Guides on salary and payslips in Spain
Clear explanations with examples to help you understand your salary in Spain, updated for 2026.
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Convert gross to net salary: monthly take-home pay, IRPF withholding and Social Security.
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The gross annual salary you need to take home a specific net amount.
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Guides
- How to calculate net salary from gross in Spain: step-by-step guide
Learn how to go from gross to net salary in Spain in 2026 with a real example: Social Security, reductions, personal allowance and IRPF withholding.
- Spanish income tax (IRPF) brackets 2026 and how payroll withholding works
Table of Spanish income tax (IRPF) brackets for 2026, what the marginal rate is, the tax-free threshold and why earning more never leaves you worse off.
- Social Security contributions in Spain 2026: how much is deducted from your pay
What percentage of your salary goes to Social Security in Spain in 2026, what the MEI is, the maximum contribution base and the solidarity contribution.
- How to read a Spanish payslip (nómina): every section explained
Understand your Spanish payslip: earnings (devengos), base salary, supplements, deductions, contribution bases, IRPF and net pay (líquido a percibir).
- 12 or 14 payments a year in Spain? Which is better and how it affects your pay
Differences between being paid in 12 or 14 instalments in Spain: monthly pay, extra payments, IRPF withholding, unemployment benefit and which suits you best.
- Spain minimum wage 2026: how much it is and whether it is taxed
Spain's minimum wage (SMI) for 2026 is €1,221 a month in 14 payments (€17,094 a year). We explain the net amount, the hourly rate and how it is taxed.
- Income tax in the Basque Country and Navarre: how withholding works in 2026
Why income tax is different in Álava, Bizkaia, Gipuzkoa and Navarre, how their 2026 withholding tables work and how much they change your net salary.
- How to calculate your final settlement (finiquito) in Spain, with an example
What the Spanish final settlement (finiquito) includes — unpaid salary, untaken holidays and extra payments — how to calculate it and how it differs from severance pay.
- Severance pay in Spain: how much you are entitled to by type of dismissal
Days of severance pay for unfair dismissal, objective dismissal and end of temporary contract in Spain, how daily salary is calculated and whether it is taxed.
- Unemployment benefit in Spain 2026: how much, how long and limits
How Spanish unemployment benefit (paro) is calculated in 2026: regulatory base, percentages, minimum and maximum amounts, duration and deductions.
- Form 145 (modelo 145): what it is and how it affects your tax withholding
What Spain's Form 145 is for, what details it asks for, when to update it and how to ask your employer to withhold more IRPF from your pay.
- Overtime in Spain: how it is paid, contributions and legal limits
Legal limits on overtime in Spain, how it is paid or compensated with time off, how much it contributes to Social Security and how it affects IRPF.
- Flexible remuneration in Spain: how to take home more without a pay rise
What flexible remuneration (retribución flexible) is in Spain, which products it covers — health insurance, meals, transport, nursery, training — and how much IRPF you can save.
- Sick leave in Spain: how much you get paid and who pays it
How much you receive during sick leave in Spain for common illness or a work accident, from which day, who pays each period and how the regulatory base is calculated.
- Base salary and supplements in Spain: what each part of your pay means
The difference between base salary, salary supplements (seniority, job-related, night work, targets) and non-salary items in Spain, and how they affect your payslip and severance.
- Collective agreements in Spain (convenio colectivo): how to find yours
What a Spanish collective agreement (convenio colectivo) regulates, how to find yours, what happens if there is none and why it sets your minimum pay, hours and holidays.
- How to ask for a pay rise: a practical guide
When and how to ask for a pay rise: preparing your arguments, working out the figure, what to say in the meeting and what to do if the answer is no.
- Why do I owe money on my Spanish tax return?
The most common reasons employees in Spain end up owing on their tax return: two payers, unemployment benefit, low withholding, rental income or changes in circumstances. And how to avoid it.
- Holidays in Spain: how many days you get and how they are paid
How many days of paid holiday you are entitled to by law in Spain, how they are calculated if you have worked less than a year, how they are paid and what happens if you are on sick leave or leave the company.
- Paid leave in Spain 2026: the days you are entitled to by law
List of paid leave under the Spanish Workers' Statute in 2026: marriage, illness or death of relatives, moving house, force majeure, breastfeeding and more.
- Permanent seasonal contracts in Spain (fijo discontinuo): pay, benefits and seniority
What a fijo discontinuo contract is in Spain, how call-ups work, how pay, holidays and extra payments are calculated, and whether you can claim unemployment benefit between seasons.
- Extra payments in Spain (pagas extra): when they are paid and how they are taxed
How many extra payments you are entitled to in Spain, when they are paid, how they are calculated, why no Social Security is deducted from them and what happens if you leave.
Specific salaries: from gross to net
- What is €18,000 gross in net pay in Spain? Net salary 2026
If you earn €18,000 gross a year in Spain, in 2026 you take home about €1,123 a month in 14 payments (€1,326 in 12). IRPF and Social Security breakdown.
- What is €20,000 gross in net pay in Spain? Net salary 2026
If you earn €20,000 gross a year in Spain, in 2026 you take home about €1,194 a month in 14 payments (€1,411 in 12). IRPF and Social Security breakdown.
- What is €22,000 gross in net pay in Spain? Net salary 2026
If you earn €22,000 gross a year in Spain, in 2026 you take home about €1,264 a month in 14 payments (€1,495 in 12). IRPF and Social Security breakdown.
- What is €24,000 gross in net pay in Spain? Net salary 2026
If you earn €24,000 gross a year in Spain, in 2026 you take home about €1,353 a month in 14 payments (€1,600 in 12). IRPF and Social Security breakdown.
- What is €25,000 gross in net pay in Spain? Net salary 2026
If you earn €25,000 gross a year in Spain, in 2026 you take home about €1,399 a month in 14 payments (€1,654 in 12). IRPF and Social Security breakdown.
- What is €28,000 gross in net pay in Spain? Net salary 2026
If you earn €28,000 gross a year in Spain, in 2026 you take home about €1,537 a month in 14 payments (€1,818 in 12). IRPF and Social Security breakdown.
- What is €30,000 gross in net pay in Spain? Net salary 2026
If you earn €30,000 gross a year in Spain, in 2026 you take home about €1,628 a month in 14 payments (€1,927 in 12). IRPF and Social Security breakdown.
- What is €32,000 gross in net pay in Spain? Net salary 2026
If you earn €32,000 gross a year in Spain, in 2026 you take home about €1,720 a month in 14 payments (€2,036 in 12). IRPF and Social Security breakdown.
- What is €35,000 gross in net pay in Spain? Net salary 2026
If you earn €35,000 gross a year in Spain, in 2026 you take home about €1,858 a month in 14 payments (€2,200 in 12). IRPF and Social Security breakdown.
- What is €40,000 gross in net pay in Spain? Net salary 2026
If you earn €40,000 gross a year in Spain, in 2026 you take home about €2,087 a month in 14 payments (€2,471 in 12). IRPF and Social Security breakdown.
- What is €45,000 gross in net pay in Spain? Net salary 2026
If you earn €45,000 gross a year in Spain, in 2026 you take home about €2,294 a month in 14 payments (€2,716 in 12). IRPF and Social Security breakdown.
- What is €50,000 gross in net pay in Spain? Net salary 2026
If you earn €50,000 gross a year in Spain, in 2026 you take home about €2,500 a month in 14 payments (€2,962 in 12). IRPF and Social Security breakdown.
- What is €60,000 gross in net pay in Spain? Net salary 2026
If you earn €60,000 gross a year in Spain, in 2026 you take home about €2,913 a month in 14 payments (€3,453 in 12). IRPF and Social Security breakdown.
- What is €70,000 gross in net pay in Spain? Net salary 2026
If you earn €70,000 gross a year in Spain, in 2026 you take home about €3,335 a month in 14 payments (€3,946 in 12). IRPF and Social Security breakdown.