Calculators · Spain
Spain take-home pay calculator
Start from the take-home you want or the gross you have. Every line is the engine's answer on the rules in force, never an estimate typed into a blog.
A worked example at 2500,00 gross:
Gross 2500,00
Deductions 573,00
Take-home 1927,00
Employer cost, on top 803,75
| Basic salary | 2500,00 |
|---|---|
| Contingencias comunes 4.7% | 117,50 |
| MEI 0.15% | 3,75 |
| Desempleo 1.55% | 38,75 |
| Formación profesional 0.1% | 2,50 |
| IRPF retención 16.42% | 410,50 |
| What the employer pays on top | |
| Contingencias comunes, employer 23.6% | 590,00 |
| MEI, employer 0.75% | 18,75 |
| Desempleo, employer 5.5% | 137,50 |
| FOGASA 0.2% | 5,00 |
| Formación profesional, employer 0.6% | 15,00 |
| AT/EP, employer 1.5% | 37,50 |
Figures per month. Contribution group (grupo de cotización): 5 · Family situation (situación familiar): 3 · AT/EP accident premium (employer): 0.015 · Age: 30
Why these assumptions
- Contribution group (grupo de cotización). Grupo 5 (oficiales administrativos). All monthly grupos share the 5.101,20 ceiling, so only the base FLOOR differs; grupo 5's floor is the general minimum and never clamps a lawful salary, where grupo 1's 1.989,30 floor silently inflates every quote below roughly EUR 24k/year.
- Family situation (situación familiar). Situación 3, the residual class (single or married to an earning spouse), which is also the withholding default when no declaration is on file.
- AT/EP accident premium (employer). Accident premiums are set per activity, so there is no statutory default; 1.50% is CNAE-2025 code 62 (programacion y consultoria informatica), and the office-work occupation row (letra a) carries the same 1.50, so the figure is robust to which of the two personas a visitor imagines. Employer cost line only.
- Age. Drives age-banded rules where they exist (Singapore CPF rates, Dutch AOW status); everywhere else it changes nothing.
Computed by the same engine that runs production payroll, on the rules in force 2026-08-31. Rates are checked against the statutory authority and countersigned before they can price anything.