CASS for freelancers in Andorra: how contributions work

If you are a freelancer (self-employed) in Andorra, contributing to the Andorran Social Security Fund (CASS) is mandatory from the first day of activity. Understanding how the CASS freelancers Andorra 2026 works is fundamental to guaranteeing your health coverage and planning your future retirement, while optimizing your business expenses. We explain in detail how the system works this year so you can choose the contribution base that best suits you.

How much do you pay to the CASS freelancers Andorra 2026?

The general contribution is set at 22% of the chosen contribution base. This reference base is calculated based on the overall average salary contributed the previous year in the country. As a freelancer, you have the flexibility to choose what percentage of this average base you apply, always justifying it according to your business profits. You can check the details and procedures on the official CASS portal.

Which brackets of the CASS freelancers Andorra 2026 can you choose?

Within the regulations of the CASS freelancers Andorra 2026, you can contribute for 25%, 50%, 62.5%, 75%, 100%, 125%, or 137.5% of the base. The choice will closely depend on your net income and annual turnover. The higher the bracket you choose, the higher the monthly quota you will have to pay, but you will also obtain better sickness benefits and a higher base for calculating your future pension.

Bonuses and special regimes

The Andorran system provides for reduced regimes to support specific groups. For example, new freelancers can request to contribute in the 25% bracket during their first year of activity. There are also bonuses for young entrepreneurs under 35 years of age (during the first two years), people with recognized disabilities, and workers who demonstrate low income.

How to choose your contribution base well

Making the right decision is very important. A base that is too low can drastically reduce your future benefits in the face of any unforeseen event, while a base that is too high unnecessarily increases your monthly quota without need. This decision must be strategically adjusted to your real income.

At Àgora Consultors we are specialists in labor and tax advisory. We analyze your case in a personalized way and help you manage the procedures of the CASS freelancers Andorra 2026 optimally. Contact us without any obligation to receive professional advice.