PUBLIC BETA: everything is free until October 25, 2026. Join now for 50% off forever. Free until 25 Oct, then 50% off

Your Social Security cost in 2026

Autónomo Social Security calculator

  • See what you will pay each month
  • ... whether paying in more would make sense
  • ... how much you would receive in sick pay and pension

Store your data in your browser?

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.

Euros Hints
Insert here all the income from your autónomo activity (before taxes) in the calendar year you want to do the calculation for.

If you have a regular job and are working as an autónomo alongside (pluriactividad), this tool may not provide accurate results for you.

 Hints
All your yearly tax-deductible business expenses EXCEPT:

  • - any taxes
  • - social security payments

Remember to include only expenses from your autónomo business, not personal deductions you can apply to your income tax like private health insurance.

Your expense scenarios

No scenarios yet. Build one in the cost of being autónomo calculator or in the pricing simulator, and it will appear here.

Hints
Autónomo payments rise yearly, set a couple of years in advance based on a complex negotiation process between state institutions and autónomo lobbying groups.

This is why it is important to choose the correct year for the calculation.

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.

 Hints
Choose a discount scheme if you know you are eligible for it. Most of these have to be actively applied for and come with many conditions - do not just assume you are eligible. One assumption is fairly safe though: if you're just starting as autónomo for the first time, you're most likely eligible for the first-year 80 Euro flat rate.
Hints

Normal is most people: you work for yourself and invoice your clients.

Autónomo societario: you are an administrator or a controlling partner of an S.L. You have a 3% generic deduction instead of 7% and a minimum contribution base of 1,424.40 euros (2026), regardless of how much you earn.

Autónomo colaborador: you are the spouse or a relative of an autónomo and work in their business. You have the same minimum contribution base of 1,424.40 euros and the ordinary 7% deduction. Enter the gross salary the business pays you as your income, and no expenses: they are the business's, not yours.

months Hints
If you start or stop mid-year, enter the number of months you will actually be registered as autónomo this year. The yearly total scales accordingly.
Hints
Optional, and it changes none of the figures. If you tell us the year you registered as autónomo, the pension estimate under "what you get" also shows the year you would reach each level, under today's rules.

Use at your own risk. Not professional advice. Not affiliated with Seguridad Social, AEAT, or any other public institution. These tools were very carefully built and tested, but they can contain errors. Some less common rules and special cases are not covered. Before making any life-changing decisions, confirm with a professional.

Related tools

Regulari­zación calculator

Already paying? Find out whether you're paying the right amount:

0 287

Autonomos in Spain are required to pay a monthly contribution into the state social security system.

In return, they earn access to the state healthcare system, a claim to modest sick pay, eventually a modest pension, and invalidity benefits .

How much you have to pay is guided by your yearly earnings. Your earnings fall into a specific bracket that has a minimum and maximum. See the Social Security brackets for 2026.

You can voluntarily choose to pay in more up to the maximum amount to increase what you get back.

This calculator helps you find out how high you should set your monthly contribution and what you can expect in return.

Seguridad Social have no way to see how much you're currently earning. Therefore, the amount that you pay every month is based on your estimate of how much you will earn this year, and should be treated as a pre-payment rather than a fixed amount.

Once Seguridad Social know how much you have earned from your yearly income tax return, a process called regularización starts: how much you paid and how much you really owe is calculated, and you may receive an additional bill, or receive money back.

This process typically happens in the year after you have handed in your tax return. For example, the tax return for 2025 was due in June 2026, and we can expect the regularización some time in early 2027.

To estimate your regularización, we have a specific tool: the Social Security Regularización Calculator.

Give private feedback

You will be asked to sign in before the comment is posted.

  1. Pekka Nikolaus

    There are social security calculators out there, but I don't think there's one that is quite detailed. You can adjust contributions and see what you would really be getting, as well as an estimate of your pension, even though I imagine the rules around that might change before most of you enter pension age. Give it a try and let me know how it works for you!

autónomotools

Sign in to comment

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.

Permanent discount for beta testers

Become an Autónomotools member during the public beta, receive 50% off the price of membership forever.

Permanent discount for early adopters

Become an Autónomotools member now, receive 25% off the price of membership forever.

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.