Self-employed quotas 2026: news and changes

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

This is a monthly contribution that allows you to access benefits such as health care, temporary disability or retirement.

Understanding how this fee works, what its amount is and how you can adapt it is essential to better manage your finances and avoid unforeseen events throughout the year.

How is the self-employed quota calculated?

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

This implies that, when you register, you must estimate your annual net return to select the corresponding contribution base, in accordance with the general table of bases, which is updated each year in the General State Budget Law.

This table organizes income in a progressive system with different sections, and each section establishes a minimum and maximum contribution base.

Within those limits, you can choose the foundation that best suits your situation.

In addition, if throughout the year your income changes with respect to the initial estimate, you have the possibility of modifying the contribution base up to six times a year to adjust it to your economic reality, as indicated in the Ministry of Social Security.

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

In 2026, the self-employed quota is expected to undergo changes again 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 this proposal, self-employed workers located in the lowest bracket, with incomes of less than 670 euros per month, would go from paying a monthly fee of €200 to approximately €217.

For their part, those who declare income greater than €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 contemplate:

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

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

Extension of another 12 months if income is less than the SMI.

What will be the minimum quota for the self-employed in 2026?

According to the increases proposed by the Government for the self-employed quota in 2026, below is the table of contribution brackets and the minimum quotas that would be applied 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 section.

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

Planning and forecasting

Knowing the news about self-employed quotas is only the first step.

The really important thing is to anticipate how these changes will affect your economy month by month and make decisions in advance, not when the impact is already in your bank account.

Good planning allows you to predict how much you are going to pay, adjust your contribution base according to your real income and avoid imbalances at the end of the year.

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

With Conta.es you can keep clear control of your income and expenses, better understand how fees influence your activity and plan your numbers with greater peace of mind.

Having organized information helps you make better decisions and adapt to regulatory changes smoothly.

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.