Online Gestoria for Autonomos: 2026 Prices Compared

If you work as an autonomo on Mallorca, you know the same recurring duty on your calendar: Modelo 303 for VAT, Modelo 130 for income tax, both quarterly, plus the annual summary in Modelo 390. An online gestoria takes exactly that off your hands for a fixed monthly fee, without you ever having to set foot in an office in Palma. This post compares what providers like Xolo and the matching platform Hola Gestoria charge as of September 2026, what a traditional gestoria on the ground costs, and when switching back to a local office is worth it.

What an online gestoria is, and what it covers

An online gestoria is a digital bookkeeping service that handles an autonomo's ongoing tax administration: invoicing, Modelo 303, Modelo 130, and the annual filings, run through a platform instead of a physical office, usually for a fixed monthly fee instead of billing by the hour.

The term covers two different models. Providers like Xolo employ their own staff and offer a continuous online portal for invoices, receipts, and forms. Hola Gestoria works differently: it is a matching platform that assigns you an independent, local gestor, but you pay through the platform and use its invoicing tool. For the plain tax obligations of an autonomo with a single, clear line of business, the cheapest tier from a provider is usually enough. Once business abroad, several activities, or property ownership enter the picture, the choice gets more complicated, more on that in the last section.

What online gestorias cost in 2026

These figures cover the plain ongoing bookkeeping of an autonomo with one activity. As an autonomo, you can claim the 21 percent IVA as a business expense, which lowers the net cost accordingly. Hola Gestoria's own comparison puts total first-year costs at around 388 EUR net, against about 588 EUR with Xolo and over 1,260 EUR at a traditional firm with comparable scope. Figures like these are marketing material, not an independent survey, but they give a realistic sense of scale.

Xolo and Hola Gestoria compared

Xolo tiers its offering by client base: the Local plan suits autonomos with exclusively Spanish clients, Global comes into play once you also invoice clients abroad and need an intra-EU VAT number. Invoices run automatically through Spain's Verifactu system, which reports electronic invoices directly to the tax authority. The Renta, the annual income tax return, is not automatically included with Local or Global, it costs an extra 6 EUR a month unless you stay a customer for at least six months.

Hola Gestoria works differently: the platform itself is not a gestoria, it matches you with independent gestores across Spain and specifically advertises support in German in addition to English and Spanish, a difference from most pure online tools. You pay through the platform, but the tax obligation stays with you as the autonomo, while the actual work sits with your assigned gestor.

What is included, who files, and who is liable

Almost every base plan includes Modelo 303 (quarterly VAT) and Modelo 130 (quarterly income tax prepayment), plus the annual summary in Modelo 390. What regularly costs extra or is missing from the cheapest tier:

• The Renta (Modelo 100), your personal annual tax return
• Modelo 720 for foreign assets over 50,000 EUR, such as a bank account or property back home
• The registration itself (alta) via Modelo 036, if you are not yet registered as an autonomo
• Larger batches of receipts or several business lines at once
• Personal advice outside the chat, such as a phone call with a tax adviser

You file the alta itself through the Sede Electronica of the Agencia Tributaria, regardless of which provider you later choose for ongoing bookkeeping. In parallel, registration in the RETA, the special regime for the self-employed, runs directly through the Seguridad Social.

For pure self-service, such as the Xolo Lite plan, you also need your own access to the Sede Electronica via Cl@ve or a Certificado digital. In that case, responsibility for correct and on-time filings rests entirely with you. With a full bookkeeping plan, the provider files the forms through its own access, but is only liable for gross errors within its professional insurance, not for wrong information you supplied yourself.

With matching platforms like Hola Gestoria, there is an extra layer: the platform itself is not a gestoria administrativa and, by its own account, does not provide tax or legal advice, only the assigned, independent gestor does. So before signing up, ask who you would deal with in a dispute with the Agencia Tributaria, the platform or the individual gestor.

When online is enough, and when a Mallorca office pays off

An online gestoria is usually enough if the following apply to you:

• You have a single, clearly defined activity with one IAE epigrafe
• You do not own property and have no reportable foreign assets over 50,000 EUR
• You are comfortable with an app or web portal instead of an in-person appointment
• English, or German where offered, works fine as your language of communication

Once rental income from abroad, an investment account, an inherited property, or several activities at once come into play, a local gestoria or tax adviser usually becomes the better choice, because there one contact knows your whole situation instead of just the autonomo part. Our post on tax adviser costs on Mallorca shows how prices differ for that.

Is Hola Gestoria a gestoria in its own right? No, the platform matches you with independent, local gestores and does not provide tax advice itself. Professional responsibility for the bookkeeping lies with the assigned gestor, not the platform.

Can an online gestoria also handle my initial registration as an autonomo? Yes, most providers offer the alta with Hacienda either free with a minimum term or for a one-time fee. Our post on filling out Modelo 036 explains how the form itself is structured.

Is an online gestoria worth it if you have foreign income like a pension or rental property? Only to a point. Modelo 720 for foreign assets and a Renta that includes a foreign pension or a rented-out property abroad are usually not covered automatically by the cheap online plans, that costs extra or fits better with a local office on Mallorca experienced in cross-border cases.

Conclusion

For autonomos with a clear, simple activity, online gestorias are the cheaper choice in 2026: 15 to 65 EUR a month with Xolo or 29 EUR through Hola Gestoria's matching service, against 60 to 150 EUR at a traditional gestoria on Mallorca. The gap shrinks once Renta, Modelo 720, or several activities enter the picture, since online providers often bill those separately. So do not just compare the monthly fee, factor in registration, Renta, and special cases before you decide. With foreign income or property, it is almost always worth looking at a local gestoria.