Spain · 2025
Spain Social security calculator
Estimate the Spanish social security contributions (cotizaciones a la Seguridad Social) that come out of an employee paycheck over a year, under the general regime for an indefinite contract. This is the worker side only: the employer pays a much larger share on top, which is not deducted from your salary.
| Annual gross salary | 30.000,00 € |
| Contribution base used | 30.000,00 € |
| Ordinary contributions (6.48%) | -1944% |
| Total employee social security | -1944,00 € |
| Average per month | 162,00 € |
How it works
- The worker contribution is 6.48% of the contribution base: contingencias comunes 4.70%, desempleo 1.55% (indefinite contract), formacion profesional 0.10% and MEI 0.13%.
- The base is your gross salary including the prorated extra payments (pagas extra), with a ceiling. For 2025 the base maxima is 4,909.50 EUR per month, i.e. 58,914 EUR per year. Pay above the ceiling is not charged the ordinary 6.48%.
- Pay above the ceiling instead triggers the cuota de solidaridad. The worker bears a small slice of it: about 0.15% on the first stretch above the ceiling, 0.17% on the next and 0.19% on the highest.
- FOGASA (0.20%), accident cover (AT/EP) and the larger company rates are paid by the employer and never deducted from the worker, so they are not included here.
Worked example
An employee on an indefinite contract earning 24,000 EUR gross per year (2,000 EUR/month) is below the ceiling, so the contribution is 6.48% of 24,000 = 1,555.20 EUR per year, about 129.60 EUR per month withheld for social security.
Frequently asked questions
Does this include income tax (IRPF)?+
No. This is social security only. IRPF withholding is separate and depends on your personal and family circumstances; use the net salary calculator to see both together.
What about a temporary contract?+
On a temporary (duracion determinada) contract the unemployment rate for the worker is 1.60% instead of 1.55%, giving a total of 6.53% rather than 6.48%. This calculator assumes an indefinite contract.
Why is the employer cost so much higher?+
The employer pays roughly 30% or more (contingencias comunes 23.60%, desempleo 5.50%, FOGASA 0.20%, formacion 0.60%, MEI 0.67% plus the activity-based accident tariff). That is a cost to the company, not a deduction from your gross pay, so it is excluded here.
My salary is above 58,914 EUR. Is my contribution capped?+
The ordinary 6.48% stops at the base maxima of 58,914 EUR per year, so the bulk of your contribution is capped. Earnings above the ceiling instead pay the small cuota de solidaridad, which this calculator adds on.
Sources
- BOE - Orden PJC/178/2025, de 25 de febrero (normas de cotizacion 2025): contingencias comunes, MEI, topes, cuota de solidaridad · Boletin Oficial del Estado
- Seguridad Social - Cotizacion/Recaudacion de Trabajadores: bases y tipos de cotizacion (Regimen General) · Tesoreria General de la Seguridad Social
Last updated: 2025-02-26 · Applies to 2025
This is an estimate for general guidance, not financial, tax, legal or medical advice. Figures can change and individual circumstances vary. Always confirm with the official sources listed before making decisions.
- General regime (Regimen General), indefinite contract, worker side only.
- Assumes the contribution base equals gross pay including prorated extra payments, between the group minimum and the base maxima; it does not floor at the group minimum.
- Excludes the employer contributions, FOGASA, AT/EP and IRPF. The cuota de solidaridad is included for pay above the ceiling.
Reviewed by Vikas Dulgunde.