What you actually take home in Valencia
Three resident tax regimes apply in Spain depending on your visa and work setup. Plug in a gross annual income and we estimate net take-home under each, using 2026 Comunidad Valenciana IRPF brackets, the post-2023 autonomo cuota table, and the Beckham flat tariff.
Use your Spanish-source gross before tax and social security. Slider caps at 250k; type to go higher.
Regular IRPF (resident)
Work out your Spanish net pay after IRPF and social security, as a local employee, an NLV holder or a DNV holder outside Beckham Law. Calculate now.
Net monthly
€2,980
€35,765 / net annual
- Income tax (IRPF)
- €10,985
- Social security
- €3,250
- Effective rate
- 28.5%
Beckham Law (inbound expat)
Inbound expat regime under Ley 35/2006 art. 93. Flat 24% on Spanish-source income up to 600k EUR for up to 6 years. Foreign income generally exempt.
Net monthly
€2,896
€34,750 / net annual
- Income tax (IRPF)
- €12,000
- Social security
- €3,250
- Effective rate
- 30.5%
Autonomo (self-employed)
Self-employed regime. Regular IRPF on net income, plus a monthly social-security cuota bracketed by your net earnings under the 2023 reform.
Net monthly
€2,756
€33,076 / net annual
- Income tax (IRPF)
- €10,564
- Social security
- €6,360
- Effective rate
- 33.8%
Estimate, not advice
Uses the 2026 state scale plus the Comunidad Valenciana scale cut by Ley 5/2026, the flat 2,000 EUR employment-expense deduction, the personal and family minimum credited the way Modelo 100 does it, worker social security at 6.5%, the 2026 autonomo cuota table (the 2025 table carried forward) and Ley 35/2006 art. 93 for Beckham. Ignores the low-income employment reduction, foreign-source income exemptions, wealth tax, Modelo 720, deductible business expenses for autonomo, first-year tarifa plana, regional credits and IVA. Always confirm with a gestoria before deciding.
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Official sources
- Ley 35/2006 del IRPF, art. 63 (state scale), 74 (regional cuota) and 93 (Beckham regime) - BOE consolidated text
- Ley 5/2026 de la Generalitat, 31 July 2026 - the 2026 and 2027 Valencian IRPF scales (BOE/DOGV)
- Real Decreto-ley 13/2022 - income-based autonomo contribution system (BOE)
- Seguridad Social - contribution bases and rates for 2026
- Agencia Tributaria - IRPF portal (Modelo 100)