Personal finance and tax guides
Your money explained in plain terms, with the figures anchored to the same engine Aurio uses.
Freelancer tax
Taxes, forms and deductions, with the figures anchored to Aurio’s calculation engine.
Deductible expenses for freelancers in Spain: income tax and VAT
Which expenses a Spanish freelancer can deduct, the three key requirements and an indicative table by category: utilities, vehicle, meals, software and more.
Updated 30 August 2026
Form 303: how quarterly VAT works for Spanish freelancers
What form 303 is, how it is calculated (output minus deductible input VAT), the Spanish VAT rates, filing deadlines and what happens when the result is negative.
Updated 30 August 2026
Form 130: the Spanish freelancer income tax instalment, explained
Who must file form 130, how the 20 % instalment on net profit is calculated, what gets subtracted and how it is settled later in the annual return.
Updated 30 August 2026
How much should a Spanish freelancer set aside for VAT and income tax?
A practical formula for a quarterly tax reserve: VAT payable plus the estimated form 130 instalment, with an example, withholdings and a monthly routine.
Updated 30 August 2026
How to invoice as a freelancer in Spain: required fields, VAT and withholding
Which fields a Spanish freelance invoice must include, how to number it, which VAT rate applies, when income tax withholding is due and how it differs from a simplified invoice.
Updated 30 August 2026
Income tax withholding on invoices: when it applies and how you get it back
Why you collect less than you invoice: when your invoice carries Spanish income tax withholding, which rate applies, who pays it in and how the money comes back.
Updated 30 August 2026
Spanish depreciation rate tables: coefficients and periods by asset type
The depreciation rates a Spanish freelancer applies: the standard tax authority table and the simplified direct-estimation table, with methods, low-value assets and a worked schedule.
Updated 30 August 2026
Depreciating a laptop, a phone or software as a Spanish freelancer
How much of a laptop, phone, software licence or installation you can deduct and over how many years, with the applicable rate, partial business use and low-value assets.
Updated 30 August 2026
Registering as self-employed in Spain: tax and Social Security steps
How to coordinate form 036 and RETA registration before starting self-employment in Spain, what information to prepare, how reduced contributions work and which duties begin on day one.
Updated 14 September 2026
Personal finance
Saving, debt and net worth: how the numbers work so you can decide for yourself.
Emergency fund: how much you need and how to work it out
What an emergency fund is, why it is measured in months of expenses rather than a round number, how to calculate yours and where it fits before any other decision.
Updated 30 August 2026
The 50/30/20 rule: how to split your salary (and when it does not fit)
How the 50 % needs, 30 % wants and 20 % savings split works, how to apply it to your actual pay and why it often needs adjusting when rent alone eats the 50 %.
Updated 30 August 2026
Net worth: what it is and how to calculate yours
Assets minus liabilities: what goes on each side, how to value a home and a car, why it beats your bank balance as a measure and how often to track it.
Updated 30 August 2026
Overpay the mortgage or save: how to frame the decision
What to compare before overpaying, the difference between cutting the monthly payment and cutting the term, and why your mortgage rate is the number that drives it.
Updated 30 August 2026
How much to save each month: from a percentage to a real number
How to get from “save 20 %” to a monthly amount that lasts: work out your real capacity, turn every dated goal into a monthly figure and decide what order to fund them in.
Updated 31 August 2026
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Aurio calculates this for you from your transactions and invoices
Import your statements or add your invoices and keep your quarterly VAT, estimated form 130 and depreciation always up to date. Informative, private and with your data encrypted.
Get started for freeIndicative, informational calculations: they are not tax advice and Aurio never files anything with the Spanish Tax Agency (AEAT). Check amounts and deadlines against current regulations or with your advisor.
Informational and indicative content: it is not financial advice or an investment recommendation. We explain how the numbers work so you can decide for yourself; for important decisions, consult a professional.