Autónomo on €15,000 a Year in Spain (2026): €900/month Net
An established autónomo in Madrid with €15,000 of annual net revenue keeps about €900 a month (€10,800 a year) in 2026, after €3,212 of Social Security and €988 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
€900
€268 quota a month
Net a month, tarifa plana
€1,052
first 12 months, €80 quota
Net a year
€10,800
from €15,000 net revenue
| Item | Per year |
|---|---|
| Net revenue | €15,000 |
| Social Security quota (€268 a month, bracket 3) | −€3,212 |
| IRPF income tax (6.6% of revenue) | −€988 |
| Take-home pay | €10,800 |
| Total burden (Social Security + IRPF) | 28.0% |
| IRPF taxable base (after quota and €750 allowance) | €11,038 |
| 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 €15,000 of net revenue that leaves €1,052 a month after IRPF of €1,414, which is €152 more each month than the regular quota.
€15,000 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 | €11,371 | €948 | €417 | +€571 |
| Melilla | €11,371 | €948 | €417 | +€571 |
| Extremadura | €10,828 | €902 | €960 | +€27 |
| La Rioja | €10,828 | €902 | €960 | +€27 |
| Cantabria | €10,800 | €900 | €988 | +€0 |
| Madrid | €10,800 | €900 | €988 | reference |
| Valencian Community | €10,784 | €899 | €1,004 | −€16 |
| Asturias | €10,773 | €898 | €1,015 | −€27 |
| Canary Islands | €10,773 | €898 | €1,015 | −€27 |
| Castilla and Leon | €10,773 | €898 | €1,015 | −€27 |
| Galicia | €10,773 | €898 | €1,015 | −€27 |
| Balearic Islands | €10,750 | €896 | €1,039 | −€51 |
| Andalusia | €10,745 | €895 | €1,043 | −€55 |
| Aragon | €10,745 | €895 | €1,043 | −€55 |
| Castilla-La Mancha | €10,745 | €895 | €1,043 | −€55 |
| Catalonia | €10,745 | €895 | €1,043 | −€55 |
| Murcia | €10,745 | €895 | €1,043 | −€55 |
Frequently Asked Questions
How much tax does an autónomo pay on €15,000 in Spain?
At €15,000 of annual net revenue an established autónomo in Madrid pays €3,212 of Social Security (€268 a month, bracket 3) and €988 of IRPF, €4,200 in total or 28.0% of revenue (2026 rules, no dependants, age 35).
How much does an autónomo keep from €15,000 a year?
About €10,800 a year, or €900 a month, after Social Security and IRPF. Net revenue here means income after business expenses, before Social Security and IRPF. IRPF is calculated on €11,038 after Social Security and a €750 allowance, less the €5,550 personal minimum.
Does tarifa plana change the numbers at €15,000?
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 €15,000 that is about €1,052 a month net instead of €900, €152 more each month. After the first year the quota follows your income bracket.
Which region is cheapest for an autónomo with €15,000?
Ceuta and Melilla pay least because they only owe 40% of the IRPF (€11,371 net a year at €15,000). Among the other regions Extremadura leaves the most (€10,828) and Murcia the least (€10,745), a gap of €82 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.