---
title: "Self-employed fees 2026: what you need to know right now"
description: The Spanish government plans to raise self-employed contributions between €17 and €206 in 2026. Here’s what we know and how it could affect you.
image: https://blog.xolo.io/hubfs/Xolo_Global_Genric_Blog_image_1280x854-60.jpg
---
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# Self-employed fees 2026: what you need to know right now
Written by [Xolo](https://blog.xolo.io/es-us/author/xolo)
on octubre 17, 2025 • **3 min of reading**
## Self-employed fees 2026: what you need to know right now
We know… news about higher social security contributions never comes with good vibes 🫠.
And yes, it looks like 2026 will bring a new increase for Spain’s self-employed workers — with monthly rises ranging from **0% to 2.5%**, depending on each person’s income bracket.
The proposal, presented by the Spanish government, isn’t final yet — but it’s already sparked concern among freelancers wondering what it really means for them.
At Xolo, we want to walk you through **what’s actually known so far**, **what’s still pending**, and **how to prepare without stress**.
## 👀 What’s in the proposal?
The Ministry of Inclusion, Social Security and Migration has proposed **adjusting the contribution bases** for freelancers under the RETA system.
The idea is simple: that each self-employed person contributes **in line with what they actually earn**, through a more progressive and realistic scale.
In theory, this would mean:
- **Smaller increases** for those earning less
- **More noticeable rises** for mid- and high-income brackets
- **A broader contribution scale** to better reflect income differences
The official goal is to strengthen the pension system’s sustainability and balance contributions more fairly across income levels.
💡 As of now, the exact brackets and percentages are **still undefined**, and it’s not yet clear if there will be **temporary bonuses or reliefs** for new freelancers. So the best thing you can do is **stay informed**, without stressing over it.
## 📊 Proposed self-employed fees for 2026–2028
While the final version hasn’t been approved, the Ministry has shared an **initial draft table** showing how contributions could look from 2026 onwards.
These figures are part of the **government’s proposal** and may still change before final approval. Still, they give a general idea of how contribution brackets could be distributed. 👇
| **Monthly income (€)** | **Current contribution 2025 (€)** | **New contribution proposal 2026 (€)** | **2028 contribution (€)** |
| --- | --- | --- | --- |
| Up to €670 | €200 | €200 | ± 0.0% |
| €670 – €900 | €291 | €294 | + 1.0% |
| €900 – €1,166.70 | €294 | €297 | + 1.0% |
| €1,166.70 – €1,300 | €294 | €297 | + 1.0% |
| €1,300 – €1,500 | €350 | €355 | +1.5% |
| €1,500 – €1,700 | €370 | €376 | +1.5% |
| €1,700 – €1,850 | €390 | €396 | +1.5% |
| €1,850 – €2,030 | €415 | €423 | +2.0% |
| €2,030 – €2,330 | €440 | €449 | +2.0% |
| €2,330 – €2,760 | €465 | €474 | +2.0% |
| €2,760 – €3,190 | €490 | €502 | +2.5% |
| €3,190 – €3,620 | €530 | €543 | +2.5% |
| €3,620 – €4,050 | €220 | €220 | ± 0.0% |
| €4,050 – €6,000 | €260 | €260 | ± 0.0% |
| Over €6,001 | €590 | €605 | +2.5% |
(*Source: Proposal presented by the Ministry of Inclusion, Social Security and Migration - October 2025. Figures may change before final approval.)*
As you can see, the difference between brackets is significant — especially for freelancers in the middle-income range.
## 💬 How freelancers’ associations have reacted?
The main associations have already voiced their concerns and called for a **balanced and well-negotiated reform**.
- **ATA** opposes “disproportionate” increases and demands **deductions, support measures and transition periods** to protect those with tighter margins.
- **UPTA** insists on **transparency** in the calculations and highlights that many small businesses already operate on very slim profit margins.
- **CEAT** agrees the system needs updating but asks for **less bureaucracy and more fiscal incentives**.
**In short:**
👉 Any change should be **gradual, fair, and accompanied by real measures** that support entrepreneurship instead of making it harder.
## 🔍 What’s still to be defined?
For now, there are **no official tables or confirmed dates**.
If approved, the new contribution brackets could take effect **from January 2026**, although discussions are still ongoing.
In the meantime, we recommend that you:
- Review your current contribution base
- Estimate how a potential increase could affect your income
- Keep an eye on updates from the Ministry and Social Security
## 💡In summary
Everything suggests that **self-employed contributions will rise progressively between 2026 and 2028**, with average increases ranging from **0% to 2.5% per month**, depending on income levels.
In practical terms:
- Freelancers with **lower incomes** would face moderate rises
- Those in **mid-income brackets** may notice more substantial increases
- And those with **higher earnings** could see higher increases by the end of the period.
Although the details are not final, it’s a good time to review your contribution base, check where you stand, and prepare for the coming changes calmly and proactively.
## 💬 Freelancing made easy with Xolo
We know changes like these are rarely good news — but you don’t have to face them alone.
With **Xolo**, managing your freelance activity is **simple, transparent and stress-free**.
We handle your paperwork, invoicing, tax filings and legal obligations so you can focus your time and energy on what really matters: **growing your business**.
👉 [**Discover Xolo**](https://www.xolo.io/es-en) **& forget the stress of being self-employed.**
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