Autónomo on €32,000 a Year in Spain (2026): €1,871/month Net
An established autónomo in Madrid with €32,000 of annual net revenue keeps about €1,871 a month (€22,457 a year) in 2026, after €5,127 of Social Security and €4,417 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
€1,871
€427 quota a month
Net a month, tarifa plana
€2,122
first 12 months, €80 quota
Net a year
€22,457
from €32,000 net revenue
| Item | Per year |
|---|---|
| Net revenue | €32,000 |
| Social Security quota (€427 a month, bracket 10) | −€5,127 |
| IRPF income tax (13.8% of revenue) | −€4,417 |
| Take-home pay | €22,457 |
| Total burden (Social Security + IRPF) | 29.8% |
| IRPF taxable base (after quota and €1,600 allowance) | €25,273 |
| 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 €32,000 of net revenue that leaves €2,122 a month after IRPF of €5,575, which is €251 more each month than the regular quota.
€32,000 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 | €24,996 | €2,083 | €1,877 | +€2,539 |
| Melilla | €24,996 | €2,083 | €1,877 | +€2,539 |
| La Rioja | €22,463 | €1,872 | €4,410 | +€7 |
| Madrid | €22,457 | €1,871 | €4,417 | reference |
| Cantabria | €22,394 | €1,866 | €4,479 | −€63 |
| Extremadura | €22,372 | €1,864 | €4,501 | −€85 |
| Murcia | €22,329 | €1,861 | €4,545 | −€128 |
| Canary Islands | €22,317 | €1,860 | €4,556 | −€139 |
| Valencian Community | €22,311 | €1,859 | €4,562 | −€145 |
| Galicia | €22,290 | €1,857 | €4,584 | −€167 |
| Castilla and Leon | €22,266 | €1,855 | €4,608 | −€191 |
| Aragon | €22,226 | €1,852 | €4,647 | −€230 |
| Andalusia | €22,221 | €1,852 | €4,652 | −€236 |
| Asturias | €22,216 | €1,851 | €4,658 | −€241 |
| Balearic Islands | €22,190 | €1,849 | €4,683 | −€267 |
| Castilla-La Mancha | €22,180 | €1,848 | €4,693 | −€276 |
| Catalonia | €22,155 | €1,846 | €4,718 | −€301 |
Frequently Asked Questions
How much tax does an autónomo pay on €32,000 in Spain?
At €32,000 of annual net revenue an established autónomo in Madrid pays €5,127 of Social Security (€427 a month, bracket 10) and €4,417 of IRPF, €9,543 in total or 29.8% of revenue (2026 rules, no dependants, age 35).
How much does an autónomo keep from €32,000 a year?
About €22,457 a year, or €1,871 a month, after Social Security and IRPF. Net revenue here means income after business expenses, before Social Security and IRPF. IRPF is calculated on €25,273 after Social Security and a €1,600 allowance, less the €5,550 personal minimum.
Does tarifa plana change the numbers at €32,000?
In the first 12 months a new autónomo pays the €80 tarifa plana, so Social Security is €960 a year instead of €5,127. At €32,000 that is about €2,122 a month net instead of €1,871, €251 more each month. After the first year the quota follows your income bracket.
Which region is cheapest for an autónomo with €32,000?
Ceuta and Melilla pay least because they only owe 40% of the IRPF (€24,996 net a year at €32,000). Among the other regions La Rioja leaves the most (€22,463) and Catalonia the least (€22,155), a gap of €308 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.