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Spain’s average income per capita has increased every year since 2014, when the Sovereign Debt Crisis caused a recession. In 2025, the figure amounted to * euros after taxes, up from * euros the previous year. Though this is the highest level to date, the increase is only slightly faster than inflation.

Age and regional differences

The net income per person broken down into age groups shows that young workers, aged between 16 and 29, earn around euros less annually than the national average and more than euros below the average income of workers above **. This is to be expected, as workers gain experience and expertise as they age. However, regional differences are more remarkable. In the autonomous community with the highest average annual net income, the Basque Country, that figure exceeded * euros in 2025, while Murcia, which ranked as the region with the lowest average income, registered an average of approximately * euros per that year.

Disposable income

The income remaining after taxes and social security charges are deducted is known as disposable income. As of 2025, household savings as a share of total disposable income in Spain were forecasted to stand at **** percent. However, savings in relation to disposable income are expected to diminish in the following years. During the last decade, and particularly throughout the Spanish Sovereign Debt Crisis, the country’s households suffered from high rates of indebtedness in relation to gross disposable income. At the peak in 2013, the indebtedness ratio, the ratio of debt to annual income, exceeded *** percent. The ratio has since decreased and stood at percent in the third quarter of 2025.