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Total cost of being autónom@

Get an idea whether becoming self-employed in Spain is viable for you at all.

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.

This is a pro feature

You can test the calculator with values under the minimum wage (€17,100 per year). No limits, no signup required. For values above that, get Pro.

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A year still running is an estimate for the whole of it, not what you have earned so far. A year marked provisional runs on the previous year's figures until its own are published.

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Half of your income tax burden is defined by your comunidad. At 60.000 € of taxable income the difference can reach 4 digits.

If you do not know which comunidad applies, no problem: we will use a standard scale which will still give you a roughly correct idea.

ex. IVA Hints

Enter here how much you expect to charge your customers before taking away any costs or taxes. Excluding IVA (VAT) because that tax is neutral for the autónomo.

Default settings Hints

You can set your income tax details here. If you have activated the 'save data on device' switch, the details will be stored for use everywhere on the site.

The advanced details around family status, dependants etc. are not yet fully tested and don't make that much difference to most cases. If unsure, don't change anything and we use the default case: single, no children, standard tax scale.

Tax settings

These settings have not yet been thoroughly tested in all possible scenarios.

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Children under 25 who live with you or depend on you and earn under 8.000 € a year. No age limit with a disability of 33% or more.

The first is worth about 450 € a year, and each one after that a little more.

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Filing jointly with a spouse reduces your taxable base by 3.400 €. Filing as a single parent reduces it by 2.150 €.

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New autónomos pay tax on 20% less in the first year that shows a profit and the year after. It is the first PROFITABLE year, not the first calendar year: a loss-making start moves the window rather than wasting it.

Leave blank if it was long enough ago not to matter.

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If nearly all your invoices go to one company, you may deduct 2.000 € off your taxable income, and up to 8.498 € if you earn under about 19.750 €. This is the biggest single reduction an autónomo can get, but typically applies only to Spanish clients.

All of these must be true:

  • One client you are not related to, or you are a registered TRADE (economically dependent autónomo).
  • Expenses are under 30% of what you invoice.
  • At least 70% of invoices carry IRPF retención. Spanish companies normally do; clients abroad and private individuals normally do not.
  • You have not received a salary this year beyond 4.000 € of unemployment or pension. Sick pay counts as salary.

Not sure if eligible? Leave it turned off- the worst that can happen is a nice surprise.

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Gross pay from a job, unemployment benefit or a pension received in the same year. It is added to your taxable base, so your business profit is taxed at a higher rate. Common in a first year as autónomo.

Dividends, interest and capital gains are taxed separately and do not belong here. Rental income is taxed in the same base, but this estimate does not include it.

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Only matters from 65, and again from 75. Leave blank if under 65.

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Parents or grandparents who live with you and earn under 8.000 € a year. Each is worth 1.150 € of allowance, and 2.550 € from 75.

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First-time autónomos and those who have not been signed up during the last 2 years are entitled to 12 months of a flat rate of social security contributions instead of a much higher income-based rate. If you start out new, you are usually entitled to this. Conditions apply.

Build your expenses list

Add an expense

What the invoice says, IVA included. Enter it per month or per year, whichever you know, and pick the period beside it.

The IVA inside the amount comes off before anything is added up, because an autónomo who charges IVA gets it back and it is not a cost. If you cannot recover it, or the invoice carries none, pick 0% and the amount is the amount.

The last box is how much of it counts against the tax. Sometimes it may be necessary to only partially deduct an expense. Leave at 100% if unsure.

The categories are the expense boxes of the Renta return, the same ones the libro de gastos records to, so a list kept here maps onto the books. You do not have to pick one: the sums are the same either way.

Clear this list

Remove every line from this list?

Your expense lists

Saving and managing multiple lists is a pro feature.

As a free user, you can maintain one list that is stored locally in your browser.

€0 per month, €0 per year

Nothing in here yet. Add what you pay for, or choose one of the typical expenses.

Select only what applies to you.

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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.