{"id":144,"date":"2025-12-08T09:47:28","date_gmt":"2025-12-08T08:47:28","guid":{"rendered":"https:\/\/www.jperet.com\/?page_id=144"},"modified":"2025-12-08T11:46:16","modified_gmt":"2025-12-08T10:46:16","slug":"calculadora-cuota-autonomos-2026","status":"publish","type":"page","link":"https:\/\/www.jperet.com\/es\/calculadora-cuota-autonomos-2026\/","title":{"rendered":"Calculadora cuota aut\u00f3nomos 2026"},"content":{"rendered":"\n<div class=\"wp-block-group has-background-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<!doctype html>\n<html lang=\"es\">\n<head>\n  <meta charset=\"utf-8\" \/>\n  <meta name=\"viewport\" content=\"width=device-width,initial-scale=1\" \/>\n  <style>\n    :root{\n      --bg:#0f1724;\n      --card:#0b1220;\n      --muted:#9aa4b2;\n      --accent:#6ee7b7;\n      --glass:rgba(255,255,255,0.03)\n    }\n\n    *{box-sizing:border-box;font-family:Inter,system-ui,-apple-system,Segoe UI,Roboto,'Helvetica Neue',Arial}\n\n    body{\n      margin:0;\n      min-height:100vh;\n      display:flex;\n      align-items:center;\n      justify-content:center;\n      padding:24px;\n      background:white; \/* page background stays neutral *\/\n      color:000000;    \/* page text inherits from container *\/\n    }\n\n    .container{\n      width:100%;\n      max-width:980px;\n      background:linear-gradient(180deg, rgba(255,255,255,0.02), rgba(255,255,255,0.01));\n      border-radius:14px;\n      padding:20px;\n      box-shadow:0 10px 30px rgba(2,6,23,0.6);\n      color:#e6eef6; \/* text color inside container *\/\n    }\n\n    .container h1{margin:0 0 6px;font-size:20px}\n    .container p.lead{margin:0 0 18px;color:var(--muted)}\n    .container .grid{display:grid;grid-template-columns:repeat(2,1fr);gap:12px}\n    .container label{display:block;font-size:13px;color:#000000;margin-bottom:6px}\n    .container input[type=number],\n    .container input[type=text],\n    .container select{\n      width:100%;\n      padding:10px;\n      border-radius:8px;\n      border:1px solid rgba(255,255,255,0.04);\n      background:#eff99ff;\n      color:#000000;\n    }\n    .container .full{grid-column:1\/-1}\n    .container .card{\n      background:linear-gradient(180deg, rgba(255,255,255,0.01), rgba(255,255,255,0.005));\n      padding:14px;\n      border-radius:10px;\n      border:1px solid rgba(255,255,255,0.02);\n    }\n    .container .results{display:flex;gap:12px;flex-wrap:wrap}\n    .container .result{flex:1 1 220px;padding:12px;border-radius:8px;background:#051226}\n    .container .result strong{display:block;font-size:18px}\n    .container .small{font-size:13px;color:var(--muted)}\n    .container button{\n      border:0;\n      padding:10px 14px;\n      border-radius:10px;\n      background:linear-gradient(90deg,var(--accent),#1dd9a6);\n      color:#052018;\n      font-weight:700;\n      cursor:pointer;\n    }\n    .container .muted{color:#000000;font-size:13px}\n    .container footer{margin-top:12px;color:var(--muted);font-size:13px}\n\n    @media(max-width:720px){\n      .container .grid{grid-template-columns:1fr}\n      .container .results{flex-direction:column}\n    }\n  <\/style>\n<\/head>\n<body>\n  <div class=\"container\">\n    <p class=\"lead\">Introduce tus datos mensuales o anuales. La calculadora de cuota de aut\u00f3nomos separa la <em>cuota de aut\u00f3nomos<\/em> de los gastos y no incluye pagos de IRPF como deducible (ver FAQ)<\/p>\n\n    <div class=\"card\">\n      <div class=\"grid\">\n        <div>\n          <label for=\"period\">Periodo<\/label>\n          <select id=\"period\">\n            <option value=\"monthly\" selected>Mensual (valores por mes)<\/option>\n            <option value=\"annual\">Anual (dividido por 12)<\/option>\n          <\/select>\n        <\/div>\n        <div>\n          <label for=\"ingresos\">Ingresos brutos (EUR)<\/label>\n          <input id=\"ingresos\" type=\"number\" step=\"0.01\" value=\"2500\" \/>\n        <\/div>\n\n        <div>\n          <label for=\"gastos\">Gastos deducibles (sin cuota) (EUR)<\/label>\n          <input id=\"gastos\" type=\"number\" step=\"0.01\" value=\"700\" \/>\n        <\/div>\n\n        <div>\n          <label for=\"cuota\">Cuota de aut\u00f3nomos (mensual) (EUR)<\/label>\n          <input id=\"cuota\" type=\"number\" step=\"0.01\" value=\"415\" \/>\n        <\/div>\n\n      <\/div>\n\n      <div style=\"display:flex;gap:8px;margin-top:14px;align-items:center\">\n        <button id=\"calcular\">Calcular cuota<\/button>\n     \n        <div style=\"margin-left:auto\" class=\"muted\">Los resultados se actualizan al pulsar <strong>Calcular cuota<\/strong>.<\/div>\n      <\/div>\n\n      <div style=\"margin-top:14px\" class=\"results\">\n        <div class=\"result\">\n          <div class=\"small\">Rendimiento neto (previo a 7% reducci\u00f3n)<\/div>\n          <strong id=\"rendPrev\">\u2014<\/strong>\n        <\/div>\n        <div class=\"result\">\n          <div class=\"small\">Rendimiento neto computable (aplica -7%)<\/div>\n          <strong id=\"rendComp\">\u2014<\/strong>\n        <\/div>\n        <div class=\"result\">\n          <div class=\"small\">Tramo asignado<\/div>\n          <strong id=\"tramo\">\u2014<\/strong>\n        <\/div>\n        <div class=\"result\">\n          <div class=\"small\">Cuota estimada (mensual)<\/div>\n          <strong id=\"cuotaRes\">\u2014<\/strong>\n        <\/div>\n        <div class=\"result\">\n          <div class=\"small\">Cuota estimada (anual)<\/div>\n          <strong id=\"cuotaAnual\">\u2014<\/strong>\n        <\/div>\n      <\/div>\n\n      <footer>\n        <div class=\"muted\">Asunciones: la calculadora aplica la reducci\u00f3n del 7% a efectos del nuevo sistema de cotizaci\u00f3n por ingresos reales (si eres societario deber\u00edas usar 3%). <strong>Importante: Estos importes son estimativos y orientativos; para cifras oficiales consulta con tu gestor o la Seguridad Social.<\/strong><\/div>\n      <\/footer>\n    <\/div>\n  <\/div>\n\n  <script>\n    \/\/ Tramos y cuotas aproximadas usadas (basadas en tabla 2025)\n    const tramos = [\n      {max:670, cuota:200},\n      {max:900, cuota:220},\n      {max:1166.7, cuota:260},\n      {max:1300, cuota:291},\n      {max:1500, cuota:294},\n      {max:1700, cuota:294},\n      {max:1850, cuota:350},\n      {max:2030, cuota:370},\n      {max:2330, cuota:390},\n      {max:2760, cuota:415},\n      {max:3190, cuota:440},\n      {max:3620, cuota:465},\n      {max:4050, cuota:490},\n      {max:6000, cuota:530},\n      {max:Infinity, cuota:590}\n    ];\n\n    function formatEUR(v){\n      return (typeof v === 'number' && !isNaN(v)) ? v.toLocaleString('es-ES',{style:'currency',currency:'EUR'}) : '\u2014';\n    }\n\n    function calcular(){\n      const period = document.getElementById('period').value;\n      let ingresos = parseFloat(document.getElementById('ingresos').value) || 0;\n      let gastos = parseFloat(document.getElementById('gastos').value) || 0;\n      let cuota = parseFloat(document.getElementById('cuota').value) || 0;\n      \n      if(period === 'annual'){\n        ingresos = ingresos \/ 12;\n        gastos = gastos \/ 12;\n        cuota = cuota \/ 12;\n      }\n\n      const rendPrev = ingresos - gastos - cuota;\n      const rendComp = rendPrev * 0.93;\n\n      const tramoObj = tramos.find(t => rendComp <= t.max) || tramos[tramos.length-1];\n\n      document.getElementById('rendPrev').textContent = formatEUR(round2(rendPrev)) + ' \/ mes';\n      document.getElementById('rendComp').textContent = formatEUR(round2(rendComp)) + ' \/ mes';\n      document.getElementById('tramo').textContent = describeTramo(rendComp);\n      document.getElementById('cuotaRes').textContent = formatEUR(tramoObj.cuota) + ' \/ mes';\n      document.getElementById('cuotaAnual').textContent = formatEUR(tramoObj.cuota * 12) + ' \/ a\u00f1o';\n\n      return {\n        period, ingresos, gastos, cuota, iva, irpf, rendPrev:round2(rendPrev), rendComp:round2(rendComp), cuotaMensual:tramoObj.cuota\n      };\n    }\n\n    function describeTramo(rend){\n      if(rend === Infinity || isNaN(rend)) return '\u2014';\n      for(let i=0;i<tramos.length;i++){\n        if(rend <= tramos[i].max){\n          const min = i===0?0:(tramos[i-1].max);\n          const max = tramos[i].max===Infinity ? '\u221e' : tramos[i].max;\n          return `${round2(min)} \u20ac \u2014 ${max} \u20ac (Cuota: ${tramos[i].cuota} \u20ac\/mes)`;\n        }\n      }\n      return '\u2014';\n    }\n\n    function round2(v){return Math.round((v+Number.EPSILON)*100)\/100}\n\n    document.getElementById('calcular').addEventListener('click', ()=>{\n      calcular();\n    });\n\n    document.getElementById('exportCsv').addEventListener('click', ()=>{\n      const data = calcular();\n      const headers = ['periodo','ingresos_mensuales','gastos_mensuales_sin_cuota','cuota_autonomos_mensual','iva_soportado','irpf_pagado','rendimiento_prev','rendimiento_computable','cuota_estim_mensual'];\n      const row = [data.period,data.ingresos,data.gastos,data.cuota,data.iva,data.irpf,data.rendPrev,data.rendComp,data.cuotaMensual];\n      const csv = [headers.join(','), row.join(',')].join('\\n');\n      const blob = new Blob([csv],{type:'text\/csv;charset=utf-8;'});\n      const url = URL.createObjectURL(blob);\n      const a = document.createElement('a');\n      a.href = url;\n      a.download = 'calculadora_autonomos_export.csv';\n      document.body.appendChild(a);\n      a.click();\n      a.remove();\n      URL.revokeObjectURL(url);\n    });\n\n    calcular(); \/\/ inicializar\n  <\/script>\n<\/body>\n<\/html>\n<\/div>\n\n\n\n<div class=\"wp-block-group has-background-background-color has-background is-layout-constrained wp-block-group-is-layout-constrained\">\n<h2 class=\"wp-block-heading\">FAQ<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udccc \u00bfC\u00f3mo calculo la cuota de aut\u00f3nomo?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Para calcular cuota aut\u00f3nomo tienes que tener en cuenta tus <strong>ingresos netos reales<\/strong> (ingresos brutos menos gastos deducibles). Cada tramo de ingresos tiene asociada una <strong>cuota m\u00ednima mensual<\/strong> que debes pagar, y se aplica una peque\u00f1a reducci\u00f3n para gastos de dif\u00edcil justificaci\u00f3n. Puedes usar la calculadora cuota autonomos que te dejo arriba. <\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udccc \u00bfLa cuota de aut\u00f3nomo es deducible?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>S\u00ed. La cuota mensual de aut\u00f3nomos (RETA) es un gasto deducible en IRPF.<\/strong><br>Por tanto, puedes incluirla en la casilla de <em>gastos deducibles<\/em>.<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">\ud83d\udccc\u00bfLo que pago de impuestos es deducible?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Depende del impuesto:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th>Impuesto<\/th><th>\u00bfEs deducible?<\/th><th>Explicaci\u00f3n<\/th><\/tr><\/thead><tbody><tr><td><strong>Cuota de aut\u00f3nomos<\/strong><\/td><td>\u2714 S\u00ed<\/td><td>Gasto deducible como gasto de actividad.<\/td><\/tr><tr><td><strong>IVA soportado<\/strong><\/td><td>\u2714 S\u00ed, es deducible en tus compras<\/td><td>Se descuenta trimestralmente del IVA repercutido, no va a IRPF.<\/td><\/tr><tr><td><strong>IVA repercutido<\/strong><\/td><td>\u274c No<\/td><td>Es dinero que cobras para entregar a Hacienda, no es ingreso real.<\/td><\/tr><tr><td><strong>IRPF trimestral (modelo 130)<\/strong><\/td><td>\u274c No como gasto<\/td><td>No reduce beneficio, es un pago a cuenta del impuesto futuro.<\/td><\/tr><tr><td><strong>Impuesto final de la renta<\/strong><\/td><td>\u274c No<\/td><td>Es un impuesto personal, no un gasto deducible de actividad.<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\">Entonces, en la calculadora \u00bfqu\u00e9 debes poner en \u201cgastos deducibles\u201d?<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u2714 Gastos relacionados con tu actividad, entre otros:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cuota de aut\u00f3nomo<\/li>\n\n\n\n<li>Material, software, herramientas<\/li>\n\n\n\n<li>Publicidad, hosting, comisiones (Shopify, Stripe\u2026)<\/li>\n\n\n\n<li>Gastos de viajes deducibles (transporte, estancia) <strong>OJO:<\/strong> Hacienda permite deducirte 26,67\u20ac diarios sin pernocta y 53,34\u20ac con pernocta en Espa\u00f1a. En el extranjero son 48,08\u20ac diarios y 91,35\u20ac mensual por dia en gastos totales de viaje.<\/li>\n\n\n\n<li>Gastos de Asesor\u00eda \/ Gestor\u00eda<\/li>\n\n\n\n<li>Internet\/telefono si trabajas desde casa<\/li>\n\n\n\n<li>Veh\u00edculos (si la actividad lo permite)<\/li>\n\n\n\n<li>Alquiler espacio de oficina, coworking<\/li>\n\n\n\n<li>Amortizaci\u00f3n de equipos<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">\u274c No debes incluir:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pagos de IRPF trimestrales<\/li>\n\n\n\n<li>El IRPF final de la renta<\/li>\n\n\n\n<li>IVA repercutido<\/li>\n\n\n\n<li>Gastos personales<\/li>\n<\/ul>\n<\/div>\n\n\n\n<div class=\"wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><\/div>\n","protected":false},"excerpt":{"rendered":"<p>Introduce tus datos mensuales o anuales. La calculadora de cuota de aut\u00f3nomos separa la cuota de aut\u00f3nomos de los gastos [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":171,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-with-title","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-144","page","type-page","status-publish","has-post-thumbnail","hentry"],"_links":{"self":[{"href":"https:\/\/www.jperet.com\/es\/wp-json\/wp\/v2\/pages\/144","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.jperet.com\/es\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.jperet.com\/es\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.jperet.com\/es\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.jperet.com\/es\/wp-json\/wp\/v2\/comments?post=144"}],"version-history":[{"count":26,"href":"https:\/\/www.jperet.com\/es\/wp-json\/wp\/v2\/pages\/144\/revisions"}],"predecessor-version":[{"id":175,"href":"https:\/\/www.jperet.com\/es\/wp-json\/wp\/v2\/pages\/144\/revisions\/175"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.jperet.com\/es\/wp-json\/wp\/v2\/media\/171"}],"wp:attachment":[{"href":"https:\/\/www.jperet.com\/es\/wp-json\/wp\/v2\/media?parent=144"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}