Autónomo on €35,000 a Year in Spain (2026): €2,055/month Net
An established autónomo in Madrid with €35,000 of annual net revenue keeps about €2,055 a month (€24,664 a year) in 2026, after €5,127 of Social Security and €5,209 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
€2,055
€427 quota a month
Net a month, tarifa plana
€2,306
first 12 months, €80 quota
Net a year
€24,664
from €35,000 net revenue
| Item | Per year |
|---|---|
| Net revenue | €35,000 |
| Social Security quota (€427 a month, bracket 10) | −€5,127 |
| IRPF income tax (14.9% of revenue) | −€5,209 |
| Take-home pay | €24,664 |
| Total burden (Social Security + IRPF) | 29.5% |
| IRPF taxable base (after quota and €1,750 allowance) | €28,123 |
| 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 €35,000 of net revenue that leaves €2,306 a month after IRPF of €6,367, which is €251 more each month than the regular quota.
€35,000 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 | €27,654 | €2,305 | €2,219 | +€2,990 |
| Melilla | €27,654 | €2,305 | €2,219 | +€2,990 |
| Madrid | €24,664 | €2,055 | €5,209 | reference |
| La Rioja | €24,648 | €2,054 | €5,225 | −€16 |
| Cantabria | €24,553 | €2,046 | €5,320 | −€111 |
| Murcia | €24,522 | €2,044 | €5,351 | −€142 |
| Canary Islands | €24,491 | €2,041 | €5,383 | −€174 |
| Valencian Community | €24,468 | €2,039 | €5,406 | −€197 |
| Extremadura | €24,446 | €2,037 | €5,428 | −€219 |
| Castilla and Leon | €24,439 | €2,037 | €5,434 | −€225 |
| Galicia | €24,437 | €2,036 | €5,436 | −€227 |
| Asturias | €24,389 | €2,032 | €5,484 | −€275 |
| Aragon | €24,371 | €2,031 | €5,502 | −€293 |
| Andalusia | €24,366 | €2,031 | €5,507 | −€298 |
| Balearic Islands | €24,356 | €2,030 | €5,517 | −€308 |
| Castilla-La Mancha | €24,325 | €2,027 | €5,548 | −€339 |
| Catalonia | €24,272 | €2,023 | €5,602 | −€393 |
Frequently Asked Questions
How much tax does an autónomo pay on €35,000 in Spain?
At €35,000 of annual net revenue an established autónomo in Madrid pays €5,127 of Social Security (€427 a month, bracket 10) and €5,209 of IRPF, €10,336 in total or 29.5% of revenue (2026 rules, no dependants, age 35).
How much does an autónomo keep from €35,000 a year?
About €24,664 a year, or €2,055 a month, after Social Security and IRPF. Net revenue here means income after business expenses, before Social Security and IRPF. IRPF is calculated on €28,123 after Social Security and a €1,750 allowance, less the €5,550 personal minimum.
Does tarifa plana change the numbers at €35,000?
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 €35,000 that is about €2,306 a month net instead of €2,055, €251 more each month. After the first year the quota follows your income bracket.
Which region is cheapest for an autónomo with €35,000?
Ceuta and Melilla pay least because they only owe 40% of the IRPF (€27,654 net a year at €35,000). Among the other regions Madrid leaves the most (€24,664) and Catalonia the least (€24,272), a gap of €393 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.