Calcula tu nómina 2026: retención de IRPF, Seguridad Social y neto de cada paga
Estimates only, not financial advice. What you type stays on your device. Checked against sources on 17 Oct 2026.La nómina descuenta la cotización a la Seguridad Social del trabajador, un 6,50 % con contrato indefinido (4,70 % de contingencias comunes, 1,55 % de desempleo, 0,10 % de formación y 0,15 % de MEI) hasta la base máxima de 5.101,20 € al mes, y la retención de IRPF que fija el algoritmo de la Agencia Tributaria según el sueldo, la situación familiar y los hijos. Con 30.000 € en 14 pagas y sin hijos, la retención es del 16,42 % y cada paga ordinaria deja 1.628,50 € netos.
2026 · Rates and rules read from the sources listed on this page (the earliest on 17 Oct 2026); they may have changed since.
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This calculator works out a Spanish employee's payslip (nómina) for 2026: the Social Security contributions and the IRPF withholding rate the employer must apply, following the Agencia Tributaria's published withholding algorithm step by step.
Social Security. The worker pays 4.70% for common contingencies, 1.55% unemployment on a permanent contract (1.60% on a temporary one), 0.10% vocational training and 0.15% MEI, on the monthly base of yearly pay divided by 12, up to 5,101.20 euros. Above that maximum base the 2026 solidarity contribution applies in three steps.
A worked example. 30,000 euros in 14 payments, single: Social Security 162.50 euros a month, base 26,050 euros, cuota 4,926 euros, rate 16.42%, 1,628.50 euros net in each ordinary month and 1,791 in each extra payment.
The rest of the article, and all 6 questions about Spain Payslip Calculator 2026 (Nómina, Retención IRPF), are on the Spain Payslip Calculator 2026 (Nómina, Retención IRPF) page.
For a single employee under 65 with no children on a permanent contract, the Agencia Tributaria's algorithm gives 16.42%. Social Security of 1,950 euros a year and 2,000 euros of other expenses leave a base of 26,050 euros; the scale gives 5,980.50 euros, less 1,054.50 for the personal minimum, a cuota of 4,926 euros.
In 2026 the worker pays 4.70% for common contingencies, 1.55% unemployment on a permanent contract or 1.60% on a temporary one, 0.10% training and 0.15% MEI: 6.50% or 6.55% of the monthly base, which stops at 5,101.20 euros. Above it a small solidarity contribution applies.
Table 1 of the algorithm sets limits below which nothing is withheld: 15,876 euros a year for a single person without children, 16,342 with one child and 16,867 with two or more. With a spouse earning under 1,500 euros the limits are 17,197, 18,130 and 19,262; a single parent has 17,644 and 18,694.
The yearly withholding is the same; it is spread over 14 payments at the same rate. Social Security is charged on 12 monthly payslips with the extra payments prorated in the base, so an extra payment only loses IRPF. On 30,000 euros, each of the 12 months pays 1,628.50 euros and each extra payment 1,791 euros.
Rates and rules change; check the source before you rely on a figure.
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