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Social Security calculator
for autónom@s in Spain

Calculate your monthly contribution and what you would get in return.

Euros Hints
Insert here all the income from your autónomo activity (before taxes) in the calendar year you want to do the calculation for.

If you have a regular job and are working as an autónomo alongside (pluriactividad), this tool may not provide accurate results for you.
Euros Hints
All your yearly tax-deductible business expenses EXCEPT:

  • - any taxes
  • - social security payments

Remember to include only expenses from your autónomo business, not personal deductions you can apply to your income tax like private health insurance.
Hints
Autónomo payments rise yearly, set a couple of years in advance based on a complex negotiation process between state institutions and autónomo lobbying groups.

This is why it is important to choose the correct year for the calculation.
Hints
Choose a discount scheme if you know you are eligible for it. Most of these have to be actively applied for and come with many conditions - do not just assume you are eligible. One assumption is fairly safe though: if you're just starting as autónomo for the first time, you're most likely eligible for the first-year 80 Euro flat rate.
Hints
If you are an administrator of an S.L. (autónomo societario) turn this on. You have a 3% generic deduction instead of 7% and a minimum contribution base of 1,000 euros, regardless of how much you earn.
months Hints
If you start or stop mid-year, enter the number of months you will actually be registered as autónomo this year. The yearly total scales accordingly.
Hints

For definite information, especially before making any life-changing decisions, talk to a professional to confirm.

Results are merely orientative and provided without any guarantee. Many special cases are not covered. All calculations have been tested to the best of the author's knowledge, but no guarantee is given in regard to accuracy. Note that there are conditions around how and when you can receive sick pay, paternity pay, and pensions.

1 comment

One comment

  1. Pekka Nikolaus

    There are social security calculators out there, but I don't think there's one that is quite detailed. You can adjust contributions and see what you would really be getting, as well as an estimate of your pension, even though I imagine the rules around that might change before most of you enter pension age. Give it a try and let me know how it works for you!

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MEI (Mecanismo de Equidad Intergeneracional)

MEI is an extra Social Security contribution that funds the state pension reserve. In 2026 it is 0.90% of your contribution base, paid in full by the self-employed. It rises 0.1 points a year to 1.2% in 2029 and buys you no additional pension rights.