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Calculator · Autónomos Spain

How much do I actually keep per month as an autónomo?

Enter your annual revenue and deductible expenses: the calculator estimates your Social Security quota by bracket, the income tax (IRPF) you'd pay, and your real monthly take-home. No signup, no email, no catch. And the page URL saves your numbers — copy and share it anywhere.

Free · 2025-2026 brackets & rates · September 2026
€/year
€/year

Guidance estimate for the simplified direct-estimation regime, without withholdings, personal allowances or regional variations. This is not tax advice.

Your monthly take-home
ConceptPer yearPer month
Social Security quota
Income tax / IRPF (est.)
Net after everything

Net per month
How we calculate it
  • Social Security quota: we apply the real-income bracket table (monthly net income). If you tick the flat rate, we use a fixed €80/month.
  • IRPF (income tax): on net income (revenue − expenses − quota), we apply the 7% reduction of the simplified direct-estimation regime and the combined state-regional general scale (19%–47%).
  • Reverse mode: if you know the monthly take-home you want, "Target take-home → revenue" works out the annual revenue you need to reach it.
  • What's missing: personal and family allowances, regional deductions and quarterly advance payments. Real results usually differ by a few points — use it to orient yourself, not to finalise your budget.

Want to know which bracket your Social Security quota comes from? Try the autónomo quota calculator.

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🇪🇸 New in Spain? Read this next

Taxes are only half the story. From 2027 every autónomo must invoice with VeriFactu-compliant software — fines reach €50,000. Our plain-English guide explains the deadlines, the traps and the free plan we recommend.

Read the VeriFactu guide for expats →

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