2025 is getting closer and, as is usual at this time, many self-employed workers are wondering what will happen to their contributions once we start a new fiscal year. We tell you the changes expected for the next 12 months and how they can affect our economy depending on our income.
The arrival of a new year also means the entry into force of new minimum and maximum amounts of the contribution bases. In total, we will have 15 sections based on the monthly net returns that each self-employed person will have.
For most of the sections, these amounts increase compared to what we had in the present 2024, which translates into an increase of our quota of self-employed for all those self-employed who have income greater than 1,700 euros. Below that amount, however, the fees experience a small reduction that can be a relief for our economy. We tell you some of the most important changes that are coming.
How will the quotas be in 2025?
The lowest brackets will have a reduction in the amount they pay monthly to Social Security because they are self employed. The self-employed whose income is between 670 and 1,700 euros, corresponding to the first six contribution sections, will have a lower monthly payment. He annual savings It will be between €80 and €420, always taking into account the lowest contribution base. So the final amount may vary.
The situation is completely opposite if you are a self-employed person who earns more than 1,700 euros. He annual increase It will be between 272 and 970 euros, depending on the section in which we are. We tell you all the fees below:
- Up to €670: €200 in 2025 (€230.15 in 2024).
- Between €670 and €900: €220 in 2025 (€255.72 in 2024).
- Between €900 and €1,166.70: €260 in 2025 (€273.11 in 2024).
- Between €1,166.70 and €1,300: €291 in 2025 (€297.66 in 2024).
- Between €1,300 and €1,500: €294 in 2025 (€300.72 in 2024).
- Between €1,500 and €1,700: €294 in 2025 (€300.72 in 2024).
- Between €1,700 and €1,850: €350 in 2025 (€327.32 in 2024).
- Between €1,850 and €2,030: €370 in 2025 (€332.43 in 2024).
- Between €2,030 and €2,330: €390 in 2025 (€337.55 in 2024).
- Between €2,330 and €2,760: €415 in 2025 (€347.78 in 2024).
- Between €2,760 and €3,190: €440 in 2025 (€368.24 in 2024).
- Between €3,190 and €3,620: €465 in 2025 (€388.69 in 2024).
- Between €3,620 and €4,050: €490 in 2025 (€409.15 in 2024).
- Between €4,050 and €6,000: €530 in 2025 (€455.18 in 2024).
- €6,000 or more: €590 in 2025 (€542.13 in 2024).
Modify the contribution base
All self-employed workers who wish to modify their contribution base because they expect to have changes in their net income during the next 2025, may change their contribution base until December 31, 2024.
If you don’t make any changes because you won’t experience any change in your net returns, don’t worry. If during the next few months you have any important changes that affect this issue, you will have a maximum of five opportunities during 2025 to change your contribution basen whenever you need it. Although, yes, the changes are not immediate and depending on the time of year in which we make them, we may have to wait a while until the change becomes a reality.
For example, changes we make between January and February will not take effect until March 1. The same applies to modifications made between March 1 and April 30, the changes would not come into effect before May 1. And so on with the rest of the months.
In the event that our contribution base does not correspond to the income verified by Social Security a posteriori, we must regularize the situation by paying the difference corresponding to the entire year. So if we don’t want scares, the best thing we can do is adjust it as much as possible when our income changes.
