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Live · FinTech · Autónomo taxes in Spain

Spanish autónomo taxes: every receipt with its legal basis, Modelo 303 and 130 ready by the deadline.

My own product for autónomos in Spain - self-employed people who file two returns every quarter, IVA and IRPF, while a gestoría charges around €80 a month and deducts only what's beyond dispute. AYFI turns a receipt photo into an expense with a status and the article of law behind it, builds Modelo 303, 130 and 349 on its own, opens every box down to the source invoices and shows every deduction the law allows. The person files it themselves in the Sede in five minutes. 8 languages, web and Telegram. Live since 3 October 2026.

What
Web + Telegram Mini App
For
Autónomos in Spain
Forms
303 · 130 · 349 · Renta
Status
Live · 8 languages
Open ayfi.pro →
- The problem

An autónomo pays a gestor to copy receipts into a spreadsheet. And still overpays tax.

Spain has no flat-rate freelancer scheme and no single app that covers it. Every quarter an autónomo files Modelo 303 for IVA and Modelo 130 for IRPF, and once a year the Renta. Most hand it to a gestoría: around €80 a month, a bag of paper on the last day of the quarter, and an amount to pay with no explanation.

Pain 01
A receipt that never arrives is never deducted
Lunch with a client, a taxi, a software subscription. The receipt stays in a jacket pocket and the gestor never sees it. Every €100 of lost expenses costs €19 to €47 in extra IRPF, plus IVA that can't be recovered.
Pain 02
The gestoría deducts only what's beyond dispute
A borderline expense is easier to reject than to defend. 30% of utilities when working from home, meals on work trips, the family's health insurance - the law allows them, but nobody asks. And before Hacienda it's the autónomo who answers for the return.
Pain 03
Two deadlines every quarter, with a surcharge
303 and 130 are due between the 1st and the 20th after the quarter. File late and it's 1% plus another 1% for every full month. The person sees the amount for the first time on the due date and has no way to check it.
Pain 04
A foreign language and a black box
Someone who has just moved to Spain opens the Sede in a Spanish they don't speak yet: casillas, modelos, estimación directa. The gestor doesn't explain how the amount came about, and their own receipt can't be found in the gestor's spreadsheet.

The quarter builds itself one receipt at a time - and every number explains itself.

Not «another bookkeeping app» and not a stand-in for the tax agency. AYFI prepares the returns and shows why each number is what it is. The person signs and files themselves - or takes the finished quarter to a gestor and pays for a check, not for sorting receipts.

A receipt photo at the till
Amount, date, vendor and IVA rates are read automatically. Invoices to clients are read from PDF, bank transactions come in from a CSV statement. No bank password needed.
Every expense has a status and an article of law
Deductible, partly deductible, not deductible, or waiting for an answer. Next to it is the rule: LIRPF art. 30.2.5ª c) for a meal on a work trip, the €26.67 daily cap, the IVA share. You can see what this receipt saves.
It asks instead of guessing
When a deduction needs a fact - an overnight stay away from home, Spain or abroad - AYFI asks. A borderline expense is marked «Under review» and stays out of the calculation until it's clear it was for the work.
Modelo 303, 130 and 349 by the deadline
The boxes are filled in, and each one opens down to the invoices and receipts it came from. The books export in the format the tax agency itself imports. What's left is copying the numbers into the Sede - five minutes.
Renta and a view of the year
An estimate of the annual return for Madrid, Catalonia, Andalusia, Valencia and the Balearics. The home screen shows how much to set aside for the next deadline and which RETA bracket the income falls into.
Eight languages, web and Telegram
Español, English, Deutsch, Français, Italiano, Română, Russian, Ukrainian. Each language is written, not translated; Spanish terms - modelo, casilla, NIF - stay Spanish, as they are in the Sede.

Tax logic lives in data, checks live in the build.

A tax product can't rely on a developer remembering the law correctly. Everything a number on the return depends on is written down explicitly, versioned and checked by a machine on every change.

/ 01
Rules are data, not code
38 rules for the tax year across 19 expense categories, each with its article of law, its caps and the questions to ask. When the law changes, a new version of the rule is published from the admin, with no release. Quarters already computed are not rewritten after the fact.
/ 02
Reference calculations on every change
Over a hundred reference cases - forms, obligations, edge cases - and more than 1,200 tests run before every merge. A box can't change its number silently: the build fails before a user ever sees a different amount.
/ 03
Nothing is deleted
Editing an expense keeps the previous version, and voiding one keeps its history - as the rules for keeping the books require (Orden HAC/773/2019). You can see who changed what, and when, in a quarter that has already been filed.
/ 04
Access to Hacienda stays with the person
AYFI asks for no digital certificate, no Cl@ve, no power of attorney, and files nothing on its own. Servers are in the EU, the statement is uploaded by the person, and everything can be exported or deleted at any time without writing to support. A receipt with health data is not processed automatically.
/ 05
Tested on my own return
I'm an autónomo in Spain myself. I filed my own Modelo 130 for Q3 2026 on 13 October from books exported from AYFI. Everything I tripped over on the way went into the product before a user could hit it.
/ 06
Plans with no extras
A free plan forever: 10 receipts a month and a quarter's calculation. Físico - €4.99 for employees who file the Renta once a year. Autónomo - €14.99 a month with Modelo 303, 130 and 349. No extra charge for the quarter, the export or the Renta estimate.
- What already works

In production since 3 October 2026, sign-up is open.

€14.99 / mo
Instead of about €80 at a gestoría. Over €800 a year saved - before the deductions a gestoría won't take.
3 forms
303, 130 and 349 every quarter plus a Renta estimate. Every box opens down to the receipt.
8 languages
App, site, bot, emails and legal documents in all eight - never «Spanish only».

What it looks like.

The site, the web version and the Telegram app. The web version shows a demo account.

ayfi.pro home page
ayfi.pro - one receipt on the first screen: what's deductible, under which rule and what it saves
Web version home
Home: the 303 amount due, what to fix before filing and how much to set aside
Quarter's expenses
The quarter's expenses, each with a status: deductible, under review, detail missing
An expense missing a detail
A fact is missing - AYFI asks instead of guessing. The article of law is a link
Modelo 303 for the quarter
Modelo 303: what to fix before filing, and every box with its article of law
Modelo 130 for the quarter
Modelo 130: income and expenses year to date, including the 5% allowance without receipts
Home in Telegram
In Telegram: the quarter, the deadline and the latest expenses on one screen
Expenses in Telegram
Expenses by month with deductible IVA
A partly deductible expense
A meal above the daily cap: partly deductible, and you can see why

A product where a regulator checks the number?

If you work on taxes, accounting, payouts or any calculation a customer answers for to the state - in 30 minutes we'll go through how to move the rules out of code into data and set up the check that catches a mistake before the customer does. If the task isn't mine, I'll say so honestly.

Discuss your task → nick@nikam.dev