Updated for IRPF 2026
How much tax do you really pay in Spain?
Free, anonymous IRPF calculator. State and regional brackets, Seguridad Social and your real net salary — in seconds.
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2026
current rules
IRPF Calculator2026
GROSS ANNUAL INCOME
€/year
SITUATION
COMUNIDAD AUTÓNOMA
Estimated net
€ 26.397
≈ € 2.200 net per month (12 payments)
Effective rate
24,6%
Net 75%Deductions 25%
Transparent
See the tax bracket by bracket, not just a total.
Anonymous
No sign-up and no data stored. Everything is calculated in your browser.
Up to date
2026 brackets, Seguridad Social and autónomo fees.
Your result
Where every euro of € 35.000 goes
Your estimated net
€ 26.397
from € 35.000 gross · ≈ € 2.200/month
Net 75%Deductions 25%
Seguridad Social · 6,5%
employee contribution, deductible from IRPF
IRPF · state portion
− € 3.1649,5% · 0–12.450€ 1.183
12% · 12.450–20.200€ 930
15% · 20.200–35.200€ 1.579
18,5% · 35.200–60.000€ 0
22,5% · 60.000–300.000€ 0
24,5% · > 300.000€ 0
Personal allowance (5.550 €)+ € 527
IRPF · regional portion · General scale
regional scale on a base of € 30.725
Total deductions€ 8.604
Estimate using the 2026 state IRPF scale and approximate regional scales. Employee: Seguridad Social 6,50% (with contribution cap), 2.000 € of deductible expenses and the employment income reduction. Autónomo: RETA fee by earnings bracket and 5% for hard-to-justify expenses. Ley Beckham: flat 24%. Only the general personal allowance is applied; child allowances, regional deductions and the foral regimes (Basque Country and Navarre) are not included. For an official calculation, consult a tax advisor.
How it works
Three steps, no jargon, no sign-up.
01
Enter your income
Type your gross annual salary in euros (or your income net of expenses if you are an autónomo, i.e. self-employed).
02
Choose your situation
Employee, autónomo or Ley Beckham, plus your comunidad autónoma (region). The result updates instantly.
03
Understand your payslip
See how much goes to Seguridad Social, to the State and to your region, and how much you take home each month.
IRPF brackets 2026
IRPF is progressive: each bracket has its own rate.
You don't pay a single percentage on everything. Only the part of your base above each threshold pays the higher rate — which is why your effective rate is always lower than your marginal rate. Combined rates (state + regional) on the general scale.
Calculate your case →Up to € 12.45019%
€ 12.450 – 20.20024%
€ 20.200 – 35.20030%
€ 35.200 – 60.00037%
€ 60.000 – 300.00045%
Over € 300.00047%
Who it's for
Built for people who live — or dream of living — in Spain.
A
Employees
Understand how much of your payslip you keep each month, after IRPF and Seguridad Social.
AU
Autónomos and digital nomads
Compare autónomo and Ley Beckham and plan your contributions with no surprises.
BR
Brazilians in Spain
Guides in Portuguese on visas, the NIE (foreigner ID number), first jobs and taxes — for those just arriving.
Spain IVA Calculator
Calculate IVA (VAT) on goods and services in Spain
IVA quick reference
Common IVA rates:
- 21%: Most goods and services
- 10%: Hospitality and restaurants
- 4%: Basic food and books
- 0%: Exports and exemptions
IVA calculation:
IVA = Price × IVA rate
Total incl. IVA = Price + IVA
Understanding IVA in Spain
IVA rates in Spain:
- 21% - Standard rate (most goods and services)
- 10% - Reduced rate (hospitality, transport, some foods)
- 4% - Super-reduced rate (bread, milk, fruit, books, medicines)
- 0% - Exempt (exports and some transactions)
What is IVA?
IVA (Impuesto sobre el Valor Añadido) is Spain's VAT, a consumption tax on goods and services. It is included in the final price and businesses collect it on behalf of Hacienda (the Spanish tax agency).
Important IVA information
When does IVA apply?
- Most goods and services sold in Spain
- Imports of goods
- Digital services supplied to consumers in Spain
- Intra-EU acquisitions
IVA exemptions:
- Financial and insurance services
- Healthcare and education services
- Rental of a primary residence
- Some real estate transactions
For autónomos and businesses:
- You generally have to charge IVA from your first invoice (there is no minimum threshold)
- IVA is filed quarterly using modelo 303 (the quarterly VAT return)
- IVA paid on business expenses is deductible
- Invoices must include the NIF, taxable base and rate applied
* IVA is an indirect tax on the consumption of goods and services. The standard rate in Spain is 21%, with reduced rates for food, books and medicines. The Canary Islands, Ceuta and Melilla do not apply IVA (IGIC/IPSI). More information
Frequently asked questions
Quick answers
What is IRPF?+
IRPF (Impuesto sobre la Renta de las Personas Físicas) is Spain's personal income tax. It is progressive and split into a state part and a regional part, which is why the total rate depends on the comunidad autónoma where you live.
Do I have to pay tax in Spain if I am not Spanish?+
Yes. If you spend more than 183 days a year in Spain or your centre of interests is here, you are a tax resident and pay tax on your worldwide income, whatever your nationality.
What is the Ley Beckham?+
It is the special regime for inbound workers: for 6 years you pay a flat 24% on employment income up to 600.000 € (47% above that), instead of the progressive scale. You must apply within 6 months of registering with Seguridad Social.
How much Seguridad Social does an autónomo pay?+
Since 2023 the contribution (the RETA fee, the self-employed social security scheme) depends on your net earnings: in 2026 it ranges from about 205 € to 607 € a month. In your first year you can opt for the flat rate of 80 € a month.
When is the tax return filed?+
The tax return season usually runs from early April to 30 June of the year after the tax year.
What if I work remotely for a foreign company?+
If you are a tax resident in Spain you must declare that income here. Many digital nomads with a visa can also opt into the Ley Beckham.