require_once __DIR__ . '/../_shared/premium.php';
$is_pro   = sc_is_pro();
$title    = 'Simulador Cuota Autónomo 2026: Calcula tu Cuota por Ingresos | SecureCore';
$desc     = 'Calcula tu cuota de autónomo 2026 según el sistema de cotización por ingresos reales. Tabla de tramos actualizada, cuota mínima y máxima. Herramienta gratuita.';
$canonical= 'https://securecore.es/herramientas/simulador-cuota-autonomo/';
$schema   = json_encode([
    '@context'=>'https://schema.org','@type'=>'WebApplication',
    'name'=>'Simulador cuota autónomo 2026',
    'url'=>$canonical,'description'=>$desc,
    'applicationCategory'=>'FinanceApplication','operatingSystem'=>'Web',
    'offers'=>[
        ['@type'=>'Offer','price'=>'0','priceCurrency'=>'EUR','name'=>'Gratis'],
        ['@type'=>'Offer','price'=>'4.99','priceCurrency'=>'EUR','name'=>'PRO'],
    ],
    'publisher'=>['@type'=>'Organization','name'=>'SecureCore'],
], JSON_UNESCAPED_UNICODE);
include __DIR__ . '/../_tool_header.php';
?>
<div class="t-crumb"><div class="t-wrap" style="padding-top:0;padding-bottom:0;">
  <a href="/">SecureCore</a><span class="sep">›</span><a href="/herramientas/">Herramientas</a><span class="sep">›</span><span>Cuota autónomo 2026</span>
</div></div>

<div class="t-wrap">

  <div style="margin-bottom:2rem;">
    <div style="display:flex;gap:.7rem;align-items:center;flex-wrap:wrap;margin-bottom:.6rem;">
      <span style="font-size:.72rem;font-weight:700;text-transform:uppercase;letter-spacing:.1em;color:#f59e0b;">🧾 Fiscal · Autónomos</span>
      <br />
<b>Warning</b>:  Undefined variable $is_pro in <b>/var/www/securecore/herramientas/simulador-cuota-autonomo/index.php</b> on line <b>37</b><br />
    </div>
    <h1 style="font-size:clamp(1.5rem,3.5vw,2.3rem);font-weight:800;letter-spacing:-.02em;margin-bottom:.7rem;">
      Simulador de cuota de autónomo 2026
    </h1>
    <p style="color:var(--text-secondary);font-size:.93rem;max-width:620px;line-height:1.75;">
      Calcula tu cuota mensual de autónomo en 2026 según el sistema de cotización por ingresos reales netos. Incluye todos los tramos oficiales actualizados. Sin registro.
    </p>
  </div>

  <!-- AD -->
  <div class="t-ad"><span class="t-ad-lbl">Publicidad</span>
    <ins class="adsbygoogle" style="display:block" data-ad-client="ca-pub-8646605813103981" data-ad-slot="auto" data-ad-format="auto" data-full-width-responsive="true"></ins>
    <script>(adsbygoogle=window.adsbygoogle||[]).push({});</script>
  </div>

  <!-- ── CALCULADORA GRATIS ──────────────────────────────────────── -->
  <div class="tool-card" style="margin:1.5rem 0;">
    <h3 style="font-size:.85rem;font-weight:700;color:var(--text-secondary);text-transform:uppercase;letter-spacing:.06em;margin-bottom:1.2rem;">Tu cuota mensual — Gratis</h3>

    <div class="input-grid">
      <div>
        <label>Ingresos netos anuales previstos (€)
          <span style="font-size:.7rem;color:#555;display:block;margin-top:2px;">Ingresos - gastos deducibles (sin IRPF ni SS)</span>
        </label>
        <input type="number" id="rdIngresos" placeholder="24000" step="100" min="0" oninput="calcCuota()">
      </div>
      <div>
        <label>Situación</label>
        <select id="rdSit" onchange="calcCuota()">
          <option value="general">Autónomo general</option>
          <option value="nuevo">Nuevo autónomo (tarifa plana)</option>
          <option value="familiar">Autónomo familiar colaborador</option>
          <option value="societario">Autónomo societario</option>
        </select>
      </div>
    </div>

    <div id="rCuota" class="result-box" style="display:none;">
      <div class="result-grid">
        <div class="result-item highlight">
          <div class="ri-lbl">Cuota mensual estimada</div>
          <div class="ri-val" id="rdCuotaMes" style="color:var(--neon-green);">—</div>
        </div>
        <div class="result-item">
          <div class="ri-lbl">Coste anual SS</div>
          <div class="ri-val" id="rdCuotaAno">—</div>
        </div>
        <div class="result-item">
          <div class="ri-lbl">Tramo de cotización</div>
          <div class="ri-val" id="rdTramo">—</div>
        </div>
        <div class="result-item">
          <div class="ri-lbl">Base de cotización</div>
          <div class="ri-val" id="rdBase">—</div>
        </div>
      </div>
      <div id="rdExtra" style="margin-top:1rem;padding-top:.8rem;border-top:1px solid rgba(255,255,255,.06);font-size:.82rem;color:var(--text-secondary);line-height:1.75;"></div>
    </div>
  </div>

  <!-- Tabla tramos -->
  <div style="margin:1.5rem 0;">
    <h2 style="font-size:1rem;font-weight:700;color:var(--text-primary);margin-bottom:.8rem;">Tabla de tramos 2026 (cotización por ingresos reales)</h2>
    <div style="overflow-x:auto;border-radius:10px;border:1px solid var(--card-border);">
      <table style="width:100%;border-collapse:collapse;font-size:.82rem;">
        <thead>
          <tr style="background:rgba(255,255,255,.04);">
            <th style="padding:9px 12px;text-align:left;color:var(--text-secondary);font-weight:600;border-bottom:1px solid rgba(255,255,255,.06);">Ingresos netos/mes</th>
            <th style="padding:9px 12px;text-align:center;color:var(--text-secondary);font-weight:600;border-bottom:1px solid rgba(255,255,255,.06);">Base mínima</th>
            <th style="padding:9px 12px;text-align:center;color:var(--text-secondary);font-weight:600;border-bottom:1px solid rgba(255,255,255,.06);">Base máxima</th>
            <th style="padding:9px 12px;text-align:center;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.06);">Cuota min/mes</th>
          </tr>
        </thead>
        <tbody>
                    <tr style="">
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);">< 670€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">735,29€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">816,98€</td>
            <td style="padding:7px 12px;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">230,05€</td>
          </tr>
                    <tr style="background:rgba(255,255,255,.02)">
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);">670-900€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">816,98€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">900€</td>
            <td style="padding:7px 12px;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">255,71€</td>
          </tr>
                    <tr style="">
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);">900-1.125€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">872,55€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">956,26€</td>
            <td style="padding:7px 12px;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">273,05€</td>
          </tr>
                    <tr style="background:rgba(255,255,255,.02)">
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);">1.125-1.300€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">950,98€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.045,75€</td>
            <td style="padding:7px 12px;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">297,72€</td>
          </tr>
                    <tr style="">
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);">1.300-1.500€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">960,78€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.056,86€</td>
            <td style="padding:7px 12px;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">300,60€</td>
          </tr>
                    <tr style="background:rgba(255,255,255,.02)">
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);">1.500-1.700€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">960,78€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.176,40€</td>
            <td style="padding:7px 12px;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">300,60€</td>
          </tr>
                    <tr style="">
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);">1.700-1.850€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.013,07€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.294,10€</td>
            <td style="padding:7px 12px;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">316,99€</td>
          </tr>
                    <tr style="background:rgba(255,255,255,.02)">
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);">1.850-2.030€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.029,41€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.337,46€</td>
            <td style="padding:7px 12px;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">322,12€</td>
          </tr>
                    <tr style="">
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);">2.030-2.330€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.045,75€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.451,74€</td>
            <td style="padding:7px 12px;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">327,24€</td>
          </tr>
                    <tr style="background:rgba(255,255,255,.02)">
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);">2.330-2.760€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.078,43€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.680,68€</td>
            <td style="padding:7px 12px;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">337,46€</td>
          </tr>
                    <tr style="">
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);">2.760-3.190€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.143,79€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.680,68€</td>
            <td style="padding:7px 12px;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">357,85€</td>
          </tr>
                    <tr style="background:rgba(255,255,255,.02)">
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);">3.190-3.620€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.209,15€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.680,68€</td>
            <td style="padding:7px 12px;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">378,22€</td>
          </tr>
                    <tr style="">
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);">3.620-4.050€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.274,51€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.680,68€</td>
            <td style="padding:7px 12px;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">398,59€</td>
          </tr>
                    <tr style="background:rgba(255,255,255,.02)">
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);">4.050-6.000€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.372,55€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.680,68€</td>
            <td style="padding:7px 12px;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">429,41€</td>
          </tr>
                    <tr style="">
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);">> 6.000€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.633,99€</td>
            <td style="padding:7px 12px;color:var(--text-secondary);border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">1.680,68€</td>
            <td style="padding:7px 12px;color:var(--neon-green);font-weight:700;border-bottom:1px solid rgba(255,255,255,.04);text-align:center;">510,85€</td>
          </tr>
                  </tbody>
      </table>
    </div>
    <p style="font-size:.72rem;color:#444;margin-top:.5rem;">Tipo de cotización RETA 2026: 31,30% (28,30% contingencias comunes + 1,30% cese + 0,90% formación + 0,80% MEI).</p>
  </div>

  <script>
  // Datos tramos 2026 [ingreso_neto_mensual_max, base_min, cuota_min]
  const TRAMOS_2026 = [
    [670,    735.29,  230.05],
    [900,    816.98,  255.71],
    [1125,   872.55,  273.05],
    [1300,   950.98,  297.72],
    [1500,   960.78,  300.60],
    [1700,   960.78,  300.60],
    [1850,   1013.07, 316.99],
    [2030,   1029.41, 322.12],
    [2330,   1045.75, 327.24],
    [2760,   1078.43, 337.46],
    [3190,   1143.79, 357.85],
    [3620,   1209.15, 378.22],
    [4050,   1274.51, 398.59],
    [6000,   1372.55, 429.41],
    [999999, 1633.99, 510.85],
  ];
  const TRAMO_LABELS = [
    'Tramo 1: < 670€/mes',
    'Tramo 2: 670 – 900€/mes',
    'Tramo 3: 900 – 1.125€/mes',
    'Tramo 4: 1.125 – 1.300€/mes',
    'Tramo 5: 1.300 – 1.500€/mes',
    'Tramo 6: 1.500 – 1.700€/mes',
    'Tramo 7: 1.700 – 1.850€/mes',
    'Tramo 8: 1.850 – 2.030€/mes',
    'Tramo 9: 2.030 – 2.330€/mes',
    'Tramo 10: 2.330 – 2.760€/mes',
    'Tramo 11: 2.760 – 3.190€/mes',
    'Tramo 12: 3.190 – 3.620€/mes',
    'Tramo 13: 3.620 – 4.050€/mes',
    'Tramo 14: 4.050 – 6.000€/mes',
    'Tramo 15: > 6.000€/mes',
  ];

  function fmt(n){ return n.toLocaleString('es-ES',{minimumFractionDigits:2,maximumFractionDigits:2})+'€'; }

  function calcCuota(){
    const anual = parseFloat(document.getElementById('rdIngresos').value)||0;
    const sit   = document.getElementById('rdSit').value;
    if(anual <= 0){ document.getElementById('rCuota').style.display='none'; return; }

    const mensual = anual / 12;

    // Tarifa plana nuevo autónomo: 80€/mes los 12 primeros meses
    if(sit === 'nuevo'){
      document.getElementById('rdCuotaMes').textContent = '80,00€';
      document.getElementById('rdCuotaAno').textContent = '960,00€';
      document.getElementById('rdTramo').textContent    = 'Tarifa plana';
      document.getElementById('rdBase').textContent     = '—';
      document.getElementById('rdExtra').innerHTML      =
        '✅ Como nuevo autónomo puedes acogerte a la <strong style="color:#fff">tarifa plana de 80€/mes</strong> durante los primeros 12 meses. A partir del 2º año cotizas por tramos según tus ingresos reales. ' +
        '<a href="/blog/es/tarifa-plana-autonomo-2026/" style="color:var(--neon-green);">Ver guía completa sobre tarifa plana →</a>';
      document.getElementById('rCuota').style.display='block';
      return;
    }

    // Encontrar tramo
    let idx = TRAMOS_2026.findIndex(t => mensual <= t[0]);
    if(idx < 0) idx = TRAMOS_2026.length - 1;

    const [, base_min, cuota_min] = TRAMOS_2026[idx];
    const tramo_label = TRAMO_LABELS[idx];

    // Autónomo societario: base mínima especial 1.000€ → cuota ~313€
    const cuota = sit === 'societario' ? Math.max(cuota_min, 313) : cuota_min;
    const base  = sit === 'societario' ? Math.max(base_min, 1000) : base_min;

    document.getElementById('rdCuotaMes').textContent = fmt(cuota);
    document.getElementById('rdCuotaAno').textContent = fmt(cuota * 12);
    document.getElementById('rdTramo').textContent    = tramo_label;
    document.getElementById('rdBase').textContent     = fmt(base) + '/mes';

    const pct = anual > 0 ? (cuota*12/anual*100).toFixed(1) : 0;
    let msg = `Tus ingresos netos mensuales estimados son <strong style="color:#fff">${fmt(mensual)}</strong>, 
               lo que te sitúa en el <strong style="color:#fff">${tramo_label}</strong>.<br>
               La cuota de SS representa el <strong style="color:#fbbf24">${pct}%</strong> de tus ingresos netos anuales.<br>`;
    if(parseFloat(pct) > 20){
      msg += '⚠️ Tu cuota representa más del 20% de tus ingresos. Revisa si puedes reducir tu base de cotización al mínimo del tramo o acogerte a bonificaciones disponibles.';
    } else {
      msg += '✅ Tu ratio cuota/ingresos es razonable. Recuerda que cotizar más implica mayor pensión futura y mejor cobertura.';
    }
    document.getElementById('rdExtra').innerHTML = msg;
    document.getElementById('rCuota').style.display = 'block';
  }
  </script>

  <!-- AD MID -->
  <div class="t-ad"><span class="t-ad-lbl">Publicidad</span>
    <ins class="adsbygoogle" style="display:block" data-ad-client="ca-pub-8646605813103981" data-ad-slot="auto" data-ad-format="auto" data-full-width-responsive="true"></ins>
    <script>(adsbygoogle=window.adsbygoogle||[]).push({});</script>
  </div>

  <!-- ── BLOQUE PRO ──────────────────────────────────────────────── -->
  <br />
<b>Warning</b>:  Undefined variable $is_pro in <b>/var/www/securecore/herramientas/simulador-cuota-autonomo/index.php</b> on line <b>242</b><br />

  <br />
<b>Fatal error</b>:  Uncaught Error: Call to undefined function sc_premium_block() in /var/www/securecore/herramientas/simulador-cuota-autonomo/index.php:372
Stack trace:
#0 {main}
  thrown in <b>/var/www/securecore/herramientas/simulador-cuota-autonomo/index.php</b> on line <b>372</b><br />