A pension plan and an index fund are the two most common ways for a Spanish freelancer to save for the long term. They differ in tax treatment, liquidity and flexibility, and the right choice depends on your tax bracket, your time horizon and how much you value access to your money. The short answer: … Leer más
Choosing insurance for self-employed workers in Spain starts with knowing what the public system already covers and what it does not. Sick leave, accidents, cessation of activity and professional liability work differently for autónomos than for employees, and gaps can hurt a freelancer with irregular income. The short answer: autónomos are covered for temporary incapacity … Leer más
Many founders discover that being a self-employed company director in Spain (autónomo societario) is not the same as being an ordinary freelancer, even though both pay into the autónomo social security scheme. The differences affect registration rules, contributions, taxes and what you can deduct. The short answer: an ordinary freelancer is a natural person who … Leer más