Self-Employed in Spain? Use This Official Calculator to Check Your 2025 Social Security Payments

New 2025 Calculator for Autónomo Contributions

If you’re self-employed in Spain, the amount you pay in social security now depends on your real income — and there’s an official calculator to help you get it right.

Developed by the Spanish government, the online contributions simulator lets autónomos enter their estimated net income for the year and see what their monthly quota should be under the 2025 thresholds.

The calculator is easy to use and has been updated with the final brackets and quotas in place until at least 2026. If you're unsure which bracket you fall into — or whether your payment level might increase or decrease — this tool gives you a clear figure before you register or make changes to your base.

How the 2025 System Works

This is the second full year of Spain’s overhauled self-employed contribution system. Instead of paying a fixed monthly fee, autónomos now pay a variable amount depending on what they actually earn. There are 15 income brackets, and your contribution base must align with your expected net earnings.

Here’s the general breakdown:

• If you earn under €1,300/month net, you’ll pay less than under the old scheme.
• If you earn between €1,300–€1,700/month, your payment stays roughly the same.
• If you earn more than €1,700/month, your quota increases gradually each year through 2025.

Full details for each income band are available inside the official simulator. You can adjust your expected income if your circumstances change, and you’ll have up to six opportunities per year to update your declared base via Import@ss.

Minimum and Maximum Bases in 2025

The current minimum contribution base is €960.60 per month. The maximum is €4,139.40. However, what you pay monthly will depend entirely on which bracket your declared annual income falls into. Contributions cover pensions, sick leave, workplace accidents, and other social security benefits.

Adjustments and Refunds

At the end of the tax year, your declared income will be compared to your actual income. If you’ve overpaid, you’re entitled to a refund. If you’ve underpaid, you’ll need to make up the shortfall. This makes it crucial to estimate your income as accurately as possible and to use the calculator as a planning tool, not just a check.

Want to Contribute More Toward Your Pension?

If you're earning well and want to improve your state pension outlook, you can voluntarily increase your contribution base. This is a strategic choice many freelancers and entrepreneurs make to secure better long-term benefits — especially if they’ve had years of low contributions.

Registering as Self-Employed in Spain?

If you're just getting started, read our full guide: Registering As Self Employed Autonomo In Spain. It walks you through how to join the RETA system, what documents you need, and how to set up your first social security payments correctly.

Need Private Cover That Supports the Self-Employed?

Many freelancers also choose a private health policy to speed up treatment and reduce downtime. If you're self-employed and not yet living in Spain, or you prefer a no co-payment plan, we recommend the Sanitas Professional Plan. For those already in Spain who are happy with co-payments, the Sanitas Professional Plus Plan is also available.