Autonomo Tax Calculator

How much will you pay as an autonomo in Spain?

Being an autonomo in Spain comes with many advantages—flexibility, independence, and the ability to be your own boss. But when it comes to taxes, things can get confusing fast.

How much will you actually pay in taxes? Are you setting aside enough money for quarterly payments?

In SpainTax, we’ll break everything down with clear examples so you can estimate your tax bill using an autonomo tax calculator.

Common mistakes to avoid when using a tax calculator

- Not Including All Income: Ensure you account for every income stream.

- Ignoring Small Expenses: Even small costs add up and can reduce your taxable income.

- Forgetting Social Security Payments: These are a significant part of your obligations and should be included.

-Misunderstanding VAT: Only include VAT if you are registered and it's applicable to your business.

Why should you use an autonomo tax calculator?

Simplifies Complex Calculations

Spain's tax system for freelancers is layered and complex. An autonomo tax calculator breaks down the process, making it straightforward to understand how much you owe.

Saves Time

Instead of spending hours calculating taxes manually or second-guessing figures, an online calculator does the work for you in minutes.

Reduces Errors

Human errors can lead to costly mistakes or penalties. A calculator ensures greater accuracy, so you’re less likely to underpay or overpay.

Helps with Financial Planning

Knowing your estimated tax obligations in advance allows you to plan better. You can set aside the right amount each month and avoid unexpected financial stress.

How taxes work for autonomos in Spain

As an autonomo, you’re responsible for paying:

- Personal income tax (IRPF): A percentage of your earnings.

- VAT (IVA): Collected from your clients and paid to the government.

- Social Security (Cuota de Autónomo): A fixed monthly fee for healthcare and pensions.

Now, let’s look at how each of these affects your total tax bill.

IRPF: How much income tax will you pay?

Your income tax depends on how much you earn. Spain uses a progressive tax system, meaning the more you make, the higher the percentage you pay.

Example 1: Low-income autonomo

Monthly income: €1,500

Business expenses: €200

Taxable income: €1,300

IRPF (15% for new autonomos): €195 per month

Example 2: Higher-income autonomo

Monthly income: €3,500

Business expenses: €500

Taxable income: €3,000

IRPF (25% average rate): €750 per month

If you’re in your first year as an autonomo, you can benefit from a 15% reduced tax rate instead of the standard progressive rates.

IVA: Do you need to pay VAT?

Most freelancers must charge 21% VAT (IVA) on their invoices and report it quarterly.

Example: VAT collection

You invoice a client €1,000

VAT collected: €210

VAT paid on expenses: €50

VAT to pay the government: €160

Some professionals (like teachers and doctors) are exempt from VAT. If you work with foreign clients, VAT rules may also change.

Social Security: Your fixed autonomo fee

Every autonomo must pay Social Security to access healthcare and pensions. The amount depends on how long you’ve been registered:

Time as Autonomo: First 12 months

Monthly Fee: €80

Time as Autonomo: 13-18 months

Monthly Fee: €220

Time as Autonomo: 19-24 months

Monthly Fee: €275

Time as Autonomo: After 24 months

Monthly Fee: €330 - €500+ (based on income)

Example: Total taxes for an autonomo

Monthly income: €2,500

Business expenses: €300

IRPF (20%): €440

VAT due: €250

Social Security: €220

Total tax & expenses: €910

Net income after taxes: €1,590

How to reduce your tax bill

Want to pay less in taxes? Here are some legal ways to save money:

✔ Deduct all business expenses: Office rent, phone bills, travel, etc.

✔ Use the 15% reduced tax rate: If you’re a new autonomo.

✔ Contribute to a private pension plan: Reduces your taxable income.

✔ Register for module taxation: If eligible, this can lower your tax burden.

OUR SERVICES

COMPREHENSIVE REAL ESTATE SERVICES

/1/

Real Estate Agent

From NIE to electricity contract: We are not only agents, but we can also handle all the bureaucratic and fiscal procedures that a buyer or seller has to manage in the process.

/2/

Tax Advisors

We handle all tax procedures affecting non-residents in Spain: ITP and capital gains, tax refunds, annual non-resident tax, rental income tax, donations and inheritances, etc.

/3/

Community Administration

As community administrators, we manage accounting, collect fees, prepare financial reports, organize owners' meetings, and are the first contact for neighbors and suppliers.

Self employed tax calculator

Managing taxes as an autonomo can be easier with the right approach. An autonomo tax calculator is a simple, effective way to estimate your obligations, stay compliant, and avoid financial stress.

Want to simplify your tax calculations? Get in touch with us today to access our specialized autonomo tax calculator and receive personalized guidance. We're here to help you navigate your freelance taxes with confidence!