Thinking of going self-employed in Spain? Use this free calculator to see exactly what you’ll keep after social security (cuota de autónomo), income tax (IRPF), and quarterly payments. Enter your expected revenue and expenses to get a full breakdown.
The calculator covers the 2025/2026 income-based social security quotas, the tarifa plana for new autónomos, quarterly Modelo 130 and Modelo 303 obligations, and the 7% simplified estimation deduction.
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.
Total invoiced to clients before expenses, excluding IVA
Rent, software, equipment, coworking, travel, accountant, etc.
⚙️ Your Situation
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)
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.
Sources: Agencia Tributaria (agenciatributaria.es), Seguridad Social (seg-social.gob.es). Last updated: March 2026.
More Free Tools for Expats in Spain
Everything is free — no signup required.
📈
Spain Income Tax Calculator
Calculate your Spanish income tax — employment, self-employed, and Beckham Law comparison.
🏙
Cost of Living Calculator
Compare monthly costs across 14 Spanish cities for your household and lifestyle.
🏠
Spain Mortgage Calculator
Monthly payments, ITP tax, notary fees, and total upfront costs for buying property.
✅
NIE / TIE Document Checker
Personalised checklist of documents to bring to your NIE or TIE appointment.
📝
Immigration Forms — English Translations
Field-by-field English translations of EX-15, EX-17, EX-18 and Modelo 790 forms.