How much to set aside each month for taxes
The question every autónomo asks in year one (and plenty still ask in year ten): out of every invoice I get paid, how much isn't actually mine? This calculator estimates your monthly tax reserve: VAT (IVA), IRPF and your autónomo quota (cuota de autónomos), for autónomos under the simplified direct estimation scheme (estimación directa simplificada).
How we calculate it
The IVA you charge your clients (21%) was never yours: it's paid in every quarter with the modelo 303, after deducting the IVA on your expenses. IRPF is estimated by applying the current general tax scale to your annualized income, with the general personal allowance. Your quota comes from your 2026 bracket. This is a careful, honest estimate, not your actual tax return: your real numbers depend on your region, your withholdings and your personal circumstances.
This exact thing, but with your real numbers and updated every day, is what kontora does. Join the beta.
Figures verified against the Spanish Official Gazette (BOE: Orden PJC/297/2026, RDL 3/2026, consolidated income-tax law) on 17 July 2026.