Calculators

Purchase price (€) Type of home

Tax residence Resident in Spain Non-resident

Cadastre reference value (€, optional)If it is higher than the price, ITP is paid on it. Mortgage (€, optional) Main home, you are under 35 and the price is no more than €150,000 Include a lawyer (1 % + VAT)

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Sale price (€) Purchase price (€) Purchase date Purchase costs (€)Taxes, notary and registry fees you paid when you bought.

Tax residence Resident in Spain Non-resident

You are 65 or older and you are selling your main home You are selling your main home and reinvesting all of it in another main home

Agency commission (%, excl. VAT) Outstanding mortgage (€) Total cadastral value (€)On your IBI (council tax) bill. Land cadastral value (€)On your IBI bill. Without it the municipal plusvalía cannot be estimated. Your town hall’s plusvalía rate (%)The legal maximum is 30 %; it may be lower depending on the municipality.

More details (optional)

Improvements and renovations (€)With invoices: they reduce the gain. Depreciation deducted (€)If you rented it out and deducted them in your tax return. Bank early-repayment fee (%) Expected sale date

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Property price (€) Financing (% of the price) Term (years) Annual interest rate (%)

Non-residents usually get up to 60–70% of the value; the rest and the costs (≈12%) are paid as a deposit.

Purchase price (€) Purchase costs (€) Monthly rent (€) Annual costs: community fees, IBI, insurance, upkeep (€) Occupancy (%) Tax residence

Price (€) Monthly rent (€) Tax residence

Gross yield = annual rent ÷ price × 100. The net yield depends on costs, IBI and community fees: use the “Yield / ROI” tab.

An indicative calculation, not tax or legal advice. Rates in force in Andalusia as of 10/10/2026.

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