Spain self-employed (autónomo) calculator 2026: contributions, income tax and Modelo 130
Work out roughly what you will pay as an autónomo in 2026: the monthly Social Security contribution based on your real earnings (2026 brackets and the flat rate), the year’s income tax (IRPF) with your region’s tax bands and main deductions, the quarterly Modelo 130 payments, and whether your Renta return will end in a payment or a refund. It also works if you have a salaried job as well. Everything runs in your browser and we do not store your data; we only receive what you choose to send us through the question form.
How to use the calculator
- Choose the region where you live for most of the year.
- Under “Your self-employed activity”, enter what you invoice in the year and your expenses, both without VAT (IVA). Do not include the autónomo contribution: we work it out.
- Enter how many months of 2026 you are registered (alta) and, if you have it, how many of them on the flat rate (tarifa plana).
- If you also earn a salary as an employee, fill in that block; otherwise leave it empty.
- Fill in your family situation and, if you like, the expenses that count in your region.
- Press “Calculate”: you will see the monthly autónomo contribution, the tax for the year, the Modelo 130 payments and roughly whether your Renta return will end in a payment or a refund.
The breakdown is under “How it was calculated”; what the calculator leaves out is listed below the form.
Your region in this calculator: Andalusia
Regional deductions we calculate: rent, birth or adoption, large family, single-parent family, disability, children’s languages, sport, vet.
Not calculated: Buying subsidised housing, or a home if you are under 35, coeliac disease, domestic employee, legal costs in labour cases, care of relatives with a disability, and the 2026 storm deductions. Vet: only compulsory costs (vaccines, deworming) for an animal acquired since 2025.
Law: Ley 5/2021 (BOE-A-2021-17997) + Ley 8/2025. Rules checked on 04.10.2026.
Your region in this calculator: Aragon
Regional deductions we calculate: birth or adoption, caring for parents or grandparents, textbooks and school supplies, nursery.
Not calculated: Tutoring, birth of a 1st or 2nd child in small towns, taxpayers over 70, and the rural regime (amounts 20 % higher). Aragon has no general rent deduction for tenants.
Law: DLeg 1/2005 (texto refundido de tributos cedidos), red. Ley 17/2023. Rules checked on 04.10.2026.
Your region in this calculator: Asturias
Regional deductions we calculate: rent, per child, large family, two children, single-parent family, textbooks and school supplies, young people’s costs.
Not calculated: Multiple births, coeliac disease, leaving the family home, moving for work, electric vehicles and the deductions for depopulating concejos. The nursery deduction is not added: for children under 3 the €600 per child always gives more.
Law: DLeg 2/2014, red. Ley 3/2025 y Ley 5/2025. Rules checked on 04.10.2026.
Your region in this calculator: Balearic Islands
Regional deductions we calculate: rent, birth or adoption, textbooks, children’s languages, childcare, disability.
Not calculated: Care of people over 65 or with a disability, the 2026 rise in variable-rate mortgage interest, studying off the island, home sustainability works. Birth: we use the previous amounts (€800 to €1,400), because Law 4/2026, which raised them (€900 to €1,800), came into force in June without effect from January; if the tax office applies it for 2026, the deduction will be higher. If the birth deduction is larger than your tax, the Govern pays the difference separately; it is not added here.
Law: DLeg 1/2014, red. Ley 12/2023, Ley 11/2023, Ley 4/2026. Rules checked on 04.10.2026.
Your region in this calculator: Canary Islands
Regional deductions we calculate: rent, birth or adoption, nursery, large family, single-parent family, disability, age, medical costs, textbooks and school supplies.
Not calculated: Higher education off the island, unemployed taxpayers, domestic employees, relatives with a disability, large families with a disabled member (higher amount), and housing.
Law: DLeg 1/2009, red. Ley 5/2024. Rules checked on 04.10.2026.
Your region in this calculator: Cantabria
Regional deductions we calculate: rent, birth or adoption, nursery, single-parent family, textbooks and children’s languages, medical costs, caring for parents or grandparents.
Not calculated: Depopulating towns (higher rent and nursery amounts), rare diseases, domestic help, care of relatives with a disability, home improvements, new residents. The Law 5/2026 additions (sport, and rent up to age 40 with two children) came into force on 1 May and the law gives them no effect from 1 January, so on a cautious reading we do not add them for 2026; if the tax office applies them for 2026, the deduction will be higher. Birth and education are counted at half, as the tax office says for individual returns.
Law: DLeg 62/2008, red. Ley 5/2026. Rules checked on 04.10.2026.
Your region in this calculator: Castile and León
Regional deductions we calculate: rent, birth or adoption, large family, nursery, disability.
Not calculated: Multiple births and adoption costs, rural amounts (higher birth and rent deductions), domestic employee, rural housing, entrepreneurship and donations.
Law: DLeg 1/2013, red. vigente 2026. Rules checked on 04.10.2026.
Your region in this calculator: Castile-La Mancha
Regional deductions we calculate: rent, birth or adoption, large family, single-parent family, nursery, disability, age, textbooks and children’s languages.
Not calculated: Multiple births, relatives with a disability, young renters in small towns (20 %), rural areas and the new Law 1/2026 deductions (saving for a home).
Law: Ley 8/2013, red. Ley 1/2026. Rules checked on 04.10.2026.
Your region in this calculator: Catalonia
Regional deductions we calculate: rent, birth or adoption.
Not calculated: Widowhood, rent for victims of gender violence, more than one employer (612-10), home renovation, rural town measures and donations.
Law: Ley 21/2001 y Ley 5/2020, red. vigente 2026. Rules checked on 04.10.2026.
Your region in this calculator: Ceuta or Melilla
Regional deductions we calculate: income in Ceuta or Melilla (60 %).
Not calculated: The 60 % deduction for non-employment income (rental income, interest from banks in Ceuta or Melilla, self-employment) and for income earned elsewhere (requires three years of residence and a third of your wealth there). We assume you lived in Ceuta or Melilla all year and that all salary in the return (in a joint return, your spouse’s too) is earned there; otherwise the real deduction is lower.
Law: Ley 35/2006, arts. 65, 68.4 y DA 32.ª. Rules checked on 04.10.2026.
Your region in this calculator: Community of Madrid
Regional deductions we calculate: rent, birth or adoption, new large family, children’s languages, caring for parents or grandparents.
Not calculated: Private school fees and uniforms, nursery (only fees that are not public or officially authorised prices), domestic employee, course fees for young workers, mortgage interest for under-30s, and low-income families (art. 14).
Law: DLeg 1/2010, red. vigente 2026. Rules checked on 04.10.2026.
Your region in this calculator: Comunitat Valenciana (Valencia, Alicante, Castellón)
Regional deductions we calculate: rent, birth or adoption, large family, nursery, conciliación, disability, dentist, mental health, glasses, sport, music.
Not calculated: Less common Valencian deductions (chronic illness, school supplies, energy, donations) and the rent deduction for working in another town.
Law: Ley 13/1997 GVA, red. Ley 5/2026. Rules checked on 04.10.2026.
Your region in this calculator: Extremadura
Regional deductions we calculate: employment income, rent, birth or adoption, childcare, school supplies, vet.
Not calculated: Multiple births, relatives with a disability, widowhood, foster care, towns under 3,000 inhabitants, moving to Extremadura and donations.
Law: DLeg 1/2018, red. Ley 2/2026. Rules checked on 04.10.2026.
Your region in this calculator: Galicia
Regional deductions we calculate: rent, birth or adoption, two children, large family, nursery, textbooks and school supplies.
Not calculated: Large families: we add only the basic amount (€250 general, €400 special); with three or more children or a disability it may be higher. Also not included: third-party care for older people with a disability, foster care, internet, housing and investments.
Law: DLeg 1/2011, red. vigente 2026. Rules checked on 04.10.2026.
Your region in this calculator: La Rioja
Regional deductions we calculate: rent, birth or adoption, nursery, sport.
Not calculated: Small towns listed in Annex I (higher rent and nursery amounts), housing for young people, foster care, coeliac disease and electric vehicles.
Law: Ley 10/2017, red. Ley 9/2025. Rules checked on 04.10.2026.
Your region in this calculator: Region of Murcia
Regional deductions we calculate: rent, birth or adoption, nursery, school supplies, single-parent family, disability, working women, children’s languages, sport, vet.
Not calculated: Glasses for children under 12, rare diseases, domestic employee, caring for older people, housing, renewable energy and electric vehicles.
Law: DLeg 1/2010, red. Ley 3/2025. Rules checked on 04.10.2026.
What it does not include
- VAT (IVA): you charge it to your clients and pay it to the tax office with Modelo 303. It is not a tax on your profit and is not in this calculation.
- If you are not a Spanish tax resident, you pay non-resident income tax (IRNR), not IRPF: this calculator does not apply to you.
- The módulos system (estimación objetiva), company-owner autónomos and helping family members (different minimum base), street trading and other special contribution cases.
- The reduction for autónomos with a single client or economically dependent (TRADE, art. 32.2.1.º), which cannot be combined with the 5 % hard-to-document expenses.
- Joint returns: we only work out your individual return.
- Ceuta’s special rate: in 2026 hard-to-document expenses there are 10 % (IRPF Law, 64th additional provision); we use the general 5 %, so in Ceuta the real IRPF may be slightly lower.
- If you are registered for only part of the year, the maternity and large-family deductions are prorated by month; here they are counted in full.
- The special flat rate for people with a disability or victims of violence (24 months at €80, then 36 months at €160).
- Pluriactividad: the lower contribution if your employee job already covers sick leave, and the 50 % refund of contributions above €17,323.68.
- Regional grants that refund the flat rate (“cuota cero”), recalculations of previous years and choosing a base above the minimum.
- Flat rate: for 2026 the budget law does not set the amount. The Social Security guide gives €80 plus MEI, €88.64 a month; we use €88.56 (€80 plus 0.9 % of the €950.98 base). The difference is a few cents.
- Whether your expenses meet the requirements (invoice, link to the activity), and depreciation: the calculator simply subtracts what you enter.
An estimate based on the rules in force for 2026: contributions Order PJC/297/2026 (art. 18), the General Social Security Law (art. 308), Self-Employment Law 20/2007 (art. 38 ter), IRPF Law 35/2006 and Regulation (arts. 30, 32 and 110), and each region’s laws. It is not a tax return or tax advice. Updated 04.10.2026.
Want your case checked?
Message @spain_asesor: we review your situation and your draft Renta return.
Frequently asked questions
How much does an autónomo pay per month in 2026?
It depends on your earnings: in 2026 the minimum contribution goes from €205.88 (earnings up to €670 a month) to €607.35 (over €6,000 a month). If you are starting and qualify for the flat rate, you pay about €88.56 a month in the first year.
Which earnings decide the bracket?
Your net earnings from the activity (income minus expenses, including the autónomo contribution itself, and minus the 5 % hard-to-document expenses). Your autónomo contributions are then added back, 7 % is taken off for generic expenses and the result is divided by the months you are registered.
What is Modelo 130?
It is the quarterly IRPF prepayment: 20 % of the profit accumulated in the year minus what you have already paid and what was withheld on your invoices. Professionals with at least 70 % of their income subject to withholding do not file it.
Does it work if I also have a salaried job?
Yes. Your salary and your activity go in the same return. Note that if the profit from your activity, together with your other non-employment income (interest, dividends…), is over €6,500, you lose the employment income reduction (art. 20) and the DA 61.ª deduction.
Read next
- Self-employed foreigners: taxes, IRPF and VAT
- Income tax calculator for your salary
- Do I have to file a tax return in Spain?
General information, not individual legal advice. Check the official source and consult a professional for your case.