Spanish Income Tax Calculator for Spain in 2026
Calculate your Spanish income tax (IRPF) for the year 2026 using the dual state-autonomous system. Include social security contributions, minimum wage and family allowance per month with a total of 12 payments or monthly salary in euros to calculate net earnings after taxes.
Contributor Data
Net Result - Monthly Take-Home Pay (after 14 pay periods)
Combined State and Autonomous Community Income Tax Tranches
| Income Tax Return | Combined Type | Charge in Segment |
|---|---|---|
| 0,00 - 12.450,00 | 19% | 2365,50 EUR |
| 12.450,00 - 20.200,00 | 24% | 1860,00 EUR |
| 20.200,00 - 35.200,00 | 30% | 3773,25 EUR |
| Gross Income Tax (before minimum tax) | 6944,26 EUR | |
Social Security (Worker's Contribution)
Annual Summary
Come utilizzare Calcolatore IRPF 2026 Spagna
Insert annual gross income
Indicate your gross annual salary in euros. This is the amount before income tax and social security contributions.
Select the Autonomous Community
Choose your autonomous community of residence for tax purposes. Each region applies its own regional brackets: Madrid is more favorable, Catalonia has higher rates on high incomes.
Configure civil status and children
Indicate your marital status and number of children. Children generate a minimum family allowance that reduces the amount. A joint declaration can be advantageous in some cases.
Analyze Results
Check state quota, regional quota, pension contributions, annual net and monthly net divided into 14 installments.
Suggerimenti
- Community of Madrid applies regional rates systematically lower than the rest: saving 1-3 percentage points compared to the general regime.
- Minimum for children can generate significant tax savings, especially from the third child onwards, where the minimum increases to €4,400.
- If you have a recognized disability equal to or greater than 33%, you can deduct up to €3,000 in minimum personnel costs.
- Contributions to Social Security are deducted from the taxable income of the IRPF: reduce tax by reducing taxable income.
Domande frequenti
How does the dual state-autonomous system of the IRPF work?
Tax in Spain is divided into two halves: the state tax (managed by the Tax Agency) and the autonomous tax (set by each autonomous community). Both apply progressive brackets. The final amount is the sum of both. That's why Madrid, with lower autonomous rates, is more advantageous than other regions.
What is the minimum personal and family size?
Minimum personal and family allowance is a tax-free amount reflecting personal circumstances: €5,550 base plus €3,400 for the first child, €3,800 for the second, and €4,400 for each subsequent child. Disability adds €3,000 extra. The minimum is applied to this base, with the same rates as the base, and the resulting amount subtracted from total income.
What does your social security contribution include?
The worker pays approximately 6.35% of gross salary: common contingencies (4.70%), unemployment (1.55%), and professional training (0.10%). The base contribution has a maximum of €56,646 and a minimum of €15,876 per year (2026 data).
Why is the inheritance divided into 14 installments?
In Spain it is common to receive extra pay in summer and Christmas, resulting in 14 annual payments under many collective contracts. This calculator shows the monthly gross equivalent by dividing the annual gross by 14.
Is it advantageous to file a joint tax return for married couples?
Joint declaration applies a special reduction of €3,400 on taxable income and uses the same rate as singles (but as family unit). It's usually advantageous when one spouse has very low or no income. With two similar incomes, the individual return is usually more favorable.