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Social Security calculator
for autónom@s in Spain

Calculate your monthly contribution and what you would get in return.

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.
Euros 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.
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.

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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
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.
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.

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.
1 comment

One comment

  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!

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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.