Expat Explained · estimate printed · · not tax or legal advice
Spain, made clear · Free · Officially sourced
Spanish money questions, answered with your numbers
Calculators for English speakers living, working or buying in Spain. Tax figures come from official sources, and each page shows when we last checked them.
Calculators
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Autónomo social security
Your monthly cuota as a self-employed worker, the band you fall in, and what changes if you earn more.
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Salary: gross to net
What a Spanish salary is really worth each month after income tax and social security, by region.
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Employee or autónomo?
Compare a salary offer with invoicing the same work as a freelancer, and see your break-even day rate.
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Property purchase costs
Transfer tax or VAT, stamp duty, notary and registry on top of the price, with first-home reliefs, for every region.
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Mortgage calculator
Your monthly payment and total interest, plus the cash you need upfront with buying taxes and fees for your region.
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Beckham law comparison
Would the 24% flat-tax regime for people moving to Spain save you money? See your saving over six years.
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UK pension taxed in Spain
Which country taxes your State, private and government pensions, and how much Spanish tax you will pay.
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Guides
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Finding a job in Spain as an English speaker
Where to look, whether you need permission to work, getting your qualifications recognised, and teaching English.
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Getting a mortgage in Spain as a foreigner
Residents and non-residents, the documents banks ask for, your binding offer, the free notary session and who pays what.
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Finding and buying a property in Spain
Where to look, estate agents, the checks before a deposit, the arras contract, signing at the notary and the yearly tax for non-residents.
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Health insurance for a Spanish visa
What the non-lucrative and digital nomad visas ask for, and how UK pensioners use an S1 instead.
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Opening a bank account in Spain
Resident and non-resident accounts, the NIE, your right to a basic account, and moving money from the UK.
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Getting your NIE (and the appointment)
What the NIE is and is not, how it differs from the TIE and the EU certificate, the form, the fee and where to apply.
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Did you know?
- €903 more take-home a year on a €50,000 salary in Madrid than in Extremadura. See the numbers →
- €12,000 difference in taxes and fees on a €300,000 second-hand home between Madrid and Cataluña. See the numbers →
- €64,200 is roughly the salary where the Beckham law starts beating normal income tax in Madrid. See the numbers →
Why trust these numbers? Tax and social security figures come from official sources, each page shows when we last checked them, and anything we couldn't confirm is marked unverified. See every source →