Personal income tax calculator

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

Calculate personal income tax (IRPF)

Calculate your tax withholding based on your 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.

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In the first year with the Sabadell Online Account. No fees or conditions. Only until 05/08!

Up to €2,000 for your money with a 2% APR^a (maximum balance €100,000).
€400 for switching over your salary and activating Bizum^a in this account.
Up to €180. We’ll give you 10% cashback on your purchases when you pay with Bizum^a up to a maximum of €15/month (from when you set up the direct salary payment into to the account and activate Bizum).

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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. Promotion valid for Sabadell Online accounts opened between 09/07/2026 and 05/08/2026. 2% APR will be paid on an average combined balance up to €100,000 of the Sabadell Online Account and the Sabadell Savings Accounts of the account holders linked to it for personal purposes. Representative example of total remuneration in one year and in the event of hiring on 31/01/2026 calculated for a joint average monthly balance of €100,000: 2.0001% NIR per annum, 2.0185% APR, €2,000.08 in interest settled during the year. Settlement is paid on a monthly basis and is credited to the Sabadell Online Account on the 15th of the following month (or the first working day before it). Each settlement period comprises one calendar month, except for the initial period, which is from the account opening to the end of the month. After the second year, the current profitability conditions of the account will apply.
In addition, for personal accounts that include a new direct salary deposit of a minimum amount of €1,000 in the account, have Bizum linked to said account and maintain both conditions for 12 months with no interruption, provided that these requirements are still met on the date of payment of the incentive, they will be eligible to benefit from these advantages:

A €400 incentive. The incentive shall be credited monthly (€33.34 gross/month, €400.08 gross/year) for 12 months.
Monthly 10% cashback on the amount of the purchases made with Bizum in the previous month, with a maximum of €15/month (€12.15 net), for 12 months.

Incentives are subject to the current withholding tax. See the terms and conditions of the promotion

here

here .