Financial calculators for Spain — salary, income tax, take-home pay, savings, budgeting, loans, mortgages, and retirement, all in euro.
Effective from 2026-01-01 (current). USES THE NATIONAL REFERENCE SCALE, NOT A SPECIFIC REGION: Spain's 17 Autonomous Communities each set their own regional IRPF component — a worker in Madrid and a worker in Cataluña on identical salaries pay meaningfully different IRPF. This calculator uses AEAT's escala general de referencia (the reference/default combined scale), not any specific Comunidad Autónoma's actual figures.
Gross to Net Salary Calculator
Estimate your take-home pay from a gross salary, using real tax rules where available.
Net to Gross Salary Calculator
Find the gross salary needed to reach a target take-home pay.
Hourly Wage Calculator
Convert an hourly wage into an equivalent annual salary.
Income Tax Calculator
See how real progressive tax brackets add up to your total tax bill.
Take Home Pay Calculator
See your net pay per paycheck, based on how often you're paid.
Savings Goal Calculator
Check whether you're on track to hit a savings target by a set date.
Emergency Fund Calculator
Find your target emergency fund size and how long it'll take to build it.
Monthly Budget Calculator
See what's left over after expenses, and your savings rate.
Loan Calculator
See your monthly payment and total interest on any loan.
Mortgage Calculator
Estimate your monthly payment on a home loan.
Retirement Calculator
Project your savings balance at the age you want to retire.
Example questions people ask about Spain finances — tap one to jump straight to the calculator that answers it.
Understanding your Spanish payslip
Seguridad Social, IRPF, and base liquidable explained simply.
Coming soonHow Spain's regional tax scales work
Why the same salary pays different tax in Madrid vs. Cataluña.
Coming soonBuilding an emergency fund in Spain
How much to save, and where to keep it, for Spanish households.
Coming soonYes — the Income Tax and salary calculators use the real 2026 IRPF reference scale (19%–47%, per AEAT's escala general) and the employee Social Security contribution (≈6.48%), mathematically equivalent to applying the official rates to your actual base liquidable — see the methodology note in the FAQ below.
