The quick answer
The quick answer
A freelancer invoicing €2,500 a month in Spain with 10% business expenses keeps an estimated €1,606 a month after a €360 cuota and 15% IRPF as a new autónomo — about €19,272 a year. Change the numbers above and the calculator re-computes instantly. This is an estimate only — not tax advice — built on Seguridad Social 2026 brackets and AEAT IRPF rules, simplified as explained below.
Trust block: Researched by ExpatMoneyEU Research Team · Last updated 4 November 2026 · Data: Seguridad Social autónomo brackets 2026 + AEAT IRPF rules 2026 (simplified estimate — verify with the official bodies before filing).
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Use the calculator
Spain Autónomo Net Income Calculator — November 2026 (estimate)
Enter your monthly invoiced income. The calculator estimates your monthly autónomo cuota (Seguridad Social) from the 2026 income brackets, deducts business expenses, applies IRPF at 15% for new autónomos (first 3 years) or 20% otherwise, and shows your estimated net. Estimate only — not tax or financial advice.
Estimated monthly cuota: €360 | Estimated monthly IRPF: €284 | Estimated net per month: €1,606
Estimated net per year: €19,272
The cuota is estimated from your annual net income bracket (Seguridad Social 2026 brackets, simplified — see the table below). Actual cuota depends on your declared income bracket and any bonuses (for example the tarifa plana for new autónomos, which this calculator does not apply — check eligibility with Seguridad Social). IVA is charged to clients on top of your fees and is not income; it is excluded here.
Worked example (static, so search engines see real numbers): €2,500 a month invoiced, 10% expenses (€250) → net income €2,250 → cuota bracket €360 a month → taxable €1,890 → IRPF at 15% = €284 (rounded) → estimated net €1,606 a month, €19,272 a year. With 20% IRPF instead, the same freelancer keeps about €1,512 a month. These are illustrative figures from the calculator's simplified method, not a tax filing.
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What this calculator does
This calculator answers one question for anyone freelancing in Spain: after the mandatory autónomo cuota (your Social Security contribution) and IRPF (income tax), what do you actually keep from each invoice? Spain's autónomo system moved in 2023 to income-based cuota brackets: your monthly cuota depends on your annual net income band, not a flat fee (except for the tarifa plana reduction for eligible new autónomos, which this calculator does not apply). IRPF for autónomos is normally paid quarterly through Modelo 130 at 15% for new autónomos in their first three years and 20% otherwise, reconciled in the annual return. The calculator combines those two deductions with your business expenses to give a monthly and annual net estimate in seconds.
→ Spain net salary calculator — the employee equivalent of this tool
How to use it (4 steps)
- Enter your average monthly invoiced income (before IVA — IVA is charged to clients on top and is not your income).
- Enter business expenses as a percentage (rent share, software, phone, travel — the costs you deduct).
- Choose whether you are a new autónomo (15% IRPF) or established (20% IRPF).
- Read your estimated cuota, IRPF and net — then use Copy link to this result to save or share the exact inputs.
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The formula, with every variable explained
Net per month = (Invoiced − Expenses) − Cuota − IRPF, where Cuota = the Seguridad Social monthly amount for your annual net-income bracket (table below), Expenses = Invoiced × Expense %, and IRPF = (Invoiced − Expenses − Cuota) × 15% (new autónomo) or 20% (established). Example: €2,500 invoiced, 10% expenses → €2,250 net income; bracket cuota €360; taxable €1,890; IRPF at 15% = €283.50; net €1,606 a month. The formula deliberately excludes IVA (client money, not income), the tarifa plana reduction, and regional deductions — all three can move your real bill, which is why the result is an estimate, not a filing figure.
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Rate tables used by the calculator
| Annual net income band (monthly equivalent) | Estimated monthly cuota 2026 (simplified) |
|---|---|
| Up to €670 a month | €200 |
| €670 – €900 | €220 |
| €900 – €1,167 | €260 |
| €1,167 – €1,300 | €290 |
| €1,300 – €1,700 | €294 |
| €1,700 – €1,850 | €320 |
| €1,850 – €2,030 | €340 |
| €2,030 – €2,330 | €360 |
| €2,330 – €2,760 | €400 |
| €2,760 – €3,190 | €440 |
| €3,190 – €3,670 | €480 |
| €3,670 – €4,150 | €520 |
| Above €4,150 | €590 (cap band) |
Simplified from the Seguridad Social autónomo bracket system (Real Decreto-ley 13/2022 framework, 2026 tables). The official tables carry more bands and annual revisions; this calculator groups neighbouring bands where the cuota is identical or near-identical, and the result is an estimate. IRPF: 15% for new autónomos in their first three years, 20% otherwise (AEAT Modelo 130 framework).
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How we built it: methodology
How we compared and calculated
Official sources: Seguridad Social autónomo contribution brackets 2026 (Real Decreto-ley 13/2022 framework) and AEAT IRPF rules for autónomos (Modelo 130, 15% new / 20% established). Method: the calculator applies the simplified bracket table above to annualised net income (invoiced minus expenses), then applies the IRPF rate to income after cuota. What is simplified: neighbouring official bands are grouped, the tarifa plana is not applied, regional deductions and personal allowances are excluded, and IVA is excluded as client money. Figures are illustrative estimates — verify with Seguridad Social and AEAT, or a gestor, before filing. This page is educational and not tax or financial advice.
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Practical tips before you set your rate
- Price for the net, not the gross: a €3,000 invoice is not €3,000 of income — social charges and tax come first, and this calculator shows the gap plainly.
- Keep a buffer: freelancers should hold back a percentage of every invoice for quarterly tax payments, so a big bill never arrives as a surprise.
- Re-run it quarterly: income changes move you between brackets, so re-run the calculator whenever a big contract starts or ends.
- Verify with the official body: rates and brackets change annually — check the official source named below before filing anything.
→ German freelance tax for expats — the German freelance equivalent
What to watch in 2027
Rates, brackets and thresholds are revised annually — re-check the official tables each January before relying on last year's figures. New freelancer and micro-entrepreneur reforms are regularly announced in autumn budgets, so a calculator built on 2026 tables must be re-run, not trusted blindly, in 2027.
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Open accounts for your freelance money
Open Wise Account → Open N26 Account → Open Revolut Account →
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Spain autónomo calculator FAQ
About €1,606 a month as a new autónomo with 10% expenses: €2,250 net income after expenses, minus a €360 cuota and 15% IRPF (about €284) — roughly €19,272 a year. With 20% IRPF the same freelancer keeps about €1,512 a month. Run your exact figure in the calculator above; this is an estimate, not tax advice.
The monthly Social Security contribution for self-employed workers, set by income bracket. Under the 2026 simplified brackets used here it runs from about €200 a month at the lowest incomes to about €590 at the highest band. Your exact cuota is set by Seguridad Social from your declared income bracket — check the official table before filing.
The tarifa plana is a reduced cuota (about €80 a month for the first year) for eligible new autónomos. This calculator does NOT apply it, so new autónomos who qualify will keep more than the calculator shows in year one. Check eligibility with Seguridad Social — it is the single biggest saving available to new freelancers.
New autónomos pay 15% IRPF in their first three years of activity (Modelo 130 quarterly payments); established autónomos pay 20%. The annual tax return reconciles the quarterly payments against your real income, so the calculator's figure is an estimate of the quarterly position, not your final tax bill.
Yes — most autónomos charge 21% IVA to Spanish clients on top of their fees. IVA is your clients' money held for the tax office, not your income, so it is excluded from this calculator. Quarterly Modelo 303 settles the IVA you collected against the IVA you paid on expenses.
Genuinely business-related costs: a share of rent and utilities for a home office, software, phone and internet, professional services, travel for work, and equipment. Keep invoices for everything — AEAT can ask for proof, and undocumented expenses are routinely disallowed.
Autónomo suits steady freelance income and gives full control, but carries the cuota even in quiet months. An umbrella or cooperative suits short or irregular gigs. Compare the cuota plus IRPF here against the umbrella's fee on the same gross — for incomes under about €1,000 a month, the cuota alone can make autónomo status expensive, which is exactly what this calculator reveals.
Quarterly: Modelo 130 (IRPF) and Modelo 303 (IVA) each quarter, plus the annual income-tax return (Renta) the following spring. Set aside a percentage of every invoice for those quarterly bills — the most common freelancer mistake is spending the gross and facing a quarterly bill with no reserve.