Spain’s tax system can be complex, especially for expats navigating income tax brackets, social security contributions, wealth tax, and the Beckham Law special regime. Whether you are employed on a Spanish contract, working as an autonomo (self-employed freelancer), or receiving pension income, understanding your tax obligations before you arrive is essential for financial planning and choosing the right visa pathway.
Our Tax Calculator estimates your 2026 Spanish tax burden across four dimensions: income tax (IRPF) with regional variations, social security contributions, the Beckham Law flat-rate regime for qualifying new arrivals, and wealth tax (Impuesto sobre el Patrimonio). Enter your employment type, gross income, and region to see a detailed breakdown of your take-home pay and total tax liability.
Spain Tax Calculator
Estimate your income tax, social security, wealth tax & take-home pay
💼 Employment Type
💰 Income
Common: 25–40% for freelancers
ℹ️Foreign pensions are taxed in Spain as employment income (rendimientos del trabajo). Retirees don’t pay Spanish Social Security. Check your country’s double-taxation treaty — some government pensions are only taxed in the origin country.
📍 Region
👤 Personal Situation
Estimated monthly take-home
€0
After income tax and social security
€0
Annual gross
€0
Total tax + SS
0%
Effective rate
0%
effective
IRPF: €0
Social Security: €0
Estimates based on 2025–2026 IRPF brackets. Actual tax may vary — consult a gestor or tax advisor. Powered by Spainguru.es
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Income Calculation
From gross to taxable base
€0▼
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Social Security
Employee contributions
€0▼
📊
IRPF Tax Brackets
State + regional progressive rates
€0▼
State brackets (tarifa estatal)
Regional brackets (Valencia)
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Personal & Family Deductions
Mínimo personal y familiar
−€0▼
Annual net take-home
€0
That’s €0 per month
€0
IRPF
€0
Social Security
0%
Effective rate
⚖️ What is the Beckham Law?
Spain’s Régimen de Impatriados (Beckham Law) lets qualifying new residents pay a flat 24% income tax on Spanish-sourced income up to €600,000 (47% above), instead of the progressive IRPF rates. It lasts 6 years. You must not have been a Spanish tax resident in the previous 5 years.
⚠️Beckham Law & retirees: This regime is designed for people moving to Spain for work (employees, directors, entrepreneurs, digital nomads). Retirees on a Non-Lucrative Visa or retirement visa generally do not qualify. The comparison below is shown for reference only.
📋 Normal IRPF
€0
annual net
⭐ Beckham Law
€0
annual net
Annual savings with Beckham Law
€0
€0 more per month
📋 Eligibility Checklist
✅ You may qualify if:
— You haven’t been a Spanish tax resident for the last 5 years — You’re moving to Spain for work (employed, director, entrepreneur, or remote worker) — You apply within 6 months of registering with Spanish Social Security
⚠️ Keep in mind:
— Lasts 6 years (year of arrival + 5 more) — Only Spanish-sourced income taxed at 24% — foreign income may be exempt — No personal/family deductions apply under this regime — Cannot benefit from Spain’s double taxation treaties — Retirees / Non-Lucrative Visa holders generally do not qualify
Simplified comparison. Consult a tax advisor for your specific situation. Powered by Spainguru.es
🏦 Spain’s Wealth Tax (Impuesto sobre el Patrimonio)
Spain taxes worldwide net assets annually for tax residents. There’s a €700,000 personal exemption (€1,000,000 in Valencia) plus up to €300,000 for your primary residence. Madrid and Andalucía apply a 100% bonification (effectively 0%). For net assets above ~€3.7 million, the national Solidarity Tax applies even in those regions.
💎 Your Assets
Property + investments + savings − debts
Exempt up to €300,000
Annual wealth tax
€0
No wealth tax to pay
€0
Taxable base
€0
Wealth tax
€0
Solidarity tax
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How It’s Calculated
Exemptions, brackets, solidarity
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🗺️ How Much Would You Pay in Each Region?
💡Madrid and Andalucía charge 0% wealth tax, but the national Solidarity Tax still applies if your net assets exceed ~€3.7 million. Choose your region wisely — it can save thousands per year.
Based on 2025–2026 rates. Business assets and pension plans may have additional exemptions. Consult a tax advisor. Powered by Spainguru.es
