Net salary calculator
Simulate your net salary and find out your monthly and annual income.
Calculate your net monthly and annual salary
Calculation
How does the net salary calculator work?
- Gross Annual Salary: The total amount before retentions.
- Family situation: If you have dependant children or elderly people, this may affect your deductions.
- Type of contract and mobility: Details that can adjust your rate of income tax (IRPF).
Important note: The result of the 2025 net salary calculator is an estimate based on current law and the data provided.
Keep adding up: Earn up to €1,400
- Up to €1,000 for your money with a 2% APRa (maximum balance €50,000).
- €400 for switching over your salary and activating Bizuma in this account.
Keep adding up: Earn up to €1,400
- Up to €1,000 for your money with a 2% APRa (maximum balance €50,000).
- €400 for switching over your salary and activating Bizuma in this account.
Planning
Why is it important to calculate your net monthly salary?
Plan your savings: Knowing the exact amount lets you decide how much you want to allocate to your Sabadell Savings Account.
Negotiate better conditions: In a job interview, it is crucial to discuss net figures to find out your real purchasing power.
Adjust your expenses: Spread out your net monthly salary to cover your fixed expenses to have a balanced budget.
Factors
Influencing factors when calculating your net salary
- Income tax retentions: You must pay the Impuesto sobre la Renta de las Personas Físicas, or personal income tax, which varies according to your income level.
- Social Security contributions: This includes common contingencies, unemployment, and vocational training.
- Number of payments: Whether your salary is divided into 12 or 14 annual payments.
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Let's answer your questions about the calculator
What is the difference between gross salary and net salary?
Gross salary is the total amount that your employer pays you before any of it gets discounted. On the other hand, your net salary is the real amount that is deposited in your bank account (“amount received”) once social security contributions and income tax are deducted.
Why does my net salary from one year to the next change if my gross salary remains the same?
This tends to occur for updates to tax law. Each year, the government can adjust the income tax brackets or the social security contribution base. This is why it is important for you to use a net salary calculator updated for 2025, as the percentages applied may vary from the previous financial year.
How does my family situation impact the salary calculation?
Income tax (IRPF) is a personalised, progressive tax. Factors such having children under 25, elderly dependants, or a degree of disability can reduce your tax burden. When calculating your net salary, correctly indicating your personal situation can give you a result much closer to the reality of what you take home.
What happens to extra payments when calculating the net monthly salary?
It depends on whether your pay is pro-rated or not.
- If you have 12 payments, the extras are already included in your monthly salary.
- If you have 14 payments, the monthly net amount will be slightly less, but you will receive two additional salary deposits (normally in June and December). Our tool allows you to adjust this parameter so you can see your true monthly budget.
Does the calculator account for deductible expenses?
The standard calculator estimates net salary based on income tax retentions and general social security contributions. However, there are specific deductions (such as union dues or donations) that do not tend to appear in your monthly salary, but are adjusted for when filing your annual tax return.