Autónomo on €40,000 a Year in Spain (2026): €2,343/month Net
An established autónomo in Madrid with €40,000 of annual net revenue keeps about €2,343 a month (€28,121 a year) in 2026, after €5,435 of Social Security and €6,444 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
€2,343
€453 quota a month
Net a month, tarifa plana
€2,601
first 12 months, €80 quota
Net a year
€28,121
from €40,000 net revenue
| Item | Per year |
|---|---|
| Net revenue | €40,000 |
| Social Security quota (€453 a month, bracket 11) | −€5,435 |
| IRPF income tax (16.1% of revenue) | −€6,444 |
| Take-home pay | €28,121 |
| Total burden (Social Security + IRPF) | 29.7% |
| IRPF taxable base (after quota and €2,000 allowance) | €32,565 |
| 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 €40,000 of net revenue that leaves €2,601 a month after IRPF of €7,826, which is €258 more each month than the regular quota.
€40,000 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 | €31,813 | €2,651 | €2,752 | +€3,692 |
| Melilla | €31,813 | €2,651 | €2,752 | +€3,692 |
| Madrid | €28,121 | €2,343 | €6,444 | reference |
| La Rioja | €28,069 | €2,339 | €6,495 | −€52 |
| Murcia | €27,956 | €2,330 | €6,608 | −€165 |
| Cantabria | €27,934 | €2,328 | €6,630 | −€187 |
| Canary Islands | €27,894 | €2,325 | €6,671 | −€227 |
| Castilla and Leon | €27,842 | €2,320 | €6,722 | −€279 |
| Valencian Community | €27,831 | €2,319 | €6,734 | −€290 |
| Galicia | €27,801 | €2,317 | €6,764 | −€320 |
| Asturias | €27,793 | €2,316 | €6,772 | −€328 |
| Aragon | €27,730 | €2,311 | €6,835 | −€391 |
| Andalusia | €27,725 | €2,310 | €6,840 | −€396 |
| Extremadura | €27,694 | €2,308 | €6,871 | −€427 |
| Castilla-La Mancha | €27,684 | €2,307 | €6,880 | −€437 |
| Balearic Islands | €27,665 | €2,305 | €6,900 | −€456 |
| Catalonia | €27,586 | €2,299 | €6,978 | −€535 |
Frequently Asked Questions
How much tax does an autónomo pay on €40,000 in Spain?
At €40,000 of annual net revenue an established autónomo in Madrid pays €5,435 of Social Security (€453 a month, bracket 11) and €6,444 of IRPF, €11,879 in total or 29.7% of revenue (2026 rules, no dependants, age 35).
How much does an autónomo keep from €40,000 a year?
About €28,121 a year, or €2,343 a month, after Social Security and IRPF. Net revenue here means income after business expenses, before Social Security and IRPF. IRPF is calculated on €32,565 after Social Security and a €2,000 allowance, less the €5,550 personal minimum.
Does tarifa plana change the numbers at €40,000?
In the first 12 months a new autónomo pays the €80 tarifa plana, so Social Security is €960 a year instead of €5,435. At €40,000 that is about €2,601 a month net instead of €2,343, €258 more each month. After the first year the quota follows your income bracket.
Which region is cheapest for an autónomo with €40,000?
Ceuta and Melilla pay least because they only owe 40% of the IRPF (€31,813 net a year at €40,000). Among the other regions Madrid leaves the most (€28,121) and Catalonia the least (€27,586), a gap of €535 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.