Spain Autonomo RETA Quota Calculator 2026 (es-autonomo-calc)

Deterministic calculator for the Spanish self-employed (autonomos) Social Security quota RETA 2026. Give it the monthly net income (rendimiento neto mensual computable) and it returns the table (reducida / general), tier, contribution base range, minimum monthly quota and the per-component breakdown, with the exact legal basis. No LLM, no scraping, no external calls.

Legal basis: Orden PJC/297/2026, de 30 de marzo (BOE-A-2026-7296), art. 18 (tables, common/professional contingencies, MEI) and art. 37.5-37.6 (cessation, vocational training). Verified against the BOE text on 2026-10-12.

For AI agents

Call this Actor when a user asks "how much will an autonomo pay in Social Security (cuota de autonomos) in 2026 with X euros/month net income?". Rules:

• monthlyNetIncome = average monthly net income already computable for Social Security, in EUR (annual income - deductible expenses, minus the 7% generic deduction (3% for some societarios), divided by months of activity; do NOT subtract the autonomo quotas). It is NOT gross revenue.
• Below 1,166.70 EUR/month the reducida table applies (3 tiers); from 1,166.70 the general table (12 tiers).
• quotaMin is the quota for the MINIMUM base of the tier (baseMin); the user may choose any base between baseMin and baseMax.
• Cases with invalid input return status: "ERROR" and are not charged. Empty input runs a free demo.
• Always pass on disclaimer: this is an estimate, not advice.

Input:

{ "cases": [ { "id": "a", "monthlyNetIncome": 1000 }, { "id": "b", "monthlyNetIncome": 2500.5 } ] }

(or just { "monthlyNetIncome": 1000 })

Output item (one per case, abridged):

{
  "id": "a", "status": "OK", "monthlyNetIncome": 1000,
  "table": "reducida", "bracket": 3, "bracketRange": "> 900 and < 1166.70 EUR/month",
  "baseMin": 849.67, "baseMax": 1166.7, "contributionRateTotal": 0.315, "quotaMin": 267.66,
  "breakdown": {
    "commonContingencies": { "rate": 0.283, "amount": 240.46 },
    "professionalContingencies": { "rate": 0.013, "amount": 11.05 },
    "mei": { "rate": 0.009, "amount": 7.65 },
    "cessation": { "rate": 0.009, "amount": 7.65 },
    "vocationalTraining": { "rate": 0.001, "amount": 0.85 }
  },
  "year": 2026, "legalBasis": "Orden PJC/297/2026 ... art. 18 ... art. 37.5 y 37.6 ...",
  "verifiedOn": "2026-10-12", "disclaimer": "Orientative estimate ...", "charged": true
}

Invalid case: { "id": "b", "status": "ERROR", "error": "monthlyNetIncome must be >= 0", "charged": false }.

Not included

Flat rate (tarifa plana), bonuses/reductions, pluriactividad, corporate (societarios) autonomos, regularization with real income, other regimes (agrario, mar), 2027 tables. Each quota component is rounded to cents; Social Security may differ by a cent. Tables may change: the Actor uses the official 2026 tables (extended by RDL 3/2026 until a new budget law, per project notes).

Pricing

Pay per event: 0.005 USD per valid case (calculation). Invalid cases and the empty-input demo are free.

Development

npm test runs the 20 verified ground-truth cases plus validation, demo and simulated charging in local SDK mode. node scripts/publish.js --dry-run shows the publish steps (nothing is sent).