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Autónomo
regulari­zación
calculator

Estimate whether your year will end with a Social Security refund or a bill.

This calculator works best for years in which you have received no discounts, and been registered for the whole year. For years in which you were on the tarifa plana, off sick for longer than 2 months, have taken extended breaks, or enjoyed some of the other discounts, take results with a grain of salt, as an estimate.

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For your convenience, we can store the data you entered in your browser for future calculations.

The data saved this way stays in your browser. Do not use this if on a shared computer. You can turn this off and delete all data using the "Save data on device" link in the footer.

See more in our privacy policy.

This will be a members-only feature

It is free to use without a membership until October 25, 2026. You will be able to download your data without having to become a member.

Hints

Select the year you want to find out about. Social Security "regularizes" a year once the tax office has told them what you really earned - typically in the summer of the following year.

Social Security
discounts

Pick one if you know you qualify. Most of these have to be applied for, and none of them are granted automatically.

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Hints

Tarifa plana, cuota cero and the rest are taken into account here: their months are priced by their own rules, and the law keeps most of them out of the regularización altogether.

Pick the one that ran during the year you are calculating, then say how many of its months you had already used, because that is what decides whether the year is settled at all.

Hints

Autónomo societario, if you are self-employed through a company you control: it changes the generic deduction from 7% to 3% and puts a floor under your contribution base, so both halves of this calculation move.

Autónomo colaborador, if you are the spouse or a relative of an autónomo and work in their business: the same floor under the base, the ordinary 7%. Your income is the gross salary the business paid you, and you have no expenses of your own.

Hints

Did you take more than a month of baja (meaning you didn't pay autonomous contributions or were sick for longer than 2 months)?

This will confuse the calculation and make it unreliable because the rules that govern breaks are extremely difficult to calculate programmatically.

Choose a way to find out your earnings

Earnings counted for the year: €24,000.00

From my quarterly Modelo 130 submissions

Hints

Pick the last quarter you filed a Modelo 130 for in the year you are calculating. The form is cumulative: its boxes hold everything since 1 January, not just that quarter, so the latest form is the only one you need.

Hints

Box 01 is the first box of section I of the Modelo 130, Ingresos computables correspondientes al conjunto de las actividades ejercidas. Copy it exactly as it stands: it is your income from 1 January to the end of that quarter, without VAT.

The box is the same whether you are in estimación directa normal or simplificada.

Choose a way to find out your expenses

Expenses counted for the year: €8,000.00

From my quarterly Modelo 130 submissions

Hints

Box 02 sits right under box 01 on the same Modelo 130. Copy it exactly as it stands. It already contains the Social Security you paid and the 5% for hard-to-justify costs, and the calculator counts on both being in there.

The box is the same in estimación directa normal. There is no 5% there, and the calculator does not add one.

Social Security contributions you paid

Paid for the year: €0.00, for 12 months registered

Enter one amount

per year Hints

Everything that left your account for your own cuota that year, before any refund.

Note that the regularización payment for the previous year does not count towards this total!

Hints

Months you were signed up as autónomo that year. It decides which tramo your income puts you in, because your income is spread over the months you were registered.

Be careful to only pick the payment for the current year and not a regularización for the previous year

Your cuota is taken from your bank account by direct debit, usually on the last working day of each month. Search your bank statements for that year and add the twelve payments up.

The debit typically carries a caption such as TGSS, Tesorería General de la Seguridad Social, TGSS Cotización 005 R.E.T.A. or Seguridad Social autónomos, depending on your bank.

These numbers are estimations. This tool can make mistakes and cannot account for all individual circumstances. For definite numbers, consult a tax professional.

The final Social Security bill for Autónomos in Spain depends on their exact earnings as determined in the yearly tax return.

During the year, they are expected to estimate how much they will probably earn, and set their contribution accordingly.

Seguridad Social then does the final reckoning for the year, called regularización.

This can take another year: the regularización for 2024 was mailed to people in spring of 2026.

This calculator allows you to see where you stand, whether you can expect a bill or a refund for a given year, or to adjust the current year's payments so you don't have to worry about a huge bill in the future.

This calculator works best for years in which you have received no discounts, and been registered for the whole year.

For years in which you were on the tarifa plana, off sick for longer than 2 months, have taken extended breaks, or enjoyed some of the other discounts, take results with a grain of salt: treat them as an estimate rather than a guaranteed number.

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MEI (Mecanismo de Equidad Intergeneracional)

MEI is an extra Social Security contribution that funds the state pension reserve. In 2026 it is 0.90% of your contribution base, paid in full by the self-employed. It rises 0.1 points a year to 1.2% in 2029 and buys you no additional pension rights.

SMI

The Salario Minimo Interprofesional (SMI) is the Spanish minimum wage. It gets adjusted every year.

The SMI is currently €17,094.00 per year.

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IVA

Because our products are for Autónomos, who ultimately do not pay VAT (IVA in Spanish), we are displaying prices without VAT, which will be added at checkout.

As an autónomo, you can reclaim it, usually automatically, at the end of the quarter.

If you are a business customer from the EU, you do not pay IVA if you enter a valid VAT ID.

If you are a business customer from outside the EU, you do not pay VAT in any case.