Use the present indicative to state facts, describe current states, and talk about habitual actions. It is the default tense for most present-tense statements.

Signal words: sé quees verdad queestá claro queveo quecreo que (affirmative)
Pronoun Present Indicative
yo incauto
incautas
él/ella/Ud. incauta
nosotros incautamos
vosotros incautáis
ellos/ellas/Uds. incautan

Use the present subjunctive after verbs of wanting, doubting, fearing, recommending, and emotional reactions, especially when the subject of the main clause differs from the subordinate clause.

Signal words: quiero queespero queojaláes importante quedudo queno creo queme alegra quecuando (future)para que
Pronoun Present Subjunctive
yo incaute
incautes
él/ella/Ud. incaute
nosotros incautemos
vosotros incautéis
ellos/ellas/Uds. incauten
Key contrast

"Creo que habla bien" (indicative — stating a belief as fact) vs "No creo que hable bien" (subjunctive — expressing doubt). Negation of belief triggers the subjunctive.

Present Indicative vs Present Subjunctive: common questions

What triggers the subjunctive in Spanish?

The subjunctive is triggered by WEIRDO: Wishes, Emotion, Impersonal expressions, Requests/Recommendations, Doubt/Denial, and Ojalá. It nearly always appears in a "que" subordinate clause with a different subject.

Is "creer que" followed by indicative or subjunctive?

Affirmative "creer que" takes the indicative ("Creo que es verdad"). Negative "no creer que" takes the subjunctive ("No creo que sea verdad") because it expresses doubt.

Do present subjunctive forms look like anything else I know?

Yes — -ar verbs in the present subjunctive use -er endings, and -er/-ir verbs use -ar endings. Yo/él/ella forms are identical, which can cause confusion in context.

Practise both tenses with incautar using spaced repetition.