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.
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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.
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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!
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