Track, plan, and understand your finances
FinanzaHoy's tools are built around the real financial rhythm of freelance work in Spain — quarterly tax periods, irregular income, mixed personal and business expenses.
Know your numbers before the quarter ends
The income and expense tracker is designed to mirror the categories the Agencia Tributaria actually cares about. You log transactions in the right buckets from the start — which means no frantic reorganization when a quarterly filing approaches.
The tool separates invoiced income from other receipts, tracks deductible expenses by category, and shows you a running estimate of what your quarterly obligations might look like based on current activity.
Q3 Income Summary
78% of projected annual target
Deductible Expenses
IVA Provision Estimate
Everything in the toolkit
Each tool addresses a specific financial management challenge that freelancers in Spain encounter regularly.
Tax Deadline Calendar
A visual calendar showing all quarterly and annual filing deadlines relevant to autónomos in Spain — Modelo 303, Modelo 130, Modelo 390, annual IRPF, and cuota de autónomos payment dates.
IRPF Retention Calculator
An educational tool that helps you understand how IRPF retention applies to your invoices, what rate to apply based on your situation, and how to calculate the retained amount correctly.
Invoice Checklist
A step-by-step checklist of every field a legally compliant Spanish invoice must include, with explanations of what each field means and common mistakes to avoid.
Tax Provision Planner
Helps you understand how much to set aside from each payment received to cover your quarterly IVA and IRPF obligations — based on your income type and applicable rates.
Expense Category Guide
An interactive reference explaining which expenses are deductible for autónomos, how to document them correctly, and which categories apply to different types of freelance work.