Autónomo on €45,000 a Year in Spain (2026): €2,613/month Net
An established autónomo in Madrid with €45,000 of annual net revenue keeps about €2,613 a month (€31,352 a year) in 2026, after €5,744 of Social Security and €7,904 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
€2,613
€479 quota a month
Net a month, tarifa plana
€2,868
first 12 months, €80 quota
Net a year
€31,352
from €45,000 net revenue
| Item | Per year |
|---|---|
| Net revenue | €45,000 |
| Social Security quota (€479 a month, bracket 12) | −€5,744 |
| IRPF income tax (17.6% of revenue) | −€7,904 |
| Take-home pay | €31,352 |
| Total burden (Social Security + IRPF) | 30.3% |
| IRPF taxable base (after quota and €2,000 allowance) | €37,256 |
| 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 €45,000 of net revenue that leaves €2,868 a month after IRPF of €9,621, which is €256 more each month than the regular quota.
€45,000 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 | €35,883 | €2,990 | €3,373 | +€4,531 |
| Melilla | €35,883 | €2,990 | €3,373 | +€4,531 |
| Madrid | €31,352 | €2,613 | €7,904 | reference |
| La Rioja | €31,261 | €2,605 | €7,995 | −€91 |
| Murcia | €31,098 | €2,592 | €8,158 | −€254 |
| Cantabria | €31,098 | €2,591 | €8,158 | −€254 |
| Canary Islands | €31,093 | €2,591 | €8,163 | −€259 |
| Castilla and Leon | €31,009 | €2,584 | €8,247 | −€343 |
| Valencian Community | €30,949 | €2,579 | €8,307 | −€403 |
| Galicia | €30,945 | €2,579 | €8,311 | −€407 |
| Aragon | €30,932 | €2,578 | €8,324 | −€420 |
| Andalusia | €30,865 | €2,572 | €8,391 | −€487 |
| Asturias | €30,830 | €2,569 | €8,425 | −€521 |
| Castilla-La Mancha | €30,824 | €2,569 | €8,432 | −€528 |
| Balearic Islands | €30,760 | €2,563 | €8,496 | −€592 |
| Extremadura | €30,716 | €2,560 | €8,540 | −€636 |
| Catalonia | €30,624 | €2,552 | €8,632 | −€728 |
Frequently Asked Questions
How much tax does an autónomo pay on €45,000 in Spain?
At €45,000 of annual net revenue an established autónomo in Madrid pays €5,744 of Social Security (€479 a month, bracket 12) and €7,904 of IRPF, €13,648 in total or 30.3% of revenue (2026 rules, no dependants, age 35).
How much does an autónomo keep from €45,000 a year?
About €31,352 a year, or €2,613 a month, after Social Security and IRPF. Net revenue here means income after business expenses, before Social Security and IRPF. IRPF is calculated on €37,256 after Social Security and a €2,000 allowance, less the €5,550 personal minimum.
Does tarifa plana change the numbers at €45,000?
In the first 12 months a new autónomo pays the €80 tarifa plana, so Social Security is €960 a year instead of €5,744. At €45,000 that is about €2,868 a month net instead of €2,613, €256 more each month. After the first year the quota follows your income bracket.
Which region is cheapest for an autónomo with €45,000?
Ceuta and Melilla pay least because they only owe 40% of the IRPF (€35,883 net a year at €45,000). Among the other regions Madrid leaves the most (€31,352) and Catalonia the least (€30,624), a gap of €728 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.