Freelance calculator
Freelance taxes in Spain: what you keep
How much does a freelancer keep in Spain? Enter your rate and see income tax, social security and other contributions under Autónomo (RETA + IRPF), with 2026 rules and editable rates.
Income
That is $86,400 a year, $7,200 a month, before tax
Live rate, refreshed every few hours. Edit it if your bank uses another.
Gross income
€77,192
€6,433 per month
Total taxes and contributions
€27,692
Effective rate: 35.9%
Net income (take-home)
€49,500
€4,125 per month
Where your money goes
You keep 64.1% of your gross income
| Item | Per year | Per month | % of gross |
|---|---|---|---|
| Gross income | €77,192 | €6,433 | 100% |
| Income tax (IRPF) | −€20,404 | −€1,700 | 26.4% |
| Social security (RETA) | −€7,288 | −€607 | 9.4% |
| Total taxes and contributions | −€27,692 | −€2,308 | 35.9% |
| Net income (take-home) | €49,500 | €4,125 | 64.1% |
Net per working hour: €34.37/h
Rules used: Autónomo (RETA + IRPF)
Estimación directa simplificada. RETA fee: 31.5% of the minimum base of your net-income bracket (2026 table, includes MEI, cese and training), or the €80/month flat rate in year one. IRPF on the average state + regional scale with the €5,550 personal minimum and the 5% hard-to-justify expenses (max €2,000). Regional scales differ by up to a few points. VAT: services to companies in other EU countries are not charged IVA (reverse charge); you still file quarterly.
Tax year 2026 · Checked October 14, 2026 · Source: Seguridad Social / AEAT
What this assumes
A single person with no dependents, no other income, no deductions beyond the ones named, and clients abroad, so VAT or sales tax is not charged. Rates are for the tax year shown.
This is an estimate for information, not tax advice. Rules change and depend on your situation: confirm with the tax authority or an accountant before you decide.
Example
At $60 an hour for 30 hours a week, a freelancer in Spain earns about €77,192 a year before tax and keeps about €49,500 (64%) after €27,692 of taxes and contributions.
What is included
For the default regime the calculation covers: Income tax (IRPF), Social security (RETA).
Tax regimes covered
- Autónomo (RETA + IRPF)Estimación directa simplificada. RETA fee: 31.5% of the minimum base of your net-income bracket (2026 table, includes MEI, cese and training), or the €80/month flat rate in year one. IRPF on the average state + regional scale with the €5,550 personal minimum and the 5% hard-to-justify expenses (max €2,000). Regional scales differ by up to a few points. VAT: services to companies in other EU countries are not charged IVA (reverse charge); you still file quarterly.
Frequently asked questions
- How much tax does a freelancer pay in Spain?
- In the example above the total is €27,692, an effective rate of 36%. It changes with income, regime and deductions: use the calculator to test your own numbers.
- Which taxes does the calculator include for Spain?
- Income tax (IRPF), Social security (RETA). Local rules and exemptions can add or remove items, so confirm with Seguridad Social / AEAT.
- Is this calculator accurate?
- It applies the published 2026 rules for a single self-employed person. Real bills vary with deductions, regional rules, family situation and timing, so treat it as a planning estimate and confirm with a professional.
- Which currency are my earnings in?
- Most listings on SOJI pay in US dollars. Choose USD and the calculator converts to your local currency at the rate shown (you can edit it), then applies the local tax rules to the local amount.
- Why can I change the tax rates?
- Your situation may differ: another region, a special regime or a negotiated rate. Type any percentage and the net income updates straight away.
- Does it include VAT?
- No. If your clients are abroad, services are usually exempt or zero-rated, and VAT is not your income anyway. Check the rule for your country.