How much am I really earning?

Pricing simulator for products, subscriptions, and work hours for autónom@s in Spain
  • See what your sales really leave in your pocket
  • … how a price change moves the numbers
  • … how to react to rising expenses

Store your data in your browser?

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

The data will not be stored on our servers. 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.

What do you sell?

Products, hours, subscriptions... Excluding VAT! Hints

One row per thing you sell: a product, a service, a package, or an hour of your time. The quantity is how many of it you sell in a month or in a year, whichever is easier to say.

If you have activated the 'save data on device' switch, the list is kept for use everywhere on the site.

Revenue per month €0 Revenue per year €0 ex. IVA

Your situation

Euros Hints
Enter here the sum of all of your deductible business expenses (but not your Social Security contributions, those are calculated automatically.)
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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.

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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Choose the year for which you want to calculate your mandatory Social Security contributions.

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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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. If you are just starting as autónomo for the first time, you are most likely eligible for the first-year flat rate.

A temporary discount like the tarifa plana is yours to keep, not a reason to charge less: prices set on a discount have to go up the year it ends.

Use at your own risk. Not professional advice. This is a private project, not affiliated with Seguridad Social, AEAT, or any other public institution or licensed tax professional. These tools were very carefully built and their calculations tested to the best of our knowledge, but they can contain errors, and there are so many specialized tax rules and conditions that it is impossible to cover them all. That means that your final result will likely be at least a little bit different. For definite custom numbers, especially before making any life-changing decisions, talk to a professional.

Comments

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.