Autónomo on €18,000 a Year in Spain (2026): €1,076/month Net
An established autónomo in Madrid with €18,000 of annual net revenue keeps about €1,076 a month (€12,915 a year) in 2026, after €3,632 of Social Security and €1,453 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
€1,076
€303 quota a month
Net a month, tarifa plana
€1,248
first 12 months, €80 quota
Net a year
€12,915
from €18,000 net revenue
| Item | Per year |
|---|---|
| Net revenue | €18,000 |
| Social Security quota (€303 a month, bracket 5) | −€3,632 |
| IRPF income tax (8.1% of revenue) | −€1,453 |
| Take-home pay | €12,915 |
| Total burden (Social Security + IRPF) | 28.2% |
| IRPF taxable base (after quota and €900 allowance) | €13,468 |
| 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 €18,000 of net revenue that leaves €1,248 a month after IRPF of €2,060, which is €172 more each month than the regular quota.
€18,000 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 | €13,746 | €1,146 | €622 | +€831 |
| Melilla | €13,746 | €1,146 | €622 | +€831 |
| Extremadura | €12,937 | €1,078 | €1,432 | +€22 |
| La Rioja | €12,931 | €1,078 | €1,438 | +€15 |
| Madrid | €12,915 | €1,076 | €1,453 | reference |
| Cantabria | €12,906 | €1,075 | €1,462 | −€9 |
| Canary Islands | €12,878 | €1,073 | €1,490 | −€37 |
| Galicia | €12,865 | €1,072 | €1,503 | −€50 |
| Valencian Community | €12,851 | €1,071 | €1,517 | −€64 |
| Asturias | €12,847 | €1,071 | €1,521 | −€68 |
| Castilla and Leon | €12,847 | €1,071 | €1,521 | −€68 |
| Aragon | €12,828 | €1,069 | €1,540 | −€87 |
| Andalusia | €12,827 | €1,069 | €1,542 | −€89 |
| Murcia | €12,821 | €1,068 | €1,547 | −€94 |
| Castilla-La Mancha | €12,813 | €1,068 | €1,555 | −€102 |
| Catalonia | €12,809 | €1,067 | €1,559 | −€106 |
| Balearic Islands | €12,800 | €1,067 | €1,568 | −€115 |
Frequently Asked Questions
How much tax does an autónomo pay on €18,000 in Spain?
At €18,000 of annual net revenue an established autónomo in Madrid pays €3,632 of Social Security (€303 a month, bracket 5) and €1,453 of IRPF, €5,085 in total or 28.2% of revenue (2026 rules, no dependants, age 35).
How much does an autónomo keep from €18,000 a year?
About €12,915 a year, or €1,076 a month, after Social Security and IRPF. Net revenue here means income after business expenses, before Social Security and IRPF. IRPF is calculated on €13,468 after Social Security and a €900 allowance, less the €5,550 personal minimum.
Does tarifa plana change the numbers at €18,000?
In the first 12 months a new autónomo pays the €80 tarifa plana, so Social Security is €960 a year instead of €3,632. At €18,000 that is about €1,248 a month net instead of €1,076, €172 more each month. After the first year the quota follows your income bracket.
Which region is cheapest for an autónomo with €18,000?
Ceuta and Melilla pay least because they only owe 40% of the IRPF (€13,746 net a year at €18,000). Among the other regions Extremadura leaves the most (€12,937) and Balearic Islands the least (€12,800), a gap of €137 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.