Calculadora
Income Tax Calculator
Calculate your annual IRPF with updated tax brackets
A freelancer's net salary is what you actually take home after paying taxes and contributions. Follow these steps:
This is the total billed during the year before taxes (excluding VAT). Add up all your issued invoices.
Include rent, utilities, materials, insurance, training, accounting, and other business-related expenses.
If you're a new freelancer, you may benefit from the Flat Rate (€80/month) or Zero Quota depending on your community.
The calculator will show your monthly and annual net salary, with a breakdown of freelancer quota and income tax.
Your net salary depends on two major mandatory deductions: the freelancer quota and income tax. Understanding them helps you plan better.
Monthly Social Security contribution based on your real income. Covers healthcare, sick leave, freelancer unemployment, and retirement. In 2026 it ranges from €205 to €607/month.
Progressive tax on your net income (billing - expenses - SS quota). Brackets range from 19% to 47%. The effective rate is typically between 15% and 30%.
Reduce your tax base: office rent, utilities, materials, training, insurance, accounting, advertising. More deductible expenses means less income tax.
Flat Rate (€80/month for 12 months) for new freelancers. Zero Quota in Madrid, Andalusia, Valencia, and other communities. Personal and family minimums for income tax.
Designed for freelancers who want to know what they really earn without surprises.
Freelancer quota + income tax + benefits in real time. You don't need three different calculators to know your real net salary.
The calculator automatically applies benefits if you're a new freelancer. You know exactly how much you save the first year.
This calculator is from Invoo, the software that connects your invoicing with your gestoría in real time. Your taxes calculate automatically when invoicing — no emails, no exports.
With Invoo, invoice in 30 seconds — just invoicing, no features you won't use. Your quota and withholdings calculate automatically, your gestoría sees everything in real time, and you're Verifactu compliant without thinking. €10.90/month, all included.
Find out what you really take home after taxes. Calculate your net salary including social security, income tax, Flat Rate, and Zero Quota benefits. Updated for 2024-2026.