Spain autónomo tax calculator

A quick estimate of your income tax (IRPF), Social Security (RETA) and VAT (IVA) as an autónomo — and what you'd actually take home.

Annual income (€)Annual business expenses (€)Excluding your Social Security cuota — we add that.

First year (tarifa plana €80/mo)I charge 21% IVA

Family allowances

Optional — dependent children raise your tax-free minimum and lower your IRPF. Start with your total number of children, then say how many of them are young or have a disability. Each child is counted once.

Dependent children (under 25)Living with you, with little or no income of their own.

Your estimate

Income: 40.000 €
Business expenses: −6000 €
Social Security (RETA)350 €/mo: −4200 €
Net profit: 29.800 €
Tax-free minimumPersonal minimum: 5550 €
Income tax (IRPF): −6051 €
Estimated take-home: 23.749 €

Effective tax + Social Security rate: 25.6% of income.

IVA (VAT): ~7140 €/yr to remit — this is your clients' money passing through you each quarter, not part of your take-home.

Estimate only, not tax advice. IRPF's regional half varies by comunidad; the RETA cuota depends on the contribution base you choose. Family allowances use the state mínimo por descendientes y discapacidad — regional amounts differ, and the child allowance is normally split 50/50 when both parents file. Figures use the common 2025 scales.

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