All articles Adjusting the cuota de autónomos: what if you earn more or less 5 November 2026 · Self-employed (autónomos) How Spanish Social Security adjusts your cuota to your real income, when you get money back and when you have to pay the difference. Why your Spanish tax return ends up owing 2 November 2026 · Personal finance The most common reasons your renta ends up owing: two payers, low withholding, changes of region or situation, and how to avoid it. Tax residence: which region you pay IRPF in 31 October 2026 · Taxes by region How your region for IRPF purposes is decided in Spain, what happens if you move mid-year, and why registering at an address (empadronamiento) is not enough. The minimum-wage deduction: why some salaries pay no IRPF 29 October 2026 · IRPF, income tax The IRPF deduction for salaries close to the Spanish minimum wage (SMI) in 2026: who gets it, how much it is worth and how it combines with other reductions. Autónomo or employee: how much you keep in each case 27 October 2026 · Self-employed (autónomos) We compare the net income of an autónomo and an employee on the same gross amount in Spain in 2026, and explain why the autónomo usually keeps less. MEI and the solidarity contribution: Spain's new contributions in 2026 25 October 2026 · Payslips and employees What the intergenerational equity mechanism (MEI) and the solidarity contribution are, what employees pay in 2026 and who they affect. How to plan your extra payments (pagas extra) 23 October 2026 · Personal finance What to do with the June and December extra payments in Spain: how much they are net, why they can look smaller than expected and how to split them. How regional IRPF scales work in Spain 21 October 2026 · Taxes by region Why each Spanish region has its own half of IRPF, how it combines with the state scale and what makes some regions charge more than others. The work-income reduction: relief for lower salaries 19 October 2026 · IRPF, income tax How the work-income reduction (reducción por rendimientos del trabajo) works in 2026, which salaries it applies to and how much it cuts their IRPF. Modelo 130: how quarterly IRPF payments work 17 October 2026 · Self-employed (autónomos) What modelo 130 is, who must file it, when it is due and how the quarterly 20% of an autónomo's net business income is worked out. Temporary or permanent contract: the net salary difference 15 October 2026 · Payslips and employees How your contract type affects Social Security contributions, IRPF withholding and your net salary in Spain, with 2026 examples. Negotiating salary: think in net, ask in gross 13 October 2026 · Personal finance How to use net salary when negotiating pay or comparing job offers in Spain, and which gross differences are worth it depending on your region. IRPF in Ceuta and Melilla: the 60% deduction 11 October 2026 · Taxes by region How the 60% IRPF deduction for residents of Ceuta and Melilla works, who gets it and how much it raises net pay. Joint or individual tax return: when it pays off 9 October 2026 · IRPF, income tax When a joint Spanish tax return (declaración conjunta) comes out better, how much it lowers the base, and why most two-income couples should file separately. Deductible expenses for autónomos in Spain in 2026 7 October 2026 · Self-employed (autónomos) Which expenses you can deduct as an autónomo, what requirements they must meet, and how they lower both your IRPF and your Social Security cuota. IRPF withholding on your payslip: how it is worked out 5 October 2026 · Payslips and employees What IRPF withholding is, how your employer works it out, why it changes during the year and what to do if too much or too little is withheld. Savings rate: how much of your net salary to save 3 October 2026 · Personal finance What a savings rate is, what share of your net salary to save depending on your goals, and how to work it out from your cost of living. Madrid or Catalonia: how much your net salary changes 1 October 2026 · Taxes by region We compare net salaries in Madrid and Catalonia in 2026 for several gross salaries, as an employee and as an autónomo. Personal and family allowances in IRPF: what is tax-free 29 September 2026 · IRPF, income tax What the personal and family allowance (mínimo personal y familiar) is, how much it adds for age, children and dependants in 2026, and how it lowers your IRPF. The tarifa plana for new autónomos in 2026 27 September 2026 · Self-employed (autónomos) What the €80-a-month flat rate is, who can apply, how long it lasts and how much you save compared with the regular income-based cuota. What Social Security takes from your Spanish payslip 25 September 2026 · Payslips and employees Employee contributions in Spain in 2026: common contingencies, unemployment, training and MEI, the maximum base and how to read that part of your payslip. How much of a pay rise reaches your pocket 23 September 2026 · Personal finance Why a pay rise does not turn fully into net pay, how much you keep of each extra €1,000 depending on your salary, and why moving up a bracket never costs you money. The foral system: how IRPF works in the Basque Country and Navarra 21 September 2026 · Taxes by region Why Álava, Bizkaia, Gipuzkoa and Navarra have their own income tax, how it differs from the rest of Spain and what €30,000 gross leaves in each. Marginal and effective rates: how much IRPF you really pay 19 September 2026 · IRPF, income tax The difference between the marginal and the effective IRPF rate, why you should not fear moving up a bracket, and how much of each extra euro you keep. What net business income (rendimiento neto) is and why it matters 17 September 2026 · Self-employed (autónomos) Rendimiento neto decides an autónomo's cuota and IRPF in Spain. What it is, how it is worked out and how it differs from computable net income. 12 or 14 payments: what changes in your net salary 15 September 2026 · Payslips and employees Being paid in 12 or 14 payments does not change your yearly net salary in Spain, but it does change what you receive each month. Examples inside. How to build a budget around your net salary 13 September 2026 · Personal finance A simple method to split your net salary between fixed costs, variable spending and savings, with the 50/30/20 rule and 2026 examples from Spain. Which Spanish region charges the least IRPF in 2026 11 September 2026 · Taxes by region We compare an employee's net salary on €30,000 gross in every region of Spain in 2026, from the one that leaves the most to the one that leaves the least. IRPF brackets in 2026: the state scale explained 9 September 2026 · IRPF, income tax The state IRPF scale in Spain in 2026, how it combines with the regional scale, and an example of how the brackets apply to a real salary. Cuota de autónomos 2026: brackets and how it is worked out 7 September 2026 · Self-employed (autónomos) How the self-employed Social Security contribution in Spain is worked out in 2026 from your real income, the full bracket table and worked examples. From gross to net salary in Spain in 2026 5 September 2026 · Payslips and employees What comes out of your gross salary before it reaches your account in Spain, step by step with 2026 examples: Social Security, reductions and IRPF.
Categories Self-employed (autónomos) 7 articles What you need to know to work out your take-home pay as an autónomo in Spain in 2026: the income-based cuota, deductible expenses, modelo 130 and the tarifa plana. Payslips and employees 6 articles How to read a Spanish payslip in 2026: Seguridad Social, IRPF withholding, 12 or 14 payments, contract types and the new MEI and solidarity contributions. IRPF, income tax 6 articles A guide to Spanish income tax (IRPF) in 2026: state and regional brackets, personal allowances, marginal and effective rates, reductions and joint returns. Taxes by region 6 articles Which Spanish region charges the least IRPF in 2026, how regional scales work, the foral systems of the Basque Country and Navarra, and Ceuta and Melilla. Personal finance 6 articles How to use your net salary in Spain: budgeting, savings rate, extra payments, pay rises, salary negotiation and why your renta sometimes ends up owing. Work out your case Enter your salary, your region and your personal situation and see how much you take home, step by step.
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