Spain Autónomo Calculator 2026 | Self-Employed Costs & Take-Home Pay

Spain Autonomo Calculator 2026

See exactly what you keep as a self-employed freelancer in Spain

💰 Your Income

How this works: Enter your expected annual revenue (what clients pay you) and your deductible business expenses. The calculator will show your social security quota, IRPF income tax, quarterly tax payments, and real take-home pay.

Annual Gross Revenue (Facturacion)

Total invoiced to clients before expenses, excluding IVA

Annual Deductible Expenses

Rent, software, equipment, coworking, travel, accountant, etc.

⚙️ Your Situation

Autonomous Community

Number of Children

New autonomo (tarifa plana)

EUR80/month flat rate for your first 12 months as self-employed in Spain

Apply 7% reduccion gastos de dificil justificacion

Standard 7% deduction on net income for hard-to-justify expenses (estimacion directa simplificada)

IVA Rate You Charge Clients

Standard is 21%. Some activities use 10% (reduced) or 0% (exempt/intra-EU).

📊 Your Autonomo Breakdown

Estimated Annual Take-Home Pay
EUR0
EUR0 / month

Social Security (Cuota)

EUR0

EUR0 / month

IRPF Income Tax

EUR0

0% effective rate

IVA Collected from Clients

EUR0

Passed through to Hacienda quarterly

Total Tax Burden

EUR0

0% of net income

📅 Your Quarterly Tax Payments

As an autonomo, you must file Modelo 130 (IRPF quarterly payment) and Modelo 303 (IVA declaration) every quarter. Here is what to expect:

📋 Detailed Breakdown

Item	Annual Amount

Disclaimer: This calculator provides estimates based on 2025/2026 Spanish tax law. Actual costs depend on your specific circumstances, deductible expenses, and applicable regional rules. The quarterly IRPF payment (Modelo 130) uses the standard 20% method. Your final annual IRPF may differ after applying all deductions and allowances. IVA is not a cost to you (it is collected from clients and paid to Hacienda), but it affects your cash flow. For precise calculations, consult a qualified Spanish tax advisor (asesor fiscal) or gestor.

Sources: Agencia Tributaria (agenciatributaria.es), Seguridad Social (seg-social.gob.es). Last updated: March 2026.