VERI*FACTU arrives in 2027. Affected businesses will need to adapt their invoicing software. What it means for you →
Your freelance hourly rate
Work out what to charge per hour to reach your income target. We start with your desired take-home income, add fixed costs, self-employed contributions and an income-tax buffer, then divide it across billable hours.
Enter your actual contribution or an estimate for your income band.
This is a planning reserve, not a calculated tax rate.
The percentage is a planning buffer, not your actual income-tax rate.
How it is calculated
We start with your desired monthly take-home income and add fixed costs and the self-employed contribution you enter. To cover income tax and contingencies, we divide the total by one minus the buffer: required billing = (target + costs + contribution) ÷ (1 − buffer).
The hourly rate is required billing divided by monthly billable hours (billable days × hours per day). The daily rate is the hourly rate multiplied by daily billable hours.
The buffer is illustrative, not your actual income-tax rate. Only billable hours count, not administration, business development, holidays or sick leave. Adjust the contribution, percentage and availability to your circumstances.
Illustrative calculation. This is not tax or employment advice; your specific circumstances may differ.
More tools
VAT calculator
Add or extract VAT from any amount. Taxable amount, VAT and total in seconds.
Self-employed invoice calculator
Calculate VAT and personal income tax withholding on an invoice. See the invoice total and net amount receivable.
Self-employed contribution
Your monthly and annual contribution by income band under Spain’s income-based contribution system.
The deadline is already on the calendar. Your new gestoría can be too.
Limited places in the pilot programme for self-employed people. Tell us about your business and we’ll let you know whether Zolven can already run its back office.
We reply within 24 hours · hola@zolven.ai