What is the difference between 12 and 14 payments?

With 14 payments the annual salary is split into twelve monthly payments plus two extra ones. The annual net is the same; only the size of each payment changes.

Why does withholding not depend on my autonomous community?

The employer applies the national withholding scale. The regional portion is reconciled in the annual income tax return.

Spain net salary calculator

Work out your take-home pay from gross salary: income tax withholding, Social Security contributions and the cost to the employer, with a full breakdown.

Gross annual salary

Total amount before tax, in euros.

Number of payments

Contract type

Dependent children

Of those, under 3 years old

Personal and family situation (optional)

Your ageFor the age-based minimums (65 and 75).

Your disability grade

Reduced mobility or need third-party help

Children with a disability (33% to 64%)

Children with a disability (65% or more)

Dependent ascendants (aged 65 or over)

Of those, aged 75 or over

Return typeA joint return affects the annual calculation only, not the monthly withholding.

Savings income (optional)

Interest, dividends and capital gains (annual)Total savings income for the year. Taxed under a separate scale, the same across Spain.

Rent for your primary residence (optional)

Annual rent paidOnly affects the annual estimate, and only in communities with a modelled rent deduction (Madrid and the Canary Islands, for now). Some regions require a maximum age: also enter your age above if yours does.

Autonomous community

Result

Net pay per payment€1,651.71per payment

Net annual salary€23,124.00

Breakdown
Gross per payment	€2,142.86
Social Security (employee)	€1,950.00
Income tax withholding (IRPF) (Withholding rate 16.42%)	€4,926.00
Net annual salary	€23,124.00
Take-home as a share of gross	77.08%
Total cost to employer	€39,645.00

Gross salary plus employer Social Security contributions. See the breakdown by concept

Your monthly take-home is the same across Spain: the employer applies a national withholding scale. What changes by autonomous community is the income tax you actually pay, settled in the annual return.