The Executive poses a progressive change in the fees for the self-employed from 2026, adjusted according to income. Know the stages, risks, and how to adapt.
What is proposed to 2026?
The Government has filed a proposal to raise fees for the self-employed that could come into force in January 2026. This reform is not a simple uniform increase: it is suggested that each self-pay according to what you actually earnadjusting the fees based on your actual income.
According to the filtered data:
- The fees are lower, for those who have a net income low (below 670 €/month), you could upload a few 17 €/month, standing around 217 €/month.
- For self-employed persons with higher income (more than 6.000 €/month), the fee proposal could achieve 796,24 €/month, which represents an increase of 206 € with respect to the current price.
- The model includes 15 sections quote to cover different levels of income.
- Not only does the proposal affect 2026: the increases would remain in 2027 and 2028.
However, these figures are not yet final. Are being negotiated with the associations of self-employed and must be approved by law. Many groups warn that this measure has real risks if not accompanied by measures of protection.
How can it affect to the self-employed?
For those who are billed on a little or are in the lower reaches
If you have low income, the increase may be moderate in absolute terms (for example +17 €). But that can make a difference if you operate with narrow margins. The fixed charge monthly rises, regardless of whether any of the months your income to go down. That is to say: you could pay more in bad months.
For the self-employed billing much
If you're in a high stretch of income, the increase can be considerable (up to +206 €/month). For business with stability, you may be able to deal with it. But the steep ascent can put strain on cash flows in difficult years.
For those who work irregular shape
If your income varies a lot from month to month, this model can generate uncertainty. Could you pass a high stretch a month, and one more in another month. The proposal provides for adjustments, but will depend on the rules final.
Our opinion, is fair or disproportionate?
From IURIT we think that the idea of linking the contributions to the real income is correct in principle: more justice tax, more proportionality. But the devil is in the details. If the segments, or increments the adjustment rules are not well defined, the model can penalize you in excess to those who work with income variables, or in sectors volatile.
- A sharp increase in sudden can leave many self-employed “paying more” in periods of low activity.
- It is critical that you include sections of transition or safeguards to not strangle small businesses or new entrepreneurs.
- It is also key that the reform is accompanied by improvements in performance (retirement, unemployment for the self-employed) for that additional expense to have some return.
- It is essential to provide initial steps for those who are beginning the activity, or to maintain a flat rate as to date. Is rise is suffocating to many and the only thing that is encouraged is the flight from Spain of talent. Currently , in Spain, nothing rewards to a person to be autonomous, to pay taxes, unlike other countries do integration policies.
From IURITwe recommend:
- Review your current income and projected.
- Simulate in what section would you be with the new table.
- To start booking a financial cushion to dampen the rise if it is finally approved.
- Have advice to ensure that these variations will not caught off guard. Contact us and we'll take care of that for you.
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