Autónomo on €20,000 a Year in Spain (2026): €1,207/month Net
An established autónomo in Madrid with €20,000 of annual net revenue keeps about €1,207 a month (€14,484 a year) in 2026, after €3,632 of Social Security and €1,884 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
€1,207
€303 quota a month
Net a month, tarifa plana
€1,379
first 12 months, €80 quota
Net a year
€14,484
from €20,000 net revenue
| Item | Per year |
|---|---|
| Net revenue | €20,000 |
| Social Security quota (€303 a month, bracket 6) | −€3,632 |
| IRPF income tax (9.4% of revenue) | −€1,884 |
| Take-home pay | €14,484 |
| Total burden (Social Security + IRPF) | 27.6% |
| IRPF taxable base (after quota and €1,000 allowance) | €15,368 |
| 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 €20,000 of net revenue that leaves €1,379 a month after IRPF of €2,491, which is €172 more each month than the regular quota.
€20,000 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 | €15,564 | €1,297 | €805 | +€1,080 |
| Melilla | €15,564 | €1,297 | €805 | +€1,080 |
| Extremadura | €14,519 | €1,210 | €1,850 | +€35 |
| La Rioja | €14,501 | €1,208 | €1,867 | +€17 |
| Madrid | €14,484 | €1,207 | €1,884 | reference |
| Cantabria | €14,469 | €1,206 | €1,899 | −€15 |
| Canary Islands | €14,438 | €1,203 | €1,930 | −€45 |
| Galicia | €14,416 | €1,201 | €1,952 | −€68 |
| Valencian Community | €14,401 | €1,200 | €1,967 | −€83 |
| Asturias | €14,391 | €1,199 | €1,977 | −€92 |
| Castilla and Leon | €14,391 | €1,199 | €1,977 | −€92 |
| Murcia | €14,380 | €1,198 | €1,988 | −€104 |
| Aragon | €14,372 | €1,198 | €1,996 | −€111 |
| Andalusia | €14,371 | €1,198 | €1,998 | −€113 |
| Balearic Islands | €14,358 | €1,197 | €2,010 | −€126 |
| Castilla-La Mancha | €14,357 | €1,196 | €2,011 | −€127 |
| Catalonia | €14,344 | €1,195 | €2,024 | −€140 |
Frequently Asked Questions
How much tax does an autónomo pay on €20,000 in Spain?
At €20,000 of annual net revenue an established autónomo in Madrid pays €3,632 of Social Security (€303 a month, bracket 6) and €1,884 of IRPF, €5,516 in total or 27.6% of revenue (2026 rules, no dependants, age 35).
How much does an autónomo keep from €20,000 a year?
About €14,484 a year, or €1,207 a month, after Social Security and IRPF. Net revenue here means income after business expenses, before Social Security and IRPF. IRPF is calculated on €15,368 after Social Security and a €1,000 allowance, less the €5,550 personal minimum.
Does tarifa plana change the numbers at €20,000?
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 €20,000 that is about €1,379 a month net instead of €1,207, €172 more each month. After the first year the quota follows your income bracket.
Which region is cheapest for an autónomo with €20,000?
Ceuta and Melilla pay least because they only owe 40% of the IRPF (€15,564 net a year at €20,000). Among the other regions Extremadura leaves the most (€14,519) and Catalonia the least (€14,344), a gap of €175 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.