Personal & Business Expenses for the Self-Employed (Autónomo)

If you are self-employed (autónomo) in Spain, your finances are probably scattered: one program for the bank, a spreadsheet for invoices, a folder of crumpled receipts and, somewhere, a note with tax deadlines. The problem isn't just the mess. When personal and business money mix without control, it's hard to know how much you really earn, which expenses you can deduct and how much to set aside for the Tax Agency (Hacienda). Organised personal and business expense management is exactly what makes the difference between flying blind and being truly in control of your business.

Key Takeaways

• All-in-one management: CONTA lets you manage your personal and business expenses from a single program, so you no longer switch between tools.
• Separate expenses: Keeping personal and business expenses apart prevents misclassification and makes it easier to identify your deductible expenses.
• Receipt scanning: Scanning receipts on the spot saves time and makes it easier to justify your deductions to the Tax Agency.
• Tax calendar: The tax calendar for autónomos reminds you of your quarterly filings before each deadline, so you never miss an obligation.
• Bank connection: Connect your bank and get an up-to-date view of your finances without entering data by hand.
• VeriFactu: Invoicing that complies with the rules of the AEAT (Spanish Tax Agency), so everything is in order.
• Tax forms: Forms 303, 130, 111, 115, 349 and the annual forms are generated automatically from your invoices and expenses, simplifying the tax process.
• Access for your accountant: Give your accountant or tax adviser access so they can review and supervise your filings directly in the program.

CONTA is software for the self-employed (autónomo) in Spain that brings both sides together: your personal and business expenses, kept separate but visible from a single interface. In other words, your personal and business finances in one program, without jumping between programs or doing the work twice.

Why using two different programs costs you time (and money)

Keeping your personal finances in one program and your business finances in another seems tidy, but in practice it creates three common problems for the self-employed:

• You don't get the full picture. To know whether you'll make it to the end of the month, you have to cross-check data from several tools.
• Errors creep in. A business expense paid with your personal card, or the other way round, ends up misclassified and left out of your deductions.
• You repeat tasks. You record the same transactions in two places and review twice what you could review once.

The answer isn't to mix everything, but to keep everything in one place with a clear line between personal and business: in short, to separate personal and business expenses while keeping everything in view.

What you can do with CONTA

One interface for all your money

From a single dashboard you can see your personal finances and your business finances, and switch between them in one click. Every transaction stays where it belongs, so you find what you need without searching across apps.

Separate categories for personal and business

Organise your household budget (salary, groceries, school, home insurance, leisure) alongside the income and expenses of your business (services provided, product sales, stock purchases, premises rent, utilities). That way you always know which part of your money belongs to the business and which to your personal life. Separating personal and business expenses like this avoids misclassification and helps you clearly identify your tax-deductible expenses as an autónomo.

Receipts scanned on the spot

Take a photo of a receipt or invoice as soon as you get it and it's saved and linked to the expense. No more hunting for lost receipts at the bottom of your wallet right when the quarter is due. Scanning receipts on the spot also makes it easier to justify your deductions to the Tax Agency if it reviews them.

Tax calendar reminders

CONTA's Spanish tax calendar for autónomos alerts you before every key date, such as the deadlines for your quarterly tax returns, so you have time to review your numbers calmly and don't leave it to the last day.

VeriFactu invoicing and automatic tax forms

CONTA has VeriFactu up and running, so your invoices comply with AEAT rules, with a secure, traceable system for every transaction.

Based on the invoices and expenses you record, CONTA calculates VAT and personal income tax (IRPF) and prepares forms 303, 130, 111, 115, 349 and the annual forms, together with the related reports. Your part is to review these documents and file them through the AEAT online office (Sede Electrónica), or review them with your accountant, who also has direct access to the program.

Secure connection to your bank accounts

Connect your bank to CONTA to see your up-to-date transactions and balances without entering them by hand. You'll get a real picture of your finances every time you log in.

Your accounting in Spain, in your own language

Use CONTA in Spanish, English, Russian or Romanian. The whole program is available in all four languages, so you understand every invoice, every expense and every tax form without relying on translators. It's especially useful if Spanish isn't your first language or if you work with international clients.

Separate, not divided: the key to staying in control

Having your personal and business expenses in one tool doesn't mean mixing them. It means being able to answer questions like these in seconds:

• How much have I earned this quarter after expenses?
• How much of my income should I set aside for taxes?
• How much do I really have left for personal expenses this month?

When your information is organised and in one place, making decisions is much easier and you reach every quarterly close without surprises.

FAQ

Do my personal expenses get mixed with my business expenses?

No. Each transaction is assigned to its area, personal or business, and you can view them separately or together, as you need.

Do I need accounting knowledge to use CONTA?

No. The program is designed for the self-employed who want clear numbers without complications: you record, categorise and check everything from a simple interface.

Can I still use my personal card for some business expenses?

Yes. Just classify that transaction as business so it's recorded under your business activity.

Start organising your finances today

Stop splitting your money between programs, spreadsheets and folders of receipts. With CONTA you get personal and business expense management in one place, with tax reminders, scanned receipts and your bank connected.

Start free and see how easy it is to stay in control of your finances as a self-employed professional.