Marta in Madrid
Ein Beispiel zum Stundensatz-Rechner
Marta has just registered as an autónoma. She wants 2.000 € a month left over for herself, after the tax office and social security have taken their share. She works a six hour day, five days a week, and reckons about seven hours in ten are work she can actually put on an invoice.
| Wants to keep | 2.000 € a month, net |
|---|---|
| Business expenses | 6.000 € a year |
| Working day | 6 hours, 5 days a week |
| Billable | 70 % of that |
| Time off | 22 days holiday, 12 bank holidays, 5 sick |
| Tarifa plana | Entitled to it, but not entering it in the calculator |
| Comunidad | Madrid |
To keep 2.000 € a month she has to invoice 40.147 € over the year: her own money, plus 6.000 € of expenses, plus 5.127 € of social security, plus IRPF on top of all of it.
After the holidays, the bank holidays, the sick days and the three hours in ten that go on quotes, invoices and email, she has 928 hours left to bill.
Her rate: 43,25 € per billed hour.
One discount she leaves switched off. As a new autónoma she is entitled to the tarifa plana for her first year, 88,56 € a month to social security instead of 427,21 €, and with it turned on the calculator answers 38,87 € an hour. She does not want that number. It is a first-year rate, and a year from now she would have to put it up in front of clients who had already agreed the lower one.
So she quotes the rate that works without the discount and puts the difference away: about 4.064 € over the first year. What an autónoma can count on from the state when the work dries up is thin, and that money is the nearest thing to a cushion the first year offers.