Why does my gestor quote a different number?

Because your real case adds pieces assumed neutral here: your region's exact scale, family minimums, pension contributions, deductions. This calculator sets the honest baseline; your gestor tunes it. If the gap is huge, ask which piece explains it.

How much should I set aside each month?

The effective rate shown here is your rule: at 30%, move 30% of every payment into a separate account and June's Renta and the 130 installments stop being surprises. Round up, never down.

At what profit does an SL start making sense?

No magic number, but the conversation typically starts above a sustained 60,000-80,000 euros of profit, when the potential tax saving beats the company's fixed costs (accounting, payroll, rigidity). Our freelancer vs SL comparison runs that math with your numbers.

Spain

Spain gross-to-net calculator

The number nobody hands you when you start: of every euro of profit, how much leaks away between the cuota and IRPF, and how much truly reaches your pocket, monthly and yearly.

Your numbers

Annual profit (income − expenses)

€

Before the autonomo cuota and IRPF.

Business type

On the 80-euro flat rate (first 12 months)

Comunidad autónoma

Each region legislates half the income tax scale. Leave it unset and the calculator uses the reference scale, the one every published bracket table quotes.

Results

Net€27,084per year

Monthly net: €2,257
Autonomo cuota: €5,435
Estimated IRPF: €7,480
Total effective rate: 32.3%

Where your profit goes

Net€27,084
Estimated IRPF€7,480
Autonomo cuota€5,435

Navarra and the Basque Country run their own income taxes, not a regional half of the Spanish one, so they are not in this list.

Estimate

What stays net, by profit (individual, no flat rate)

workingfigures.com/spain/bruto-a-neto-autonomo

The formula

Net = profit − annual cuota (2026 RETA bracket table) − estimated IRPF. IRPF applies the 19-47% reference scale to profit minus cuota, with the 5,550-euro personal minimum credit.

What this assumes

Contributing at the bracket's minimum base, income tax estimated on profit minus the quota with only the personal minimum applied, and no regional deductions. Pick your comunidad to use its half of the scale instead of the reference one: the same profit costs noticeably less in Madrid than in the Comunidad Valenciana. Constants verified August 2026 and reviewed each January.

FAQ

Why does my gestor quote a different number?: Because your real case adds pieces assumed neutral here: your region's exact scale, family minimums, pension contributions, deductions. This calculator sets the honest baseline; your gestor tunes it. If the gap is huge, ask which piece explains it.
How much should I set aside each month?: The effective rate shown here is your rule: at 30%, move 30% of every payment into a separate account and June's Renta and the 130 installments stop being surprises. Round up, never down.
At what profit does an SL start making sense?: No magic number, but the conversation typically starts above a sustained 60,000-80,000 euros of profit, when the potential tax saving beats the company's fixed costs (accounting, payroll, rigidity). Our freelancer vs SL comparison runs that math with your numbers.