ESIncome tax · 2026

🇪🇸 Spain Capital Gains Tax (Renta del Ahorro)

Calculate your Spain capital gains tax (renta del ahorro) for the 2026 tax year. Get an instant breakdown of tax bands, rates, deductions, social contributions, and your net take-home pay.

Your details

Gross annual salary

€

Holding Period (months)

Apply Beckham's Law (Flat 24% Rate)If you qualify under Spain's special regime for new residents (Ley Beckham), the 24% flat rate applies to Spanish-source employment/professional income — NOT to capital gains. Spanish-source capital gains continue to be taxed at the standard progressive savings bands (19%-30%). Foreign-source savings income is generally exempt under the regime.

Tax year

2026Current

Estimates only. Calculations run in your browser. This is not financial advice — confirm with a qualified adviser before acting.

Net amount

€43,470.00

Effective rate21.0%

Marginal rate23%

Net amount €43,470.00Income tax €11,530.00

Income tax breakdown

€11,530.00

BandRateIn bandTax

19% (up to €6,000)19%€6,000.00€1,140.00

21% (€6,000 - €50,000)21%€44,000.00€9,240.00

23% (€50,000 - €200,000)23%€5,000.00€1,150.00

Gross annual salary€55,000.00

Income tax− €11,530.00

Net amount€43,470.00

Estimates for the 2026 tax year. Last updated 2026-01-01. This is not financial advice — confirm with a qualified adviser before acting.

Important notes

Capital gains in Spain are classified as savings income (renta del ahorro) and taxed at progressive rates regardless of how long the asset was held.
Losses from capital gains can be offset against other savings income within a 4-year period.