Converting your gross salary to net can be tricky, as it depends on IRPF tax withholdings and Social Security contributions. With our gross-to-net calculator, you can get an instant and accurate result, adapted to your region and number of payments.
The gross salary is the total amount agreed with your employer before taxes and deductions. It includes base pay, bonuses, overtime, and extra payments.
The net salary is the amount you actually receive in your bank account each month, after deducting:
Below are estimates for a single worker with no children, in Madrid and Catalonia, with 14 payments:
| Gross annual salary | Madrid (net) | Catalonia (net) |
|---|---|---|
| €20,000 | ≈ €16,400 | ≈ €16,100 |
| €30,000 | ≈ €23,500 | ≈ €22,900 |
| €50,000 | ≈ €36,800 | ≈ €35,600 |
The easiest way is to use an online tool like our gross-to-net calculator, which applies official IRPF and Social Security rates.
Because Madrid applies lower regional IRPF rates (19% on the first bracket) while Catalonia’s are higher (21%). With the same gross salary, the net income differs.
Yes, but remember this is an approximate simulation. It’s based on official BOE data and current tax tables, but doesn’t replace the official calculation by the Spanish Tax Agency.
It doesn’t change your annual total — only how it’s distributed. With 14 payments you receive less per month, but two bonuses in June and December.