Autónomo on €12,000 a Year in Spain (2026): €693/month Net
An established autónomo in Madrid with €12,000 of annual net revenue keeps about €693 a month (€8,313 a year) in 2026, after €3,212 of Social Security and €475 of IRPF.
Assumes 2026 rules, an established autónomo (2+ years), individual, living in Madrid, age 35, no dependants. Net revenue means income after business expenses, before Social Security and IRPF.
Net a month, established
€693
€268 quota a month
Net a month, tarifa plana
€847
first 12 months, €80 quota
Net a year
€8,313
from €12,000 net revenue
| Item | Per year |
|---|---|
| Net revenue | €12,000 |
| Social Security quota (€268 a month, bracket 3) | −€3,212 |
| IRPF income tax (4.0% of revenue) | −€475 |
| Take-home pay | €8,313 |
| Total burden (Social Security + IRPF) | 30.7% |
| IRPF taxable base (after quota and €600 allowance) | €8,188 |
| Personal minimum | €5,550 |
Your first year on tarifa plana
New autónomos pay a flat €80 a month for the first 12 months (€960 a year). At €12,000 of net revenue that leaves €847 a month after IRPF of €880, which is €154 more each month than the regular quota.
€12,000 net revenue in every region
Take-home pay after Social Security and IRPF, best first. Madrid is highlighted.
| Region | Net a year | Net a month | IRPF | Versus Madrid |
|---|---|---|---|---|
| Ceuta | €8,588 | €716 | €200 | +€274 |
| Melilla | €8,588 | €716 | €200 | +€274 |
| Extremadura | €8,327 | €694 | €462 | +€13 |
| La Rioja | €8,327 | €694 | €462 | +€13 |
| Cantabria | €8,313 | €693 | €475 | +€0 |
| Madrid | €8,313 | €693 | €475 | reference |
| Valencian Community | €8,305 | €692 | €483 | −€8 |
| Asturias | €8,300 | €692 | €488 | −€13 |
| Balearic Islands | €8,300 | €692 | €488 | −€13 |
| Canary Islands | €8,300 | €692 | €488 | −€13 |
| Castilla and Leon | €8,300 | €692 | €488 | −€13 |
| Galicia | €8,300 | €692 | €488 | −€13 |
| Andalusia | €8,287 | €691 | €501 | −€26 |
| Aragon | €8,287 | €691 | €501 | −€26 |
| Castilla-La Mancha | €8,287 | €691 | €501 | −€26 |
| Catalonia | €8,287 | €691 | €501 | −€26 |
| Murcia | €8,287 | €691 | €501 | −€26 |
Frequently Asked Questions
How much tax does an autónomo pay on €12,000 in Spain?
At €12,000 of annual net revenue an established autónomo in Madrid pays €3,212 of Social Security (€268 a month, bracket 3) and €475 of IRPF, €3,687 in total or 30.7% of revenue (2026 rules, no dependants, age 35).
How much does an autónomo keep from €12,000 a year?
About €8,313 a year, or €693 a month, after Social Security and IRPF. Net revenue here means income after business expenses, before Social Security and IRPF. IRPF is calculated on €8,188 after Social Security and a €600 allowance, less the €5,550 personal minimum.
Does tarifa plana change the numbers at €12,000?
In the first 12 months a new autónomo pays the €80 tarifa plana, so Social Security is €960 a year instead of €3,212. At €12,000 that is about €847 a month net instead of €693, €154 more each month. After the first year the quota follows your income bracket.
Which region is cheapest for an autónomo with €12,000?
Ceuta and Melilla pay least because they only owe 40% of the IRPF (€8,588 net a year at €12,000). Among the other regions Extremadura leaves the most (€8,327) and Murcia the least (€8,287), a gap of €40 a year. Social Security is the same everywhere.
Autónomo net pay by annual net revenue
What an autónomo must earn to take home...
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Estimate based on the 2026 autónomo quota table (Orden PJC/297/2026) and AEAT IRPF scales; regional deductions are not included. Not tax advice.