{"id":374,"date":"2025-07-11T22:22:09","date_gmt":"2025-07-11T22:22:09","guid":{"rendered":"https:\/\/expertiagrup.com\/ca\/?p=374"},"modified":"2025-07-16T22:25:22","modified_gmt":"2025-07-16T22:25:22","slug":"quota-autonoms-segons-rendiments","status":"publish","type":"post","link":"https:\/\/expertiagrup.com\/ca\/blog\/2025\/07\/11\/quota-autonoms-segons-rendiments\/","title":{"rendered":"La quota d’aut\u00f2noms segons els rendiments: ent\u00e9n com funciona i com afecta el teu negoci"},"content":{"rendered":"\n

Des de fa un temps, la pregunta cl\u00e0ssica entre aut\u00f2noms ja no \u00e9s \u201cQuant pago cada mes?\u201d, sin\u00f3 \u201cQuant em tocar\u00e0 pagar segons el que guanyo?\u201d<\/strong><\/p>\n\n\n\n


I \u00e9s que el nou sistema de cotitzaci\u00f3 per trams, vigent des de 2023, ha canviat les regles del joc per a milers de treballadors per compte propi.<\/p>\n\n\n\n

A Expertia, cada vegada m\u00e9s clients ens consulten com funciona aquest sistema, qu\u00e8 s\u2019ent\u00e9n per \u201crendiment\u201d,<\/strong> i com es pot ajustar la quota de manera que ni paguis de m\u00e9s ni facis<\/strong> curt.<\/p>\n\n\n\n

T\u2019ho expliquem de forma clara.<\/p>\n\n\n\n

Com funciona el nou sistema de cotitzaci\u00f3?<\/strong><\/p>\n\n\n\n

Des de 2023, els aut\u00f2noms cotitzen segons els rendiments nets reals<\/strong> de la seva activitat.<\/p>\n\n\n\n


\u00c9s a dir, no es paga una quota fixa<\/strong>, sin\u00f3 que s\u2019escull un tram en funci\u00f3 de la previsi\u00f3 d\u2019ingressos nets mensuals.<\/p>\n\n\n\n

Hi ha 15 trams diferents<\/strong>, que van des dels qui tenen rendiments baixos (fins a 670\u202f\u20ac mensuals), fins als que superen els 6.000\u202f\u20ac.<\/p>\n\n\n\n


A cadascun li correspon una quota m\u00ednima i m\u00e0xima,<\/strong> que pots ajustar segons la teva situaci\u00f3.<\/p>\n\n\n\n

💡 Tip d\u2019Expertia: <\/strong>Pots canviar de tram fins a 6 vegades l\u2019any. Si els teus ingressos varien (temporades altes i baixes, projectes puntuals\u2026), pots adaptar la quota i pagar nom\u00e9s el que toca.<\/p>\n\n\n\n

Com es calculen els rendiments nets?<\/strong><\/p>\n\n\n\n

Aqu\u00ed ve el punt clau: els rendiments nets no s\u00f3n els ingressos totals.<\/strong><\/p>\n\n\n\n


S\u00f3n el resultat de restar despeses dedu\u00efbles als ingressos bruts, menys una deducci\u00f3 addicional del 7% (3% si ets societari).<\/strong><\/p>\n\n\n\n

Exemple senzill:<\/strong>
Ingressos mensuals: 2.000 \u20ac
Despeses dedu\u00efbles: 500 \u20ac
Rendiment net: 2.000 – 500 = 1.500 \u20ac
Deducci\u00f3 del 7%: 1.500 – 105 = 1.395 \u20ac \u2192 Aquest seria el teu tram de refer\u00e8ncia.<\/p>\n\n\n\n

Ara, hem de verificar a la taula corresponent, a quin tram es correspon aquest ingr\u00e9s net mensual i a partir d\u2019aqu\u00ed con\u00e8ixer la base de cotitzaci\u00f3 i la quota m\u00ednima a ingressar per aquest rendiment. <\/p>\n\n\n\n

\"\"<\/figure>\n\n\n\n

💡 Tip d\u2019Expertia:<\/strong> Si declares menys rendiments del que realment has tingut, Hisenda ho regularitzar\u00e0 a final d\u2019any… i et tocar\u00e0 pagar difer\u00e8ncies. M\u00e9s val fer-ho b\u00e9 des del principi.<\/p>\n\n\n\n

I si acabo declarant m\u00e9s o menys del previst?<\/strong><\/p>\n\n\n\n

L\u2019Ag\u00e8ncia Tribut\u00e0ria creuar\u00e0 dades en acabar\u00a0 l\u2019exercici fiscal.<\/p>\n\n\n\n

Si has pagat de m\u00e9s, la Seguretat Social et donar\u00e0 l\u2019opci\u00f3 de mantenir la base de cotitzaci\u00f3 m\u00e9s alta o b\u00e9, tornar el que has ingressat de m\u00e9s i baixar la teva base de cotitzaci\u00f3 a la qual es correspondria amb el teu rendiment net real.

Si has pagat de menys, t\u2019ho reclamaran i et donaran un termini per fer l\u2019ingr\u00e9s de la difer\u00e8ncia.<\/p>\n\n\n\n

Per aix\u00f2 \u00e9s tan important fer b\u00e9 les previsions<\/strong> i ajustar-les durant l\u2019any si cal.<\/p>\n\n\n\n

Altres avantatges i aspectes a tenir en compte<\/strong><\/p>\n\n\n\n

    \n
  • Pots escollir una quota superior a la m\u00ednima del teu tram si vols millorar la base per jubilaci\u00f3 o altres prestacions.<\/li>\n\n\n\n
  • Hi ha reduccions per nous aut\u00f2noms durant els primers 12 mesos (quota redu\u00efda de 80\u202f\u20ac, si es compleixen requisits).<\/li>\n\n\n\n
  • Els aut\u00f2noms societaris tenen condicions espec\u00edfiques que tamb\u00e9 cal revisar.<\/li>\n<\/ul>\n\n\n\n

    💡 Tip d\u2019Expertia:<\/strong> No tots els aut\u00f2noms tenen la mateixa realitat. Si tens dubtes entre diversos trams o vols optimitzar la quota, un bon assessorament et pot fer estalviar cada mes.<\/p>\n\n\n\n

    Conclusi\u00f3: paga el que toca, ni m\u00e9s ni menys<\/strong><\/p>\n\n\n\n

    El nou sistema busca ser m\u00e9s just i flexible. Per\u00f2, per aprofitar-lo b\u00e9, cal entendre com funciona, calcular correctament els rendiments i fer els ajustos quan cal.<\/p>\n\n\n\n

    A Expertia, t\u2019ajudem a fer-ho de manera clara, amb n\u00fameros a la m\u00e0 i evitant sorpreses.<\/p>\n\n\n\n

    Vols revisar la teva previsi\u00f3 de rendiments nets i saber en quin tram cotitzaries? Parlem.<\/strong><\/h2>\n\n\n\n

    <\/p>\n","protected":false},"excerpt":{"rendered":"

    Des de fa un temps, la pregunta cl\u00e0ssica entre aut\u00f2noms ja no \u00e9s \u201cQuant pago cada mes?\u201d, sin\u00f3 \u201cQuant em tocar\u00e0 pagar segons el que guanyo?\u201d I \u00e9s que el nou sistema de cotitzaci\u00f3 per trams, vigent des de 2023, ha canviat les regles del joc per a milers de treballadors per compte propi. A […]<\/p>\n","protected":false},"author":4,"featured_media":369,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[4],"tags":[18,19,20],"class_list":["post-374","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-afers-externs","tag-societat","tag-sl","tag-societat-limitada"],"acf":[],"yoast_head":"\nLa quota d'aut\u00f2noms segons els rendiments: ent\u00e9n com funciona i com afecta el teu negoci - EXPERTIA GRUP<\/title>\n<meta name=\"description\" content=\"Ent\u00e9n com funciona la nova quota d\u2019aut\u00f2noms basada en els rendiments nets. 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