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Best Savings & Investments for the Self-Employed in 2026 2026

The self-employed have specific financial needs: liquidity to cover quarterly VAT and income tax payments, a cushion for low-income periods, and the ability to earn yield on accumulated savings. The most suitable products combine good returns with fast access to funds.

20
Products compared
6.00%
Best APY available
4.18%
Average APY
# Entity Product APY Score Risk Liquidity View
1
ING Australia
 ING — Savings Maximiser (AU) 6.00% 8.3 Low Instant View →
2
ANZ
 ANZ Plus — Save (AU) 5.10% 8.1 Low Instant View →
3
Ibercaja
 Cuenta Vamos 5.09% 8.1 Low Instant View →
4
UK Debt Management Office
 UK Gilt 10 años 4.58% 7.2 Low Market hours View →
5
New Zealand Debt Management Office
 Nueva Zelanda Government Bond 10 años 4.47% 7.1 Low Market hours View →
6
Norges Bank
 Noruega Treasury Bill 3 meses 4.38% 7.1 Low Market hours View →
7
Australian Office of Financial Management
 Australia Government Bond 10 años 4.37% 7.1 Low Market hours View →
8
US Department of the Treasury
 US Treasury Bond 10 años 4.29% 7.1 Low Market hours View →
9
US Department of the Treasury
 US Treasury Bill 3 meses 4.17% 7.1 Low Market hours View →
10
UK Debt Management Office
 UK Treasury Bill 3 meses 4.13% 7.1 Low Market hours View →
11
Norges Bank
 Noruega Government Bond 10 años 3.95% 7.0 Low Market hours View →
12
Australian Office of Financial Management
 Australia Treasury Bill 3 meses 3.83% 7.0 Low Market hours View →
13
Agencia Financiera Federal (Alemania)
 Bund 30 años 3.79% 6.8 Low Vencimiento View →
14
Tesoro Público (España)
 Obligaciones del Estado 30 años 3.79% 7.0 Low Market hours View →
15
Agencia Financiera Federal (Alemania)
 Bund 20 años 3.76% 6.8 Low Vencimiento View →
16
Marcus by Goldman Sachs
 Marcus — Easy Access Savings (UK) 3.75% 7.8 Low Instant View →
17
Monzo
 Monzo — Instant Access Savings Pot (UK) 3.65% 7.8 Low Instant View →
18
Ministero dell'Economia (Italia)
 BTP 10 años 3.59% 6.9 Low Market hours View →
19
SME Bank
 SME Bank — Depósito 1 año (Raisin) 3.51% 7.0 Low Al vencimiento View →
20
Mano Bank
 Mano Bank — Depósito 1 año (Raisin) 3.46% 7.0 Low Al vencimiento View →
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Best savings options for self-employed workers in Spain in 2026

The self-employed have a special relationship with savings: income is variable, you must provision for quarterly taxes, and retirement is not as guaranteed as for employees. Choosing the right place to keep your money can make a significant difference in both returns and tax efficiency.

The specific financial needs of the self-employed

A self-employed worker needs three well-differentiated types of liquidity:

  • Operational liquidity — for business expenses, wages, and suppliers. Must always be available.
  • Tax provision — quarterly IRPF (advance payments), quarterly VAT, and self-employed social security. Approximately 30–35% of net income depending on the marginal rate.
  • Long-term savings — retirement and wealth buffer, as the public pension for self-employed workers tends to be lower than for employees.

Best products for tax provisions

Money reserved for taxes shouldn't sit in a zero-yield current account. With 3-month intervals between settlements, short-term deposits or savings accounts are ideal:

  • 3-month deposits — deposit in January, matures in April just before the quarterly payment.
  • Savings account — maximum flexibility, withdraw at any time. Ideal for VAT and income tax provisions.
  • Money market funds — liquidity in 1–2 business days, return close to €STR. No capital risk.

Tax-advantaged savings vehicles for the self-employed

  1. Individual Pension Plan — deduction of up to €1,500 per year from the IRPF taxable base. Limited but guaranteed.
  2. Simplified Employment Pension Plan for Self-Employed (since 2023) — allows up to an additional €4,250 in deductible contributions. Total possible: €5,750/year.
  3. PIAS (Systematic Individual Savings Plan) — if held for over 10 years, returns are taxed at just 0–14% as a life annuity.
  4. Unit-Linked Savings Insurance — investment flexibility with potentially better tax efficiency than direct fund investment in some cases.

Recommended strategy for the self-employed

Split your income into three mental "envelopes" from day one: 30% for taxes (goes to a separate savings account), 20% for savings (pension plan + long-term investment), and the remaining 50% for expenses. This discipline avoids end-of-quarter tax surprises.

Yield comparison for self-employed money

Check our full comparator for real-time yields across different time horizons. For the 3-month tax provision window, the best savings accounts currently exceed 2.50%. For 12-month savings, the best deposits reach 3.00%.

Frequently asked questions
Which product is best for a freelancer's tax reserve?
For money set aside for quarterly VAT and income tax payments, a remunerated savings account or money market fund — both with daily liquidity — is ideal. The money earns yield while awaiting the payment due date, without losing access.
Can self-employed people invest in fixed-term deposits?
Yes, but only with money they are certain not to need before maturity. A good strategy is to combine: a remunerated account for working capital + deposits for longer-term savings.
How is interest income taxed for the self-employed?
The same as for any taxpayer: interest from deposits and savings accounts is taxed as capital income in the IRPF savings base (19–23%). It is not treated as business income, so it does not affect your direct-estimate tax module.
How much emergency fund does a freelancer need?
Between 6 and 12 months of fixed costs (social security contribution, premises rent, utilities), plus the reserve for the next quarterly tax payment. That money should always be held in liquid products.
Methodology & sources

APYData aggregates rates and yields from official sources: the European Central Bank, national treasuries (bonds & T-bills), the Spanish Deposit Guarantee Fund (FGD) and banks’ official rates. Figures are updated automatically. (how it works · about us)

· Published by APYData

Cite this page: “Best Savings & Investments for the Self-Employed in 2026 2026”, APYData — https://apydata.com/en/savings-for-self-employed