How much does it cost to be self-employed?
Use our 2026 self-employed contribution calculator to see how much you may need to invoice each month to reach your target take-home income. We’ll also estimate your self-employed contribution, flat rate and income tax.
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Only sole traders and limited company (SL) directors in Spain can apply. Ts&Cs apply.
This page is just a general guide. It’s not personal tax advice, and your situation might be different from what we’ve described here. If you’re not sure what to do, it’s best to speak to a tax adviser or gestor.
You'd need to invoice
€1,851
for your first 12 months.
excluding IVA.
Your final amounts will vary. This is a rough guide.
Spain’s new business bank account
Free? Check. Less financial admin? Absolutely. From getting paid to invoicing and managing your money, Monzo helps freelancers and businesses do more without paying more.*
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