Updated for 2026

See what you keep as an autónomo in Spain.

For self-employed workers in Spain. Enter what you bill and we handle the cuota, the IRPF and your deductions, then show the number that actually reaches your account.

Official 2026 Seguridad Social & AEAT figures
Every euro accounted for — net, cuota, IRPF
Free, no sign-up, updates live as you type
More personal & family detail (optional, improves accuracy)+
You take home, after everything
€0
per month · €0/year
Effective rate
0%
Cuota / mo
€0
Bracket

Estimate only, not tax advice. Figures update live as you type.

Where your billing goes

The same estimate, broken down so you can see exactly what each slice of your invoicing turns into.

Breakdown

on €0 invoiced
Net take-home€0
Cuota de autónomo€0
Deductible expenses€0
IRPF (income tax)€0
2026 figuresSeguridad Social + AEAT
15 bracketsCuota with 0.9% MEI
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How it works

Three numbers in, your real take-home out. Here's what happens in between.

01

You enter what you bill

Your annual invoicing and deductible expenses. Pick your region and the IVA rate you charge clients.

02

We apply the 2026 rules

Your cuota de autónomo by income bracket (with the 0.9% MEI), the generic deduction, and combined state + regional IRPF.

03

You see your net

What actually lands in your account, monthly and yearly, plus your effective tax rate and a full breakdown.

Think you're overpaying?

Most do. They miss deductions a good gestor would catch. Get matched with an online gestoría from €29/month.

Compare gestorías →

Questions, answered

What people moving to Spain ask most about going self-employed.

Do I need an NIE and digital certificate to be autónomo? +
In practice yes. Your NIE is your foreigner identification number, and a digital certificate (or Cl@ve) lets you register and file online with Hacienda and Social Security. Non-EU citizens also need a residence permit that authorises self-employment.
Why does my region change my take-home? +
Spanish income tax has a national part plus a regional part each community sets, so the same income gives slightly different tax in Madrid, Cataluña or Andalucía. All 17 common-regime regions are built in — compare them on the regions page.
What is the Beckham Law? +
A special regime that can let qualifying new arrivals to Spain be taxed at a flat rate on Spanish-source income for up to six years. It can be favourable but has strict conditions — worth checking with a professional before you register under the standard regime.
I have clients abroad — how does that work? +
Foreign clients don't apply Spanish retención, so that income usually flows through the quarterly modelo 130 instead. If you're a Spanish tax resident you generally declare worldwide income, with double-taxation treaties to avoid being taxed twice.
Is this official or tax advice? +
No. freelancetaxhelper is an independent tool, not affiliated with the Agencia Tributaria or Seguridad Social. It gives a close estimate of the Spanish side to help you plan; for residency and cross-border matters confirm with a gestor or asesor fiscal.
Reviewed for accuracy

Pending professional review

Last reviewed

May 2026

Figures for

2026