Why we built this platform
Financial complexity shouldn't be a barrier to independent work. FinanzaHoy exists to make that complexity navigable — without requiring a degree or an expensive gestor for every question.
Freelancers face a system built for someone else
Spain's tax and social security framework for autónomos is detailed, frequently updated, and largely explained only in administrative language. The people who need to understand it most — independent professionals focused on their craft — often have neither the time nor the background to parse official documentation.
The result is a common pattern: freelancers either pay for ongoing accounting support they may not need, or they proceed with uncertainty, hoping their filings are correct. Neither option feels right. FinanzaHoy was built to offer a third path.
We translate the administrative into the practical. Every piece of content on this platform is written with one question in mind: what does a working freelancer actually need to understand about this?
How we approach financial education
Four commitments that shape every course, guide, and tool we create.
Plain language always
We never use jargon when a simpler word works. If technical terms are unavoidable, we define them in context. Financial literacy shouldn't require a law degree to begin.
Spain-specific content
Generic financial advice rarely applies directly to autónomos in Spain. Everything on FinanzaHoy is grounded in Spanish tax law, social security rules, and the actual forms you encounter.
Updated when rules change
Tax regulations and cuota rates change. When they do, we update our content to reflect the current reality — because outdated financial guidance is often worse than no guidance at all.
Layered depth
Content is organized so you can get a working understanding quickly, then go deeper when your situation requires it. Not everyone needs to know everything — but everyone should be able to find what they need.
Tools that mirror reality
Our tracking tools are designed around how freelancers actually earn and spend — project-based income, mixed personal and professional expenses, quarterly payment obligations.
Built for independent professionals at every stage
FinanzaHoy serves autónomos and freelancers across a wide range of situations. Someone who just registered with the RETA and doesn't know what Modelo 130 means. A designer who has been freelancing for years but still feels uncertain about their deductible expenses. A consultant considering switching from estimación directa simplificada to normal.
The platform doesn't assume a specific income level, profession, or prior knowledge. It meets you where you are and gives you what you need to move forward with more clarity.
Get in touch