You get punished as autonomo for succeeding

Proper nightmare. When I registered as autonomo in January I had to estimate my yearly income for the new tramo system. My gestor said to be conservative so I estimated around €45k based on my 2024 freelance work.

Turns out business absolutely took off this year, landed 3 major clients and I'm on track to make more than twice what I estimated. Should be celebrating but instead I'm stressed because I'm stuck in a lower tramo paying less per month when I should be in a higher tramo.

The mental bit is that when they do the adjustment next year based on my actual income, I'll have to pay back the difference for the entire year. That's like a few grand extra I'll owe in one go.

My accountant says I can change tramo up to 6 times per year but only on specific dates. Missed the May deadline so now I'm stuck until July paying the wrong amount.

The old system was simpler where everyone just paid the minimum cuota and sorted it out later. Now if you get your estimate wrong you're either overpaying monthly or facing a massive bill at the end.

Been trying to put money aside each month for the adjustment but it's hard to calculate exactly how much. Plus my income varies month to month with freelance work.

The new system is supposed to be "fairer" but honestly feels like punishment for doing well.