Financial Education Platform

Your finances, understood. Mastered.

Practical courses, intuitive tracking tools, and plain-language guides built specifically for autónomos and freelancers navigating Spain's tax and financial landscape on their own.

Explore Tools How It Works

What We Cover

Everything a freelancer needs
to understand money

FinanzaHoy addresses the four areas where independent professionals most often feel uncertain — and provides clear, actionable knowledge for each.

Financial Courses

Structured learning paths that take you from understanding your first quarterly tax declaration to planning for irregular income. Each module is designed for people without accounting backgrounds.

What's inside: VAT basics, IRPF for autónomos, quarterly filing calendars, and deductible expense categories explained in plain language.

Income & Expense Tracking

Tools that help you log, categorize, and visualize your financial activity throughout the year. Know exactly where your money goes before your gestor asks the same question.

What's inside: Category templates aligned with Agencia Tributaria requirements, monthly summaries, and annual projection views.

Practical Guides

Step-by-step written guides covering the moments that trip freelancers up — registering as autónomo, issuing your first invoice, understanding cuota de autónomos, and more.

What's inside: Checklists, deadline calendars, form walkthroughs, and explanations of official terminology without the legal jargon.

Tax Planning Awareness

Educational content about how Spain's tax system applies to independent workers. Understanding the structure helps you make informed decisions throughout the year, not just at filing time.

What's inside: Explainers on módulos vs. estimación directa, Modelo 303, Modelo 130, and how to read your own tax obligations clearly.

Featured Courses

Learn at your own pace

Each course is self-contained, practical, and written for people who run their own work — not for accountants.

Beginner

Autónomo Fundamentals

Everything you need to know in your first year as a registered independent professional in Spain.

4 hours 8 modules
Intermediate

VAT & IVA Explained

A clear walkthrough of how IVA works for freelancers — when to charge it, when not to, and how to file Modelo 303.

3 hours 6 modules
Intermediate

Income Planning for Irregular Earners

How to manage cash flow, set aside tax provisions, and plan your finances when income isn't predictable month to month.

5 hours 10 modules
Beginner

Invoicing Without Errors

What every legally compliant Spanish invoice must include, how to handle corrections, and what records to keep.

2 hours 5 modules

Our Approach

How FinanzaHoy works

We built this platform around the real questions freelancers ask — not around what accounting textbooks say they should ask.

Identify Your Situation

Start by understanding where you are in your freelance journey. New autónomo, established professional, or somewhere in between — each path has different knowledge priorities.

Work Through Structured Content

Courses and guides are organized by topic and complexity. You move at your own pace, returning to specific modules whenever a new situation arises in your work.

Track as You Go

Use the income and expense tools alongside your coursework. Applying concepts immediately to your own numbers is how financial knowledge actually sticks.

Return When Things Change

Your financial situation as a freelancer evolves. New clients, new services, crossing income thresholds — the platform grows with you and covers the transitions that matter.

The Platform in Context