# 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.

Interactive calculator: https://www.nyrut.com/en/spain-freelancer-take-home-calculator

## 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.

## FAQ

**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.

## Sources (checked 2026-10-15)

- [Spanish Income Tax Act 35/2006 (scale, art. 63; personal allowance, art. 57)](https://www.boe.es/buscar/act.php?id=BOE-A-2006-20764)
- [Spanish Social Security: 2026 contribution bases and rates](https://www.seg-social.es/wps/portal/wss/internet/Trabajadores/CotizacionRecaudacionTrabajadores/36537)

Nyrut shows you every day what you've invoiced, what you'll owe in VAT and income tax, and what's really yours.