Free Spain tax planning tool

Spain tax calculator: Beckham Law and ordinary IRPF

Compare a qualifying Article 93 scenario with an ordinary Spanish income tax estimate. Choose salary, self-employment profit, or a taxable base and inspect how Social Security affects the result.

Calculator · Tax planning

Estimate tax and Social Security

Estimate income tax and your Social Security contributions under Beckham Law or ordinary IRPF. Choose employee, autónomo, or a manual contribution amount; ordinary IRPF also supports a simplified salary estimate.

2026 current law

For a person who independently qualifies and elects Article 93. A DNV approval alone does not establish eligibility.

Work / general income subject to Article 93 € Total taxable amount—not salary after Social Security. Spanish-taxable savings income in this regime € Only dividends, interest, or gains actually subject under Article 93. Do not enter total worldwide investments.

Social Security · 2026 Select your coverage. Overseas coverage requires a valid exemption; foreign contributions are not estimated.

Latest finalized reference: tax year 2025

Tax year 2026 has not closed. This mode combines 2025 IRPF reference scales with 2026 Social Security for planning. Enter your annual business profit or salary. We calculate Social Security and deduct it before estimating ordinary income tax.

Income input Enter income once. Self-employed profit means revenue minus business expenses, before your own Social Security and income tax.

Annual profit before Social Security € Revenue minus business expenses, excluding VAT. Do not subtract your own Social Security or income tax. Autonomous community Navarra and the Basque Country use separate foral systems and are excluded. State personal and family minimum € €5,550 is the basic taxpayer minimum before age, family, or disability additions. Regional personal and family minimum € Some communities set different amounts. Enter your applicable regional minimum.

Social Security · 2026 Select your coverage. Overseas coverage requires a valid exemption; foreign contributions are not estimated.

How the estimate works: Self-employed mode starts with profit after business expenses, calculates your Social Security, then deducts it once before estimating ordinary IRPF. It assumes an individual autónomo registered all year and excludes further income-tax expenses or reductions, including the simplified-regime allowance. Estimates use 2025 tax scales with 2026 contributions. Taxable-base mode assumes Social Security has already been deducted and does not deduct it again.

Methodology

What the tax estimate includes

Results are calculated in your browser. The forms do not send your income to our server.

Article 93

The special regime applies 24% to qualifying work or general income through €600,000 and 47% above. Entered Spanish-taxable savings income uses the applicable savings bands. A DNV approval alone does not qualify you for this regime.

Ordinary IRPF

For planning, this mode applies 2025 state and regional reference scales and personal minimums. It combines them with 2026 Social Security assumptions. Tax year 2026 is not yet finalized.

Take-home estimate

Salary and self-employed modes subtract estimated Social Security and income tax from entered earnings. They exclude withholding, credits, further deductions, treaty effects and special territories. Use the advanced mode only when you already know your taxable base.

Primary sources and further reading

Social Security checked September 27, 2026; other sources checked September 4, 2026. This is a planning estimate, not a tax return.

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Turn the number into a document plan

A tax estimate needs the right work setup.

Use the guide to connect your visa route, work arrangement, Social Security evidence, and tax questions before you move.

Get the guide — €29 Check DNV eligibility