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Gross to net salary calculator

Estimate your net salary from your annual gross, deducting Social Security and income-tax withholding.

Indicative estimate using 2026 income-tax brackets, the personal and family minimum and Social Security contributions. It adds the state scale and that of the region you pick (with none picked, the supplementary one); it excludes regional deductions and other circumstances not covered here, so your actual figure may differ. Not tax advice.

Salary details

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 income tax 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.

Personal and family situation

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 income tax.
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 income tax.
Net per payment
€1,651.71
Net annual
€23,124
Social Security (annual)
€1,950
Income tax (annual)
€4,926
Withholding rate
16.42%
Total deduction on gross
22.92%
Personal and family minimum
€5,550
Taxable base (income tax)
€26,050

Information, not tax or financial advice.

How the gross-to-net salary calculator works

Your gross salary isn't what you take home: from it you subtract Social Security contributions and income-tax withholding. This calculator models both in detail, including your personal and family situation (age, children, ascendants, disability, joint taxation), which lower income tax through the personal and family minimum.

How to read the result. The net per payment is what you receive each month (or payment). The personal and family minimum is the part of income that isn't taxed; the larger your family burden, the lower the tax.

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

  • Social Security: €30,000 × 6.5 % = €1,950.
  • Estimated income tax: €4,926 (16.4 % withholding).
  • Net: €23,124, i.e. about €1,652 per payment.

Add children or a pension contribution and watch the tax fall.

An important note. You can pick your region: it adds the state scale and that region's own scale; leave it unset and the supplementary one applies. It excludes regional deductions, and the chartered regimes of the Basque Country and Navarre. It's indicative and not tax advice.

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