate
16.42%
Withholding per payment
€351.86
Net per payment
€1,651.71
Annual withholding
€4,926
Social Security per payment
€139.29
Gross per payment
€2,142.86

Information, not tax or financial advice.

How the payroll income-tax withholding calculator works

Income-tax withholding is a prepayment your employer hands to the tax office each month on your behalf. It's reconciled in your annual return: over-withheld and you get a refund, under-withheld and you pay. The calculator tailors the withholding to your personal and family situation (contract type, age, children, ascendants, disability, joint taxation and pension contributions), which lower it through the personal and family minimum.

How to read the result. The withholding rate is the share of your gross prepaid. The withholding per payment is that amount in euros.

Worked example (default values). €30,000 gross over 14 payments, open-ended contract, single, age 30, no children:

  • Withholding rate: 16.4 %.
  • Withholding per payment: about €352 → net per payment €1,652.
  • Annual withholding: €4,926.

Raise the salary and the rate rises, because income tax is progressive; add children or a pension contribution and it falls.

An important note. It approximates the tax agency's withholding algorithm by adding the state scale and that of the region you pick (with none picked, the supplementary one). The real figure may differ and it excludes regional deductions. Not tax advice.

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