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Salary after tax calculator for Spain

Enter a gross salary to see the income tax, social contributions and take-home pay a month. An estimate for a single person without children, not tax advice.

Take-home pay on €40,000 a year in Spain

Take-home pay a month
€2,516
After income tax and social contributions
Take-home pay a year
€30,196
After income tax and social contributions
Total deductions
24.5%
of your gross pay goes to tax and contributions
If you earn €100 more
€64
more take-home pay

Your deductions

ItemPer yearPer month
Gross pay€40,000€3,333
Income tax (state share)IRPF – cuota estatal−€3,873−€323
Income tax (Community of Madrid share)IRPF – cuota autonómica−€3,332−€278
Pension and sickness insuranceContingencias comunes−€1,880−€157
Unemployment insuranceDesempleo−€620−€52
Vocational trainingFormación profesional−€40−€3
Pension reserve levyMecanismo de Equidad Intergeneracional (MEI)−€60−€5
Total deductions−€9,804−€817
Take-home pay€30,196€2,516

What your employer pays

ContributionPer yearPer month
Pension and sickness insuranceContingencias comunes€9,440€787
Unemployment insuranceDesempleo€2,200€183
Wage guarantee fundFondo de Garantía Salarial (FOGASA)€80€7
Vocational trainingFormación profesional€240€20
Pension reserve levyMecanismo de Equidad Intergeneracional (MEI)€300€25
Work accident insurance (IT sector rate)Accidentes de trabajo y enfermedades profesionales (AT/EP)€600€50
Total cost to the employer€52,860€4,405

About this estimate (2026 rules, checked 15 October 2026)

Assumptions

  • Single, no children, no disability, under 65, resident in Spain all year, no other income
  • Income tax is the yearly tax due on the return, not the monthly withholding on payslips
  • No regional deductions that depend on personal circumstances (age, rent, children, donations…)
  • Some regions offer deductions for people who move there; they are not included
  • Employee on a permanent contract under the general Social Security scheme, working all of the tax year
  • Pay spread evenly over the year (extra payments prorated), at or above the minimum contribution base of the job group
  • Employer cost includes the work-accident premium for programming and IT consultancy (CNAE 62, 1.50%)

Sources

This is an estimate under the 2026 rules, not tax advice. Your actual pay depends on your personal situation (family, other income, deductions you claim); check the official sources listed here or ask a tax adviser.

Tax and salary guides