Editorial team
Choosing an accountant
Our take on Quipu for the self-employed in Spain: regular and promotional prices, plan limits, annual cost and the difference between buying software and handing off your tax work.
12 min read
Taxes and income tax
When you must file the Renta, Spain's income tax return: €22,000 with one payer, €15,876 with several, €1,000 if you invoice without being autónomo, and always if you were autónomo. With tables, 2026 examples and common mistakes.
11 min read
Practical guides
How to get the FNMT digital certificate in Spain in 2026: the four routes (office, DNIe, video and app), what it costs, how long it takes, how to renew it, what changes with the 2028 expiry and when Cl@ve is enough.
12 min read
Taxes and income tax
What the módulos system (estimación objetiva) is, who can use it in 2026, the €250,000 and €125,000 limits, how it is calculated with a hairdresser as a worked example, and when estimación directa is the better choice.
13 min read
Getting started
What the autónomo flat rate (tarifa plana) is in 2026, what you really pay (€80 plus the MEI), who can apply, how and when to ask for the second-year extension, and a worked example in euros of what you save.
13 min read
Getting started
What pluriactividad means in 2026, what you pay as an autónomo when you also have a salary, how the 50% refund above €17,323.68 works, and what happens to sick leave, your pension and your tax return, with a worked example in euros.
12 min read
Invoicing
When VeriFactu becomes mandatory: the date in force (1 July 2027 for the self-employed, 1 January 2027 for companies), the delay announced to October 2028 and a dated plan.
12 min read
Taxes and income tax
How VAT works if you are self-employed in Spain in 2026: the 21%, 10% and 4% rates, exempt activities, the reverse charge, special schemes, Form 303 deadlines and a real quarter worked through with numbers.
13 min read
Taxes and income tax
What a requerimiento from Hacienda is, how to read it, how long you have (generally at least 10 working days), how to reply on the AEAT portal (usually with the CSV), what happens if you ignore it (fines from €150) and a 2026 worked example.
12 min read
Getting started
Requirements for Spain's digital nomad visa in 2026 (minimum income of €2,849 a month, fee, processing times), how to apply from abroad or from inside Spain, and the taxes you pay: RETA registration, VAT, IRPF and the Beckham regime.
14 min read
Choosing an accountant
Ten options for the self-employed in Spain, compared by scope, price, Renta and tax agency letters. Includes software, a traditional gestoría as a benchmark and a worked annual cost. Reviewed on 12 October 2026.
14 min read
Getting started
The official table of the 15 bands for self-employed social security contributions in Spain in 2026, the 31.50% rate, how to work out your net income, a worked example in euros with the year-end adjustment and the costliest mistakes.
11 min read
Your agent gathers your documents and our professionals prepare your taxes.