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Income tax calculator
for autónom@s in Spain

Estimate how much income tax (IRPF) you will pay on your income.

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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.
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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.
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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.
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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.
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If you are an administrator of an S.L. (autónomo societario) turn this on. You have a 3% generic deduction instead of 7% and a minimum contribution base of 1,000 euros, regardless of how much you earn.
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Companies and other autónomos in Spain must withhold IRPF when they pay an invoice for professional services: 15%, or 7% in your first three years if you request it. It is an advance on your own tax, paid in for you by the client.

If you invoice private individuals, or clients abroad, there is no withholding. Also, shops, trades and other business activities have no retención at all: choose None.

We apply the rate you chose to all your earnings, which can skew the results if you have a mix of clients - in that case, use the setting that reflects the majority of your income.

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Autónomos usually make an automatic tax prepayment of 20% of their profit every quarter through the Modelo 130. This counts toward their income tax. You can choose to pay more than 20% - and sometimes you may have forgotten an expense which you may add to the calculation later. In those cases - and those only - you can enter an individual amount here. If you are unsure, leaving it at the default "Yes" is probably correct.

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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

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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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Half your IRPF is set by your comunidad, and the scales differ. At 60.000 € of taxable income the gap between the cheapest and dearest is over 1.400 € a year.

Unset, we use a standard scale that can be out by several hundred euros.

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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 take 2.000 € off your taxable income, and up to 8.498 € if you earn under about 19.750 €. The biggest single reduction an autónomo can get.

All of these must be true:

  • One client you are not related to, or you are a registered TRADE.
  • Expenses under 30% of what you invoice.
  • At least 70% of invoices carry IRPF retención. Spanish companies normally withhold; clients abroad and private individuals normally do not.
  • No salary this year beyond 4.000 € of unemployment or pension. Sick pay counts as salary.

We check the expenses and the salary against your figures and take your word for the rest, and say so under the result. Not sure? Leave it off.

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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.

Results are merely orientative and provided without any warranty. Many special cases are not covered. All calculations have been tested to the best of the author's knowledge, but no guarantee is given in regards to accuracy. Note that there are conditions around how and when you can receive sick pay, paternity pay, and pensions. For definite information, talk to a professional.

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Want to see the Social Security contribution in more detail? Social Security calculator

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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.