On the proposed new aut贸nomo cuotas.
However high they end up being, do not forget that they are tax deductible.
That means every time the social security payment becomes bigger, your tax bill becomes a little smaller.
This is why the true net burden of your Seguridad Social cuota on your purse is smaller than the number you see.
The more you earn, the more pronounced this effect is.
(Steps to calculate YOUR net burden below 馃憞)
Say you earn 3,000 Euros a month in profit and we might be seeing the projected increase (which is not decided yet!!!)
- 465 Euros / month for 2025
- 507 Euros / month for 2026
- 575 Euros / month for 2027
- 642 Euros / month for 2028
your REAL NET burden, in terms of less spending money that you will have left for your own life, will be as follows:
- 332 Euros / month for 2025
- 362 Euros / month for 2026
- 411 Euros / month for 2027
- 459 Euros / month for 2028
(This is using the generic taxfix income tax calculator that WILL differ from your real tax bill but should give a rough idea)
Still bad, no doubt, but important to bear in mind.
If you are one of the lucky few who earn, say, 7,000 per month, the difference is even more pronounced:
-
2025 payment = 590 net burden = 325 (less than the person making 3k pays right now!)
-
2026 payment = 796 net burden = 438
-
2027 payment = 1002 net burden = 551
-
2028 payment = 1209 net burden = 665
Steps to roughly calculate your own burden:
Go to a calculator like the taxfix one, Google "Calculadora de sueldo neto de aut贸nomo"
- Switch to "quiero saber mi sueldo mensual"
- Enter your yearly projected income
- Enter "0" for "cuota mensual de aut贸nomos"
The resulting monthly "sueldo neto" is your earnings if you did NOT pay any cuota at all
Then enter the projected number for your income range in "cuota mensual de aut贸nomos"
The "sueldo neto" will shrink
The difference between the first and the second sueldo neto is your REAL social security burden.
One day I will program a calculator for this that does this with fewer steps.
This is assuming that income tax rates stay roughly the same in 2026-2028 which they may not. Also remember I am not a professional accountant and none of this is tax advice and I do not assume any responsibility for the correctness of anything I have said here! 馃憤