Spain Tax Calculator 2026: Your Take-Home Pay After Tax

Short answer: on a gross salary of €50,000 in Madrid you take home about €36,190 a year, or €3,016 a month over 12 payments. Income tax (IRPF) takes €10,560 and employee social security €3,250, so 27.6% of your pay goes in total. The same salary leaves you €35,287 in Extremadura, the most expensive region at this income, because half of Spanish income tax is set by each region. Enter your own figures below for 2026, including the Beckham Law, pensions and non-resident tax.

Take-home pay on €30,000, €50,000 and €70,000

These are 2026 figures for a single employee under 65 with no children, on a permanent contract, in three of the regions that draw the most people moving to Spain for work.

At €70,000 your pay passes the 2026 social security ceiling of €61,214 a year (€5,101 a month). Contributions stop growing at the normal rate there, and only a small solidarity contribution of 0.19% to 0.24% applies on the part above it.

The same €50,000 salary in every region

The state half of income tax is the same everywhere. The regional half is not, and neither are the personal allowances some regions set. Between the cheapest and the most expensive region the gap on €50,000 is €903 a year.

The Basque Country and Navarre are missing on purpose. They run their own income tax systems, with their own rates and work deductions, so a general calculator would give you a wrong figure. Ceuta and Melilla appear in the calculator with their 60% tax deduction for income earned there.

Spain income tax rates for 2026

Spanish income tax on salaries and pensions is two scales added together: the state scale, which is the same across Spain, and your region’s scale. The region that applies for the whole year is the one where you spent the most days of it.

Across the regions the combined rate starts at between 17.25% and 19% and tops out at between 45% (Madrid) and 53.85% (Valencia (Comunitat Valenciana)). Before any rate applies, Spain gives every taxpayer a personal allowance of €5,550 (more in some regions), plus €1,150 from age 65 and a further €1,400 from 75, and €2,400 to €4,500 for each child. Employees also deduct their social security and a flat €2,000 for work expenses. The calculator shows the full scale for your region once you run it.

Social security deductions for employees in 2026

Employees pay 6.5% of their salary up to the monthly ceiling of €5,101:

• 4.70% for common contingencies (pension, sick pay)
• 1.55% unemployment on a permanent contract (1.60% if temporary)
• 0.10% vocational training
• 0.15% for the intergenerational equity mechanism (MEI), whose total rate rises to 0.90% in 2026

Your employer pays at least another 30.65% on top, plus a workplace accident rate that depends on the job, and none of it shows on your payslip. The money buys real things: public healthcare, a contributory pension, unemployment benefit and paid sick leave.

Beckham Law: when 24% beats the standard rates

The special regime for people who move to Spain to work, known as the Beckham Law, taxes salary at a flat 24% up to €600,000 and 47% above that, for the year you arrive and the next five. There are no allowances under it, and that changes the maths at lower salaries. On €60,000 in Madrid the standard rates cost €13,916 and Beckham €14,400, so Beckham loses. On €100,000 the standard rates cost €30,711 against €24,000 on Beckham, a saving of €6,711 a year.

Below those salaries the regime mostly pays off if you have large investment income abroad, which Beckham leaves out of Spanish tax. Above them the saving grows quickly. It is a separate application, not automatic: it has to be filed within six months of starting work in Spain, and you must not have been tax resident here in the previous five years. Our guide to the Beckham Law requirements and application covers who qualifies.

Moving to Spain? Tax residency, the 183-day rule and the Beckham Law

You become a Spanish tax resident for a calendar year if you spend more than 183 days here, or if Spain is the centre of your business or economic interests. Spain also presumes it when your spouse and minor children live here. Residents pay on worldwide income at the rates above. Non-residents pay only on Spanish income: 24% of a Spanish salary, or 19% after deductible costs if they live in another EU or EEA country.

Timing matters more than most people expect. Arrive in March and you will almost certainly be resident for that year; arrive in August and you may not be. A Beckham application, on the other hand, runs from your social security start date, not from January.

Which visa puts you in this calculation

Your visa decides which line of the calculator applies to you. The Non-Lucrative Visa does not allow you to work at all, in Spain or remotely, so the salary line does not apply: you will normally be taxed here on pensions and investment income once you are resident. The Digital Nomad Visa needs income of about €2,850 a month gross, and the remote salary it covers is taxed at the standard rates above or, for employees of a foreign company who qualify, under the Beckham Law. We explain that choice in detail in taxes on the digital nomad visa, and the rest of the system (property, wealth and inheritance tax) in our guide to taxes in Spain for expats.

How UK, US and private pensions are taxed in Spain

Once you are resident, most pensions are taxed in Spain as work income, with the same €2,000 expense allowance and personal allowances as a salary, and no social security. A 67-year-old in Valencia with a €12,000 UK State Pension and a €13,000 private pension would pay about €3,620 a year.

• UK State Pension and UK private or workplace pensions: taxed only in Spain under the UK-Spain treaty (art. 17).
• US 401(k), IRA and other private pensions: taxed in Spain when paid out (US-Spain treaty art. 20).
• US Social Security: the treaty lets the US tax it, but not exclusively, so Spain taxes it too and gives a credit for US tax paid. The calculator shows the Spanish tax before that credit.
• Government service pensions (UK civil service, US federal, military, teachers in some cases): taxed only in the paying country unless you are also a Spanish national. Spain still counts them to set the rate on your other income, and the calculator does the same.

How the calculator works

It follows the 2026 income tax return step by step: gross pay, minus employee social security, minus the €2,000 work expense allowance and the low earnings reduction where it applies, gives taxable income. The state and regional scales are applied to that figure, and the tax on your personal and family allowance is taken off at the lowest rates. Employees earning under about €20,000 also get the minimum wage deduction introduced in 2025. The result is the tax you owe for the year, which is what your withholding should add up to.

What it leaves out: regional tax credits (rent, childcare, young people, large families), pension plan contributions, savings income, the age allowance of a spouse over 65 in a joint return, and the Basque Country and Navarre. For the self-employed it uses the minimum quota of your income bracket and the 5% flat cost allowance, so treat that result as an estimate. Rates come from the Personal Income Tax Law, the Ministry of Finance summary of regional tax measures for 2026 (September 2026 update) and the 2026 Social Security contribution order.

Spain tax calculator: common questions