Self-employed quotas 2026: news and changes

If you work as a self-employed professional, one of your main financial obligations is to pay the Social Security contribution.

This is a monthly contribution that allows you to access benefits such as healthcare, temporary incapacity, or retirement.

Understanding how this contribution works, what its amount is, and how you can adjust it is essential to better manage your finances and avoid unexpected situations throughout the year.

How is the self-employed contribution calculated?

Since January 1, 2023, self-employed professionals contribute according to their actual income.

This means that, when registering, you must estimate your annual net income in order to select the corresponding contribution base, according to the general table of bases, which is updated each year in the General State Budget Law.

This table organizes income into a progressive system with different brackets, and each bracket establishes a minimum and a maximum contribution base.

Within those limits, you can choose the base that best fits your situation.

In addition, if during the year your income changes compared to your initial estimate, you have the possibility to modify your contribution base up to six times per year in order to adjust it to your real economic situation, as indicated by the Ministry of Social Security.

What will the self-employed contributions be like in 2026?

In 2026, the self-employed contribution is expected to undergo further modifications that will affect millions of professionals in the next fiscal year.

Initially, the Government proposed monthly increases ranging from 17 to 206 euros, depending on the net income bracket.

According to that proposal, self-employed professionals in the lowest bracket, with income below 670 euros per month, would go from paying a monthly contribution of 200 € to approximately 217 €.

Meanwhile, those declaring income above 6,000 € per month could contribute up to 796 € per month.

However, criticism of these increases has led the Government to reconsider the measure and propose a new approach that would:

• Maintain unchanged contributions for the lowest income brackets, specifically the first three contribution brackets, corresponding to self-employed professionals with income of up to 1,166.7 € per month.
• Apply moderate increases, between 1 % and 2.5 %, for the higher brackets, which would mean contribution increases between 2.9 € and 14.75 € per month.

Flat rate 2026: It remains at 80 € per month for 12 months for new self-employed professionals.

Extension for another 12 months if income is below the Minimum Interprofessional Wage.

What will be the minimum self-employed contribution in 2026?

According to the increases proposed by the Government for the self-employed contribution in 2026, below is the table of contribution brackets and the minimum contributions that would apply in the next fiscal year:

The amounts are indicative and may vary depending on the contribution base selected within the minimum and maximum limits of each bracket.

To adjust them more precisely to your income, you can use the Social Security Self-Employed Contribution Calculator.

Planning and forecasting

Knowing the updates regarding self-employed contributions is only the first step.

What truly matters is anticipating how these changes will affect your finances month by month and making decisions in advance, not when the impact is already reflected in your bank account.

Good planning allows you to foresee how much you will pay, adjust your contribution base according to your actual income, and avoid imbalances at the end of the year.

For many self-employed professionals, the lack of foresight is what generates liquidity tensions and unexpected payments.

With Conta.es you can maintain clear control of your income and expenses, better understand how contributions affect your activity, and plan your finances with greater peace of mind.

Having your information organized helps you make more accurate decisions and adapt to regulatory changes without disruptions.

If you are self-employed and want to manage your activity with more foresight and less improvisation, you can start using Conta.es and plan your year with greater security starting today.