Compare a salary offer with freelancing for the same client. See what you keep in each case, and what you'd need to invoice to match the salary.
Enter what you invoice and what you spend. We take off your cuota de autónomos and income tax (IRPF) using the official 2026 tables.
Your monthly cuota depends on your net business income. Your band is highlighted. These are the minimum cuotas; you can choose to pay more for a higher future pension.
| Band | Net income per month | Minimum base | Monthly cuota |
|---|
This is an estimate, not tax advice. It assumes simplified direct estimation (estimación directa simplificada), a full year of activity, no other income, and the standard combined IRPF scale. Regional rates, family allowances and the low-income reduction can lower your tax. Figures use the 2026 Social Security tables (cuotas carried over from 2025, total rate 31.5%).