Gross to Net Salary Conversion in Spain 2025
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.
What is gross salary?
The gross salary is the total amount agreed with your employer before taxes and deductions. It includes base pay, bonuses, overtime, and extra payments.
What is net salary?
The net salary is the amount you actually receive in your bank account each month, after deducting:
- IRPF (personal income tax), which varies by income, region, and personal situation.
- Social Security contributions, which fund pensions, unemployment, and healthcare.
Gross → Net examples in 2025
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 |
Factors influencing the conversion
- Number of payments: with 12 payments you earn more monthly; with 14 you receive extra payments in June and December.
- Region (autonomous community): some regions have higher or lower IRPF rates (e.g. Madrid vs Catalonia).
- Personal situation: having children, disabilities, or specific deductions reduces your tax rate.
Frequently Asked Questions
How can I easily convert my gross to net salary?
The easiest way is to use an online tool like our gross-to-net calculator, which applies official IRPF and Social Security rates.
Why is the net salary higher in Madrid than in Catalonia?
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.
Can I calculate my exact net salary for tax purposes?
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.
What if I receive multiple extra payments?
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.