Spanish IRPF calculator
Rough estimate of annual Spanish income tax (IRPF) and per-pay withholding. Simplified model using average combined brackets.
This tool is indicative only. Read the FAQs and Notes below. Please validate rates, allowances and deductions with your bank, advisor or the Tax Agency.
Results
Estimated taxable base: –
Estimated annual IRPF: –
Effective rate on gross: –
Estimated withholding per pay: –
Important notes
- We use a combined (state + regional) bracket schedule: 19%, 24%, 30%, 37%, 45%, 47% as a common reference. Regions may set different scales.
- We do not cover every personal situation (age/disability/large family/home, etc.). Adjust the personal/family allowance and other reductions fields accordingly.
- Payroll withholding is an advance payment towards your final IRPF liability (settled in the annual return).
FAQs
How are IRPF brackets applied?
We apply a combined (state + average regional) schedule: 0–12,450€ 19%; 12,450–20,200€ 24%; 20,200–35,200€ 30%; 35,200–60,000€ 37%; 60,000–300,000€ 45%; over 300,000€ 47%. Regions may change this.
Withholding vs. final tax?
Payroll <em>withholding</em> is a prepayment made by your employer. The <em>final tax</em> is determined in the annual return after allowances/deductions and may differ.
What allowances/reductions can I include?
There is a general personal/family allowance; you may also have pension plan reductions or others depending on rules and your region. Enter indicative amounts.
Does this work for self-employed?
No. It is aimed at employment income, not quarterly payments or professional withholdings.
Why can results differ?
Regions set their own scales and your personal benefits change your base. Use this as a reference and validate professionally.