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)
Standard Spanish-resident income tax. Applies to local employees, NLV holders with passive income, and DNV holders who do not opt into Beckham.
Net monthly
€2,984
€35,811 / net annual
- Income tax (IRPF)
- €10,949
- Social security
- €3,240
- Effective rate
- 28.4%
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
€2,897
€34,760 / net annual
- Income tax (IRPF)
- €12,000
- Social security
- €3,240
- 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
€2,814
€33,770 / net annual
- Income tax (IRPF)
- €9,750
- Social security
- €6,480
- Effective rate
- 32.5%
Estimate, not advice
Uses public 2026 Comunidad Valenciana IRPF brackets, the post-2023 autonomo cuota table, and Ley 35/2006 art. 93. Ignores 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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