How much to invoice to reach your target net income
Find out how much you need to invoice to reach the net income you want.
Your details
The revenue you need
You need to invoice about
€43,408.24
for the year
- Net income for the year
- €26,400.00
- Self-employed contributions for the year
- €5,126.52
- Income tax for the year
- €5,881.72
- Expenses for the year
- €6,000.00
Minimum base in each band
- The revenue you need
- €43,721.86
- Monthly revenue
- €3,643.49
- Monthly contribution base used
- €1,437.91
- Self-employed contributions for the year
- €5,435.28
- Income tax for the year
- €5,883.01
Minimum base in each band
- The revenue you need
- €49,627.13
- Monthly revenue
- €4,135.59
- Monthly contribution base used
- €1,519.61
- Self-employed contributions for the year
- €5,744.16
- Income tax for the year
- €7,414.52
Maximum base in each band
- The revenue you need
- €51,965.32
- Monthly revenue
- €4,330.44
- Monthly contribution base used
- €3,620.00
- Self-employed contributions for the year
- €13,683.60
- Income tax for the year
- €5,881.72
Maximum base in each band
- The revenue you need
- €55,045.24
- Monthly revenue
- €4,587.10
- Monthly contribution base used
- €4,050.00
- Self-employed contributions for the year
- €15,309.00
- Income tax for the year
- €6,265.86
Minimum base in each band
- The revenue you need
- €55,358.43
- Monthly revenue
- €4,613.20
- Monthly contribution base used
- €1,601.31
- Self-employed contributions for the year
- €6,052.92
- Income tax for the year
- €9,323.22
Maximum base in each band
- The revenue you need
- €60,757.63
- Monthly revenue
- €5,063.14
- Monthly contribution base used
- €5,101.20
- Self-employed contributions for the year
- €19,282.56
- Income tax for the year
- €6,725.09
Minimum base in each band
- The revenue you need
- €60,983.88
- Monthly revenue
- €5,081.99
- Monthly contribution base used
- €1,732.03
- Self-employed contributions for the year
- €6,547.08
- Income tax for the year
- €11,165.35
Minimum base in each band
- The revenue you need
- €86,494.63
- Monthly revenue
- €7,207.89
- Monthly contribution base used
- €1,928.10
- Self-employed contributions for the year
- €7,288.20
- Income tax for the year
- €20,936.37
Maximum base in each band
- The revenue you need
- €86,494.63
- Monthly revenue
- €7,207.89
- Monthly contribution base used
- €5,101.20
- Self-employed contributions for the year
- €19,282.56
- Income tax for the year
- €15,810.31
Would you like your adviser to handle it for you?
Finlai keeps your income, expenses and taxes up to date, with an adviser who reviews your case.
Assumptions
- Tax year 2026, full-year Spanish tax residence and an individual return.
- Only income from this activity, with deductible annual expenses and no previous losses.
- Complete selected months, ordinary coverage and the contribution bases shown.
Amounts are calculated in this browser. They are not sent, saved or added to the page address.
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We subtract your annual expenses, projected contributions and estimated income tax from your revenue.
Net income is an economic estimate before income tax credits, not cash available in your bank. We do not add VAT/IGIC/IPSI or deduct withholding and advance tax payments again. Alternatives are specific scenarios, not a statistical range or a recommendation of contribution base. Estimated rounding has not been proven identical to official calculations.
Tax year 2026, for an individual aged 18 to 65 who is tax-resident in Spain throughout the year, files individually and uses normal or simplified direct assessment. You must confirm the conditions in the form. Other income, additional family or disability allowances, carried-forward losses and special reductions are not covered. The tool does not calculate the Basque or Navarre tax systems or cases in Ceuta or Melilla.
2026 version for ordinary individual contributions without incentives or special situations. The annual method only covers the described tax scenario and excludes a negative sum of activity income and contributions. The monthly method accepts a confirmed negative amount and uses the first reduced band. The Basque Country and Navarre can only use the already calculated monthly method, without deriving regional income tax or offering advisory services. Ceuta and Melilla are excluded in both methods.
Rules checked on 26 September 2026. Sources are in Spanish; this is not an official government calculator.
- Spanish Income Tax Law: income, personal allowance and scales
- Spanish income-tax regulations: simplified direct assessment
- Ministry of Finance: regional taxation in 2026
- Canary Islands Law 9/2025: regional scale, eleventh final provision
- General Social Security Law: article 308
- Contribution regulations: article 46
- 2026 contribution order: bases and rates
What are the income tax brackets in 2026?
Income tax uses 6 progressive brackets: from 19% on the first €12,450 of taxable base to 47% for income above €300,000. Because it is tiered, only the portion of income above each threshold is taxed at the higher rate. In practice, the average effective rate paid by a freelancer is usually between 18% and 20% of net profit.
How much is the freelancer contribution in 2026?
Using the minimum base in each bracket, the ordinary monthly freelancer contribution in 2026 ranges from about €205.88 to €607.35. Earnings of exactly €1,166.70/month already fall within the general table. If you have just registered, you can use the €80/month flat rate for the first 12 months.