What will I actually keep?
Enter yearly figures. Results update instantly and stay on your device.
Set aside — of every invoice for tax & social security.
These figures are estimates based on 2026 general rules (reference regional IRPF scale, simplified direct estimation, no other income or family deductions). Your real tax depends on your region and situation. Check with a qualified gestor or the Seguridad Social / Agencia Tributaria.
How it works
- Social security. (Income − expenses) × 93% ÷ 12 gives your monthly net for the RETA band. Quota = band's minimum base × 31.5%.
- Income tax. Profit after the quota, minus 5% hard-to-justify expenses (max €2,000), taxed on the progressive scale (19%–47%) minus the €5,550 personal allowance.
- Cash flow. Withholdings by Spanish clients and quarterly Modelo 130 payments are advances; the annual return settles the difference.
Questions
How is the autónomo quota calculated?
Your yearly income minus deductible expenses, minus a 7% generic deduction, divided by 12, places you in one of 15 bands. Each band has a minimum contribution base; the quota is that base × 31.5% in 2026.
What is Modelo 130?
A quarterly advance payment of income tax: 20% of your cumulative profit minus withholdings and previous payments. You can skip it if at least 70% of your income already had IRPF withheld by Spanish clients.
Why is my real IRPF different?
Regional scales, other income, family allowances and the reduction for low activity income change the result. We use the reference scale so you see a realistic order of magnitude.