Spain Tax Calculator (2026): Estimate What You Owe

What the Spain Tax Calculator Includes

The calculator estimates ordinary resident IRPF on employment or net self-employment income and applies the separate national savings scale to interest, dividends and capital gains entered in the savings field. It combines the state scale with the selected autonomous community’s scale.

It currently supports Madrid, Cataluna, Comunidad Valenciana and Andalucia. The Beckham Law toggle adds a comparison using the special flat rate for qualifying newcomers; it does not determine whether you qualify.

For the underlying brackets and regional differences, use Spain tax rates by region. The broader taxes in Spain guide explains which Spanish taxes may apply beyond income tax.

How the Calculator Works

Ordinary resident income tax is progressive. The calculator applies each state bracket and the selected regional bracket to the part of the general taxable base falling within it. It then applies the personal minimum by calculating the tax attributable to that minimum and subtracting it from the result, following the published IRPF method.

Employment calculations apply the standard €2,000 deductible expense and the applicable earned-income reduction. Savings income runs through its own national scale. The result separates state, regional and savings tax and shows the effective rate on the income entered.

The Beckham comparison applies 24% to eligible Spanish-source employment or professional income up to €600,000 and 47% above that amount. It is a numerical comparison only; the Beckham Law service page owns the eligibility and application rules.

What the Estimate Does Not Include

The calculator does not model every personal deduction, dependent or disability allowance, pension contribution, double-tax relief, foreign tax credit or special regional relief. It also excludes employee Social Security, autonomo RETA contributions, wealth tax, inheritance tax and non-resident IRNR.

Do not use it for a non-resident filing. Non-resident tax in Spain covers that separate regime. Self-employed users who need IRPF and RETA together should use the autonomo tax calculator.

Rates and Tax Year

The state and savings scales have support for use in the 2026 estimate. The four regional scales are confirmed 2025 scales and are not presented as enacted 2026 regional rates. Regional rates and deductions can change independently, so confirm the applicable tax-year rules before relying on the estimate. It is a planning tool, not a filed assessment.