The gap is driven by the headline tax structure — no special regime applied. Both countries are indicated in USD at the displayed FX.
| Personal income tax progressive · top 33% | $15,456 |
| Social security 7.6% employee · capped | $4,779 |
| Total deductions | $20,235 |
| Gross income | $100,000 |
| Net take-home | $79,765 |
| Personal income tax progressive · top 47% | $32,396 |
| Social security 6.3% employee · uncapped | $6,350 |
| Total deductions | $38,746 |
| Gross income | $100,000 |
| Net take-home | $61,254 |
| Instrument | Canada · USD | Spain · USD | Δ (ES − CA) |
|---|---|---|---|
I. Personal income tax | |||
Personal income tax CAprogressive · top 33%ESprogressive · top 47% | $15,456 | $32,396 | +$16,939 |
| subtotal · personal income tax | $15,456 | $32,396 | +$16,939 |
II. Mandatory social security & health | |||
CPP 5.95% to $71,300 + CPP2 4% to $85,000 + EI 1.64% to $65,700. Combined modeled at upper cap. CA7.6% · capped C$85,000ES— | $4,779 | — | −$4,779 |
~6.35% of gross, capped (cap value not in source). CA—ES6.3% · uncapped | — | $6,350 | +$6,350 |
| subtotal · mandatory social security & health | $4,779 | $6,350 | +$1,571 |
| Total deductions | $20,235 | $38,746 | +$18,511 |
| Effective rate | 20.2% | 38.7% | 18.5 pp |
| Gross income | $100,000 | $100,000 | — |
| Net take-home | $79,765 | $61,254 | −$18,511 |
Table 1 · Statutory deductions, single-filer remote worker, FY2026 indicative. All amounts in USD. n/a where instrument does not apply. | |||
| PPP basis · NYC = 100 | Canada | Spain | Δ |
|---|---|---|---|
Cost-of-living index Indicative · placeholder until COL table ships | 72.0 | 60.0 | -12.0 pts |
Nominal net (annual) From the engine — exact | $79,765 | $61,254 | −$18,511 |
| Real net · Spain basket | $66,471 | $61,254 | −$5,216 |
Every line above can be traced to a primary instrument. We publish the model; you may toggle its parameters.
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