Spain freelancer take-home pay calculator
From what you invoice to what you take home each month as an autónomo in Spain, after expenses, social security and income tax.
Software, equipment, accountant, insurance, the deductible share of your phone… Excl. VAT.
You keep per month
€1,621.47
For every €100 you invoice, you keep €64.86.
An estimate using the 2026 state scale and your region's, their personal allowances and the 7% hard-to-document expenses deduction. It excludes child allowances, low-income reductions and regional credits, which can lower it. The withholding on your invoices and your form 130 payments are advances on this tax, not an extra tax.
From invoicing to take-home, step by step
- Revenue excluding VAT: the VAT isn't yours, you pay it over each quarter.
- Minus your deductible business expenses.
- Minus the autónomo quota, which is also an expense and depends on your band.
- That's your net income. Minus 7% for hard-to-document expenses (up to €2,000 a year), it's your income tax base.
- Minus IRPF: a progressive scale, with the first €5,550 (the personal allowance) tax-free.
- What's left, divided by 12, is your monthly take-home.
What this calculator simplifies
It uses the 2026 state scale and your region's, each with its own personal allowance (the Basque Country and Navarre, with their own foral tax, aren't included). It leaves out child allowances, low-income reductions and regional credits, which usually lower the tax.
Frequently asked questions
Is VAT part of my income?
No. The VAT you charge goes to the tax agency each quarter; your income is the net amount of your invoices.
Is withholding money I lose?
No: it's an advance on your income tax, deducted in your annual return.
Put it on your website
Free, for your blog, practice or association: copy this code and paste it where you want it to appear. It updates itself when the figures change.
<iframe src="https://www.nyrut.com/en/embed/spain-freelancer-take-home-calculator" title="Spain freelancer take-home pay calculator" width="100%" height="900" style="border:0" loading="lazy"></iframe><p><a href="https://www.nyrut.com/en/spain-freelancer-take-home-calculator">Spain freelancer take-home pay calculator</a> by Nyrut</p>Sources
Nyrut shows you every day what you've invoiced, what you'll owe in VAT and income tax, and what's really yours.