Personal income tax calculator

Calculate your withholdings step by step and get an accurate estimate.

Calculate personal income tax (IRPF)

Calculate your net monthly and annual salary

How to calculate the IRPF on your salary?

To get an accurate calculation, our tool analyses the three key aspects that the Spanish Tax Agency uses to determine your withholding rate:

Gross salary: Personal income tax is a progressive tax; the more you earn, the higher the withholding percentage.
Personal and family situation: The number of children, marital status and whether you have elderly dependants can reduce the withholding percentage.
Expenses and deductions: Social security contributions and other deductible expenses in accordance with the law are factored in.

Did you know…? If your withholding is too low during the year, it is highly likely to have to pay more tax given the result of your tax return. Using an IRPF calculator helps you to foresee this.

Keep adding up: Earn up to €1,400

In the first year with the Sabadell Online Account. No fees or conditions. Only until 27/05!

Up to €1,000 for your money with a 2% APR^a (maximum balance €50,000).
€400 for switching over your salary and activating Bizum^a in this account.

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Your tax planning starts with Banco Sabadell

Once you have used the Income tax calculator and you know your tax withholding percentage, the next step is to manage your salary smartly.

Keep control over your finances with an account that offers you total clarity about your income and helps you make the most of your net funds, with zero fees and complete availability. %> Open my Sabadell Online Account

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Let's answer your questions about the calculator

Why do I have to use an income tax calculator updated to 2026?

Each tax year may involve changes to the tax brackets or deductions based on your family situation. Using a tool that has been updated to 2026 ensures that the calculation of your net salary and retentions is as accurate as possible for your current salary.

How will the 2026 income tax brackets affect my salary?

Personal income tax is a progressive tax. In 2026, as in previous years, the withholding percentage goes up as your gross annual salary goes from one tax bracket to another. Our calculator breaks down these brackets so you understand how much you pay in each of them.

What data do I need to calculate my withholding?

For the result to be accurate, you will have to state your gross annual salary, your autonomous community (as there is an autonomous region tax component that varies), the type of contract and your family circumstances (children, dependant parents/grandparents or degree of disability).

What happens if my income tax withholding is very low?

If your employer withholds less than is due according to the 2026 regulations, it is very likely that the result of your tax return will be that you owe tax. Using this calculator allows you to ask your employer to adjust your withholding by increasing it if you want to avoid an unforeseen payment next year.

Does the income tax calculator include social security contributions?

Yes, our tool differentiates between withholdings at source (tax) and social security contributions, offering you an overall view of your net salary.

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Condiciones legales

a. Condition of the promotion for accounts opened from 01/05/2026 to 27/05/2026. It will earn 2% APR up to €50,000 of the combined average balance of the Sabadell Online Account and the Sabadell Savings Accounts of the holders linked to it to be used as a personal account. Representative example of total remuneration in one year calculated for a joint average monthly balance of €50,000: 2.001% NIR per annum, 2.019% APR, €1,000.46 in interest settled in the year. Settlement is paid on a monthly basis and is credited to the Sabadell Online Account on the 15th day of the following month (or the first working day before it). After the second year, the current yield conditions of the account will apply. For personal account users, €400 extra for switching over your salary with a minimum amount of €1,000 into the Sabadell Online Account and having Bizum linked to the same account. This incentive is subject to the current withholding tax. To be eligible for this incentive, Bizum must be linked to the account and your salary must be paid into the account for 12 consecutive months when the day on which the incentive is credited. The incentive will be credited to your account monthly (€33.34 gross/month, €400.08 gross/year) for 12 months. See the terms and conditions of the promotion

here

here .