Autónomo on €28,000 a Year in Spain (2026): €1,645/month Net
An established autónomo in Madrid with €28,000 of annual net revenue keeps about €1,645 a month (€19,736 a year) in 2026, after €4,818 of Social Security and €3,446 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
€1,645
€401 quota a month
Net a month, tarifa plana
€1,877
first 12 months, €80 quota
Net a year
€19,736
from €28,000 net revenue
| Item | Per year |
|---|---|
| Net revenue | €28,000 |
| Social Security quota (€401 a month, bracket 9) | −€4,818 |
| IRPF income tax (12.3% of revenue) | −€3,446 |
| Take-home pay | €19,736 |
| Total burden (Social Security + IRPF) | 29.5% |
| IRPF taxable base (after quota and €1,400 allowance) | €21,782 |
| 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 €28,000 of net revenue that leaves €1,877 a month after IRPF of €4,519, which is €232 more each month than the regular quota.
€28,000 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 | €21,724 | €1,810 | €1,458 | +€1,988 |
| Melilla | €21,724 | €1,810 | €1,458 | +€1,988 |
| Extremadura | €19,779 | €1,648 | €3,403 | +€43 |
| La Rioja | €19,771 | €1,648 | €3,412 | +€35 |
| Madrid | €19,736 | €1,645 | €3,446 | reference |
| Cantabria | €19,733 | €1,644 | €3,450 | −€3 |
| Valencian Community | €19,647 | €1,637 | €3,535 | −€89 |
| Galicia | €19,642 | €1,637 | €3,540 | −€94 |
| Canary Islands | €19,639 | €1,637 | €3,544 | −€97 |
| Murcia | €19,626 | €1,635 | €3,557 | −€111 |
| Castilla and Leon | €19,587 | €1,632 | €3,595 | −€149 |
| Aragon | €19,583 | €1,632 | €3,600 | −€154 |
| Andalusia | €19,577 | €1,631 | €3,605 | −€159 |
| Catalonia | €19,539 | €1,628 | €3,643 | −€197 |
| Asturias | €19,537 | €1,628 | €3,645 | −€199 |
| Castilla-La Mancha | €19,537 | €1,628 | €3,646 | −€200 |
| Balearic Islands | €19,520 | €1,627 | €3,662 | −€216 |
Frequently Asked Questions
How much tax does an autónomo pay on €28,000 in Spain?
At €28,000 of annual net revenue an established autónomo in Madrid pays €4,818 of Social Security (€401 a month, bracket 9) and €3,446 of IRPF, €8,264 in total or 29.5% of revenue (2026 rules, no dependants, age 35).
How much does an autónomo keep from €28,000 a year?
About €19,736 a year, or €1,645 a month, after Social Security and IRPF. Net revenue here means income after business expenses, before Social Security and IRPF. IRPF is calculated on €21,782 after Social Security and a €1,400 allowance, less the €5,550 personal minimum.
Does tarifa plana change the numbers at €28,000?
In the first 12 months a new autónomo pays the €80 tarifa plana, so Social Security is €960 a year instead of €4,818. At €28,000 that is about €1,877 a month net instead of €1,645, €232 more each month. After the first year the quota follows your income bracket.
Which region is cheapest for an autónomo with €28,000?
Ceuta and Melilla pay least because they only owe 40% of the IRPF (€21,724 net a year at €28,000). Among the other regions Extremadura leaves the most (€19,779) and Balearic Islands the least (€19,520), a gap of €259 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.