Tax simulator · 2026

What stays in your pocket?

Plan 2026: income tax, social security and quarterly payments. Free, no registration.

Your scenario

Monthly revenue excluding VAT (€)Monthly expenses excluding RETA and recoverable VAT (€)Province of tax residenceAlta date: new or existing autónomo

Years active at the end of 2026: 1.0

AgeChildren under 3Children aged 3–24Your share of child allowance (%)

Children qualify for the allowance: residence/dependency, income up to €8,000 and own tax-return limits.Reduced quota eligibility confirmed and requested at altaSimplified direct estimation: 5% difficult-to-document expenses, capped at €2,000/yearConfirm 20% relief: new activity, no activity in the previous year and former employer ≤50% of revenue

IVA

Revenue subject to Spanish VAT (%)VAT rate (%)Monthly deductible input VAT (€)

VAT follows the transaction rules, not just the client's country. Standard foreign B2B services are usually outside Spanish VAT. Enter input VAT only if deductible.

Inputs are calculated in your browser and are not sent to the server.

Annual take-home

€23,288

Estimated annual IRPF

€5,185

Annual social security

€5,127

IRPF uses regional scales verified for 2025 as a 2026 assumption. Regional changes to family allowances and personal deductions are excluded: results are provisional. Relief applies only after confirming eligibility.

Where your revenue goes each month

Download table

2026	Monthly revenue excluding VAT (€)	RETA	IRPF reserve	Take-home
1	€3,000	€427	€432	€1,941
2	€3,000	€427	€432	€1,941
3	€3,000	€427	€432	€1,941
4	€3,000	€427	€432	€1,941
5	€3,000	€427	€432	€1,941
6	€3,000	€427	€432	€1,941
7	€3,000	€427	€432	€1,941
8	€3,000	€427	€432	€1,941
9	€3,000	€427	€432	€1,941
10	€3,000	€427	€432	€1,941
11	€3,000	€427	€432	€1,941
12	€3,000	€427	€432	€1,941

When to pay

RETA: monthly, usually the last working day of the month.

Period	Filing window	Modelo 130	IVA · 303	Total
Q1 2026	1–20 · 04/2026	€1,252	€0	€1,252
Q2 2026	1–20 · 07/2026	€1,252	€0	€1,252
Q3 2026	1–20 · 10/2026	€1,252	€0	€1,252
Q4 2026	1–30 · 01/2027	€1,252	€0	€1,252

IRPF balance in the 2026 return (2027 filing season)€175

Modelo 130 advances are included in annual IRPF. A negative balance estimates a refund. Standard filing windows: check holiday shifts and direct-debit deadlines with AEAT. Exact 2027 income-return dates are not set here.

How this is calculated

Forecast for a Spanish tax resident, ordinary individual filing and one activity without IRPF withholding. Constant revenue; partial first month prorated by days. RETA uses minimum bracket bases and a 7% net-income adjustment, without cuota cero. Payroll, joint filing, other income, módulos and Beckham are outside this model.

RETA · boe-2026-03-31 · Andalucía

Official sources:AEAT · Modelo 130 AEAT · IRPF BOE · RETA 2026

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