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RETA 2026 · income-based contributions

Spanish self-employed fee calculator 2026

Find out how much you'll pay in Spanish Social Security based on your net income: your bracket, the contribution base and the monthly fee. Rate 31,5% (Orden PJC/297/2026). Free, instant and no sign-up.

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Indicative estimate. We don't store what you type — everything is calculated in your browser.

Your estimated monthly fee380,88 €/mo≈ 4.570,56 €/yr · contribution base 1.209,15 €
1.860,00 €Monthly average net income
Bracket 8> 1.850 and ≤ 2.030 €
1.209,15 €Minimum base of your bracket
Choose your contribution base

You can choose any base between your bracket's minimum and maximum. A higher base means a higher fee today, but also a higher benefit base for your pension and sick leave.

✓ The self-employed fee is 100% deductible in your income tax (Modelo 130 / annual return).
The 15 contribution brackets (2026)Rate 31,5%
1≤ 670 €/mo205,88 – 226,47 €/mo
2> 670 and ≤ 900 €/mo226,47 – 283,50 €/mo
3> 900 and < 1.166,70 €/mo267,66 – 367,52 €/mo
4≥ 1.166,70 and ≤ 1.300 €/mo299,56 – 409,50 €/mo
5> 1.300 and ≤ 1.500 €/mo302,65 – 472,50 €/mo
6> 1.500 and ≤ 1.700 €/mo302,65 – 535,50 €/mo
7> 1.700 and ≤ 1.850 €/mo360,28 – 582,75 €/mo
8> 1.850 and ≤ 2.030 €/mo380,88 – 639,45 €/mo
9> 2.030 and ≤ 2.330 €/mo401,47 – 733,95 €/mo
10> 2.330 and ≤ 2.760 €/mo427,22 – 869,40 €/mo
11> 2.760 and ≤ 3.190 €/mo452,94 – 1.004,85 €/mo
12> 3.190 and ≤ 3.620 €/mo478,68 – 1.140,30 €/mo
13> 3.620 and ≤ 4.050 €/mo504,41 – 1.275,75 €/mo
14> 4.050 and ≤ 6.000 €/mo545,59 – 1.606,88 €/mo
15> 6.000 €/mo607,35 – 1.606,88 €/mo

Based on Orden PJC/297/2026 (BOE-A-2026-7296), art. 18. The rate is 31,5% (MEI rises to 0.9% in 2026). Ranges use the Order's inequalities. If you file under simplified direct estimation, your net income already deducts the 5% hard-to-document-expenses allowance (up to €2,000 a year); this calculator doesn't know which method you use and doesn't deduct it, so your average and bracket may be somewhat lower. Indicative result, not tax advice.

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How it works

How the autónomo fee is calculated

1

Work out your net income

Subtract your deductible expenses from your revenue (not counting your own self-employed quota, which is added back), plus an extra 7% generic-expenses deduction.

2

Turn it into a monthly average

Annual net income is multiplied by 30 and divided by the days registered; Social Security counts each full calendar month as 30 days, so a full year is 360 days, i.e. ÷ 12.

3

Find your bracket

That monthly figure places you in one of the 15 brackets, which sets your minimum and maximum contribution base.

4

Apply the 31.5% rate

The contribution rate is applied to the base you choose within the bracket, giving your monthly fee.

FAQ

Frequently asked questions

How much does a self-employed person pay in Spain in 2026?
It depends on your net income. The 2026 real-income contribution system has 15 brackets: the fee ranges from ≈ €206/month (bracket 1, minimum base) to ≈ €607/month (bracket 15, minimum base), and more if you pick a higher base. With the first-year flat rate it's €88.64/month (€80 + MEI) for the first 12 months.
How is the autónomo fee calculated?
You start from annual net income (revenue − deductible expenses − a 7% generic-expenses deduction, without subtracting your own self-employed quota) and turn it into a monthly average by multiplying by 30 and dividing by the days registered (Social Security counts each full calendar month as 30 days: 360 in a full year, i.e. ÷ 12). If you file under simplified direct estimation, that net income already deducts the 5% hard-to-document-expenses allowance (up to €2,000 a year), which this calculator can't know you use. That average places you in one of the 15 brackets, which sets a minimum and maximum contribution base. The 31.5% rate is applied to the base you choose, and the result is your monthly fee.
What is the autónomo flat rate in 2026?
A reduced fee of €80/month (€88.64 with MEI) for the first 12 months of activity, extendable for another 12 if your expected net income is below the minimum wage (requested in Import@ss). It's aimed at new self-employed workers and anyone who hasn't been self-employed in the previous 2 years (3 if they already used it before). It's the figure Social Security publishes in its Import@ss guide: no 2026 rule sets the amount (the 2026 Budget Act hasn't been passed and the 2023 budget is still extended); check it in Import@ss.
Can I choose my contribution base?
Yes. Within the bracket set by your net income you can pick any base between the bracket's minimum and maximum. A higher base raises your fee but also your future pension and benefits (sick leave, cessation of activity, retirement).
Is the self-employed fee tax-deductible?
Yes. The Social Security fee is 100% deductible in your income tax: you subtract it as an expense on the quarterly Modelo 130 and on your annual return.
Will I have to pay money back if I under-contribute?
The 2026 contribution is based on real income: Social Security reconciles the following year, comparing what you paid against your actual net income. If you contributed on a base below your bracket's minimum, you pay the difference; if above its maximum, you get a refund.

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