Spain

Spanish income tax is split in two. Half of the IRPF scale is the state's and half belongs to the autonomous community, which sets its own bands and rates, so the same salary is taxed differently in Madrid, Catalonia and Andalusia; the Basque Country and Navarre run their own foral systems altogether. Employers withhold a monthly retención that the annual return in spring settles. The take-home pay calculator applies the community you choose. Buying a home is taxed by the communities too: a resale pays the transfer tax ITP at a rate each sets, from 6% to 13%, while a new home pays 10% VAT and stamp duty, AJD, instead, as the stamp duty calculator shows.

The retirement age depends on your record as well as your birth date. The ordinary age is 66 and 8 months in 2026 and reaches 67 in 2027, but a long enough contribution record still lets you retire at 65 on a full pension, so the age to enter in the retirement calculator is your own. Spain has no statutory cap on card interest; instead the Supreme Court treats a revolving card as usurious, and its interest void, when its APR runs more than six points above the Banco de España's average for that product, the test it has applied since February 2023 and the backdrop to the credit card payoff calculator. And registration tax on a car is set by CO2 bands, nothing at 120 g/km or less and 4.75% just above, a cliff edge the car loan calculator explains.

The calculators below are set up for Spain, and each one says which of these rules it models. Every dataset behind them is listed at the foot of this page with the date it applies from.