Self-employed vs. salaried in Spain: which calculator to use

Compare the RETA and Personal Income Tax quota for the self-employed with payroll, Social Security and Personal Income Tax by employee brackets.

If you invoice on your own, the self-employed calculator estimates RETA and annual personal income tax.

If you are an employee, use payroll + worker Social Security + personal income tax brackets.

The right choice depends on your employment relationship, not the gross amount alone.