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.
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 2025 it ranges from €230 to €500+/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.