Self-Employed Contribution Calculator (Spain)
This calculator estimates how much you will pay in Social Security contributions as a self-employed worker (autónomo) in Spain in 2026. Enter your estimated monthly net earnings and it tells you which bracket you fall into, the minimum contribution base, and the resulting monthly and annual fee. If you are newly self-employed, turn on the flat rate to see the reduced fee of €80/month.
Estimate using the 15-bracket earnings table and the 31.5% total rate in force in 2026, taking the minimum base of each bracket. The flat rate is €80/month for the first 12 months. It does not consider higher voluntarily chosen bases, regional rebates, or special situations. Check the official Social Security simulator or a tax advisor for your case.
Monthly contribution
Annual contribution:
Bracket
Minimum base
Total rate
Monthly net earnings (€)
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How it works
Since 2023, self-employed workers contribute based on their real net earnings, split into 15 brackets (6 in the reduced table, 9 in the general one). Each bracket has a minimum and a maximum contribution base; you may choose any base within that range, but by default you contribute on the minimum. The monthly fee is the chosen base multiplied by the total contribution rate, which in 2026 is 31.5% (28.3% common contingencies + 1.3% professional + 0.9% cessation of activity + 0.1% training + 0.9% MEI). New self-employed workers can opt for the flat rate: €80/month for the first 12 months, extendable for another 12 if earnings stay below the minimum wage.
Table of self-employed brackets and fees in 2026
Under the real-income contribution system you pay according to your net earnings, split into 15 brackets. The table was carried over from 2025, with the only rise being the MEI (from 0.8% to 0.9%). Contributing on the minimum base of each bracket, the fee ranges from €205.88 (earnings up to €670) to €607.31 (over €6,000). These are some of the most representative brackets:
| Monthly net earnings | Monthly fee 2026 |
|---|---|
| Up to €670 | €205.88 |
| €900 – €1,166.70 | €267.64 |
| €1,300 – €1,500 | €302.64 |
| €1,700 – €1,850 | €319.12 |
| €2,030 – €2,330 | €329.41 |
| €2,760 – €3,190 | €380.85 |
| €4,050 – €6,000 | €514.61 |
| Over €6,000 | €607.31 |
The €80 flat rate for new self-employed workers
If you register for the first time (or were not registered in the previous two years), you can opt for the flat rate: a fixed fee of €80/month for the first 12 months, regardless of your earnings. After that year it can be extended for another 12 months provided your net earnings stay below the national minimum wage. This means a new self-employed worker with low income can pay €80 for up to 24 months before entering the general table. Example: with earnings of €1,400/month, an established worker would pay €302.64, while a new one on the flat rate pays €80 — a saving of €222.64 a month during the first year.
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Preguntas frecuentes
- How much does a self-employed worker pay in 2026?
- It depends on your net earnings. The minimum fee ranges from about €206/month (lowest bracket, up to €670 of earnings) to about €607/month (over €6,000), contributing on the minimum base of each bracket. The fee stays the same as 2025 except for the MEI rise to 0.9%.
- What are net earnings?
- It is what you actually earn: income minus deductible business expenses, and minus an additional 7% deduction (5% for company members) for generic expenses. It is not your gross turnover. That net figure, divided by 12, sets your monthly bracket.
- What is the flat rate?
- It is a reduced fee of €80/month for new self-employed workers during the first 12 months. It can be extended another 12 months if your net earnings stay below the minimum wage. After that, you contribute according to your bracket.
- Can I pay more to get a better pension?
- Yes. Within each bracket you can choose a higher contribution base up to the bracket maximum (or up to €4,909.50 in the top brackets). A higher base means a higher fee, but also a higher regulatory base for your pension and benefits.
- What if my earnings change during the year?
- You can change your contribution base up to six times a year to match your forecasts. The next year, Social Security reconciles: if you overpaid they refund you, and if you underpaid they claim the difference based on your declared real earnings.