What is the difference between gross and net salary?

Gross salary is your total compensation before deductions. Net salary is what you actually receive after income tax and social security contributions are deducted.

Why does Spain have 14 payments?

Many Spanish employment contracts include two extra monthly payments (pagas extraordinarias) in June and December. The annual salary is the same — it's just divided into 14 instead of 12 payments.

How much social security do I pay in Germany?

German employees pay roughly 21% of gross salary for social security, covering health insurance (7.3% + supplementary), pension (9.3%), unemployment (1.3%), and long-term care (1.7%). There are income caps on these contributions.

Is this calculator 100% accurate?

This calculator provides a close estimate using current tax brackets and social security rates. Actual deductions may vary based on your specific situation (regional taxes in Spain, tax class in Germany, church tax, etc.).

Gross to Net Salary Calculator

Find out exactly how much of your gross salary you take home after taxes and social security contributions in Spain or Germany.

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Salary details

Annual gross salary (€)

Payments per year

In Spain, 14 payments includes two extra pays (pagas extra) in June and December.

Your net salary breakdown

Find out exactly how much of your gross salary you take home after taxes and social security contributions in Spain or Germany.

How the gross to net calculator works

Enter your annual gross salary, select your country, and instantly see your net take-home pay after all deductions.

Enter your gross salary

Type your annual gross salary and choose between 12 or 14 payments. In Spain, many workers receive 14 payments (two extra pagas).

Select your country

Choose between Spain and Germany. Each country has different income tax brackets and social security contribution rates.

See your net breakdown

Instantly view your monthly and annual net salary, with a detailed breakdown of social security contributions and income tax by bracket.

Invest the difference

Knowing your exact net salary helps you plan how much to invest each month. Track your portfolio growth with Arfin.

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