Spain tax return (Renta) simulator
Estimate if your Spanish annual tax return will result in payable or refundable. Enter your income, withholdings and personal situation.
Rendimientos del trabajo
Actividades económicas
Base del ahorro
Situación personal
How it works
The Spanish annual tax return (Renta, IRPF) is the most important annual fiscal obligation for Spanish taxpayers. Between April and June each year, the Spanish Tax Agency reviews the previous year's earnings and calculates the total tax liability, which is compared against withholdings and on-account payments already made. The result can be payable (if withholdings were insufficient) or refundable (if too much was withheld). This simulator estimates the final result combining the two taxable bases: the general base (employment, business activities, property income) and the savings base (interest, dividends, capital gains from investments).
General base vs savings base
The Spanish IRPF distinguishes two taxable bases with different tax treatment. The general base includes employment income, business earnings, property rents and certain capital gains not linked to transfers. It is taxed using the progressive IRPF brackets (state + autonomous), ranging from 19 % to 47 % or more. The savings base includes interest, dividends, capital gains from the sale of shares, funds, real estate, etc. It is taxed with its own brackets ranging from 19 % to 28 %.
Personal and family minimums
Before calculating the tax, personal and family minimums are applied: a personal minimum of €5,550, increased for dependent children (€2,400 first child, €2,700 second, €4,000 third, €4,500 fourth and beyond), age (€1,150 from age 65, €1,400 from 75) and disability (€3,000 with 33-64 % grade, €9,000 with 65 % or higher). These minimums reduce the final tax.
Why it's an estimate
The actual tax return may include many deductions and particulars not reflected here: habitual residence deduction (in residual cases), specific autonomous deductions (birth, rent, startup investment, education expenses…), pension plan contributions, offsets between positive and negative income from prior years, etc. Use the official AEAT Renta Draft for the definitive return.
Frequently asked questions
The Renta campaign usually opens around April 5-10 and extends until June 30. If payable and you wish to direct debit, you must file before June 25. Outside the deadline, late-filing surcharges apply.
Those earning over €22,000 annually from a single employer, or €15,876 with two or more employers (with the second and following exceeding €1,500), self-employed workers, and those who have sold shares or real estate, among others, are required to file. Filing when not required is often useful if it results in a refund.
Yes. Spouses and taxpayers with dependent children can file jointly if it is more favourable. In joint filing, the personal minimum has an additional €3,400 for the spouse, and the minimums for children apply only once. It is recommended to simulate both modalities (individual and joint) to choose the best option.
Losses on the savings base not offset in previous years can be carried forward for up to four fiscal years. This simulator does not consider offsetting from prior years.
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This tool provides an estimate based on current Spanish regulations. The results do not constitute tax or legal advice. Always consult a professional advisor or the relevant official bodies before filing tax returns.
