Autónomo on €22,000 a Year in Spain (2026): €1,293/month Net
An established autónomo in Madrid with €22,000 of annual net revenue keeps about €1,293 a month (€15,518 a year) in 2026, after €4,323 of Social Security and €2,159 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
€1,293
€360 quota a month
Net a month, tarifa plana
€1,508
first 12 months, €80 quota
Net a year
€15,518
from €22,000 net revenue
| Item | Per year |
|---|---|
| Net revenue | €22,000 |
| Social Security quota (€360 a month, bracket 7) | −€4,323 |
| IRPF income tax (9.8% of revenue) | −€2,159 |
| Take-home pay | €15,518 |
| Total burden (Social Security + IRPF) | 29.5% |
| IRPF taxable base (after quota and €1,100 allowance) | €16,577 |
| 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 €22,000 of net revenue that leaves €1,508 a month after IRPF of €2,942, which is €215 more each month than the regular quota.
€22,000 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 | €16,756 | €1,396 | €921 | +€1,238 |
| Melilla | €16,756 | €1,396 | €921 | +€1,238 |
| Extremadura | €15,561 | €1,297 | €2,115 | +€43 |
| La Rioja | €15,536 | €1,295 | €2,140 | +€19 |
| Madrid | €15,518 | €1,293 | €2,159 | reference |
| Cantabria | €15,499 | €1,292 | €2,177 | −€19 |
| Canary Islands | €15,463 | €1,289 | €2,214 | −€55 |
| Galicia | €15,438 | €1,287 | €2,238 | −€80 |
| Valencian Community | €15,423 | €1,285 | €2,254 | −€95 |
| Asturias | €15,410 | €1,284 | €2,267 | −€108 |
| Castilla and Leon | €15,410 | €1,284 | €2,267 | −€108 |
| Murcia | €15,408 | €1,284 | €2,268 | −€110 |
| Aragon | €15,391 | €1,283 | €2,286 | −€127 |
| Andalusia | €15,389 | €1,282 | €2,288 | −€129 |
| Balearic Islands | €15,385 | €1,282 | €2,291 | −€132 |
| Castilla-La Mancha | €15,375 | €1,281 | €2,301 | −€143 |
| Catalonia | €15,356 | €1,280 | €2,320 | −€162 |
Frequently Asked Questions
How much tax does an autónomo pay on €22,000 in Spain?
At €22,000 of annual net revenue an established autónomo in Madrid pays €4,323 of Social Security (€360 a month, bracket 7) and €2,159 of IRPF, €6,482 in total or 29.5% of revenue (2026 rules, no dependants, age 35).
How much does an autónomo keep from €22,000 a year?
About €15,518 a year, or €1,293 a month, after Social Security and IRPF. Net revenue here means income after business expenses, before Social Security and IRPF. IRPF is calculated on €16,577 after Social Security and a €1,100 allowance, less the €5,550 personal minimum.
Does tarifa plana change the numbers at €22,000?
In the first 12 months a new autónomo pays the €80 tarifa plana, so Social Security is €960 a year instead of €4,323. At €22,000 that is about €1,508 a month net instead of €1,293, €215 more each month. After the first year the quota follows your income bracket.
Which region is cheapest for an autónomo with €22,000?
Ceuta and Melilla pay least because they only owe 40% of the IRPF (€16,756 net a year at €22,000). Among the other regions Extremadura leaves the most (€15,561) and Catalonia the least (€15,356), a gap of €205 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.