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You start making money with your content. One month you get paid for a collaboration with a brand, another month you sell some courses and start receiving affiliate income. All of this money falls into your personal account, so you use it to pay for everyday expenses.
Everything is fine... until the quarter comes and the Treasury tells you that you must pay more than €1,000 in taxes. You don't have that money set aside. The problem isn't that you haven't earned enough, but that you haven't properly separated your personal and professional finances.
If you are self-employed in Spain and generate income as a creator, having an exclusive account for your business and knowing how much you can pay yourself as a salary is key to not getting into trouble.
When you mix personal income and expenses with those of your business, it's easy to lose control of how much you're actually earning. Having a separate account allows you to see at a glance how much money is coming in and going out of your business, facilitating better financial decisions.
The Treasury does not accept screenshots or lists in Excel. Separating your finances makes it easier for you to comply with your tax obligations, such as the quarterly VAT and personal income tax return. In addition, in the event of an inspection, you will be able to clearly justify your income and deductions, which can help you a lot.
If you pay for professional expenses with your personal account, it will be more difficult for you to prove to the Treasury that they are deductible. Separating your accounts allows you to identify what a business expense is and optimize your tax burden.
Charging contributions to your personal account gives an unprofessional image. Using a specific account for your business makes it easier to manage payments and avoids billing errors.
You don't need a traditional bank. Platforms like Mecena allow you to manage your money with an account designed for creators, with Spanish IBAN and customizable debit cards.
Set up your professional IBAN on all the platforms you work with: Twitch, YouTube, TikTok, Fiverr, Patreon, etc. Thus, all payments will come to the same account and you will have total control over what you earn.
With Mecena, you can have an exclusive debit card for your business expenses. This allows you to pay for subscriptions, advertising, equipment or trips without confusing them with personal expenses and apply the corresponding deductions. In the eyes of the Treasury, this is a big step in justifying the cost savings.
Let's say that an independent creator generates income from collaborations, online courses and affiliates. Your activity is variable, but you need a clear strategy to pay yourself a salary without surprises.
This month, your income was:
We do a simple calculation of taxes and expenses:
A particularly useful feature of Mecena is the IVAHUCHA. This tool helps you calculate in real time how much money you should set aside for your quarterly VAT and personal income tax obligations, based on your income and expenses. This is especially valuable for you content creators, because:
Separating your personal and professional finances as a freelance content creator in Spain is not only a good practice, but a necessity for the long-term success of your business. It provides you with financial clarity, facilitates tax compliance, professionalizes your business and protects you legally.
Mecena makes it easy for you with a professional bank account for creators, management tools and personalized advice.
✅ Open an exclusive account for your professional activity.
✅ Follow a clear method to pay yourself a risk-free salary.
✅ Use Mecena's Ivahucha to reserve taxes automatically and avoid scares at the end of the quarter.
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