Free property calculators
For every question you ask yourself before buying, letting or selling a flat in Spain, a calculator with the real 2026 taxes and a chart that moves with your numbers. All free and without signing up.
Taxes and costs
- Costs of buying a home
Transfer tax or VAT and stamp duty, notary, land registry, agency and valuation, and the cash you need with a mortgage.
- Transfer tax (ITP) by region
The tax on resale homes in the 19 regions, with its bands and examples.
- Rental income tax
What you pay for letting: deductible costs, depreciation and the 50 to 90% reduction.
- Depreciation of a rented flat
What you deduct each year in your tax return for wear on the flat and furniture.
- Tax when selling a flat
Income tax on the gain when you sell, from 19 to 30%, with costs, improvements and depreciation.
Return
- Rental yield (full calculator)
Cash flow, return and verdict of a buy-to-let flat, with the mortgage and the taxes of your region.
- Property ROI
Gross yield, net yield and return on the cash you put in, in a minute.
- Maximum price of a buy-to-let flat
The most you should pay for the flat to give you the return you want.
- How much rent to charge?
The rent for a flat like yours in the 52 provincial capitals, with official data.
- Rent increase (CPI and IRAV)
How much your rent can rise this year, with up-to-date INE data.
- Buy or rent?
Your wealth year by year, buying or renting and investing.
- Holiday let yield
Nights, occupancy, platform and cleaning, against a long-term let.
- Room rental yield
What you keep after utilities and empty months, against letting the whole flat.
- Seasonal let yield
Letting by the month with its costs and income tax, against a long-term let.
- Rental yield by city
Price, rent and gross yield in the 52 provincial capitals, with official data.
Mortgage and new build
- Mortgage for an investment flat
Monthly payment, interest, the cash you need and whether the rent covers the payment.
- How much can I borrow?
The home you can buy with your income and savings, and what holds you back.
- Overpaying your mortgage: payment or term?
What you save by paying money off early, cutting the payment or the term.
- Yield with a mortgage
The same flat bought outright and financed: what you put in, what it leaves you and the IRR.
- Cost of building a house
The build per m² by quality, with VAT, professional fees, permits and the land.
- Building to let (land and build)
Plot, build, permits and financing: build or buy ready-made?
Next: the full study of your flat
What a full study looks like
The analysis of a flat from start to finish: detailed taxes, a 10-year projection, sale scenarios, sensitivity and the IRR. With these figures:
- IRR over 10 years
- 11.5%
- Monthly cash flow
- €169
- Net yield
- 5.3%
Find flats that already pay
Draw a circle on the map and we rank the flats for sale in the area by return, with the estimated rent of each one based on the rents around it.
The full calculator
Your flat with everything: the transfer tax of your region, the mortgage, costs, empty months and income tax. Free and without signing up: the verdict, cash flow and return.