Spain relocation affordability checker

Pick an autonomous community. Basque Country and Navarre are not on the picker. Modelled on a single professional in a 1-bed.

Autonomous community picker; Basque Country and Navarre are not included.

Estimates, last updated Oct 17, 2026.

Agency fee, deposit, and guarantee figures are provisional estimates and may change when rules are final.

Your scenario

City

Region

Basque Country and Navarre are not on this picker.

Where are you flying from?

Sets the one-way flight assumption in cash before arrival. Not a live airfare quote.

Residence document fee (optional)

Pick the one official fee that applies to you, if any. None are included in the cash total unless you select them here.

Gross annual salary (euro)

Example scenario, not your salary.

€30k · €65k typical mid · €120k+

Income typeSpanish employment contractEmployee social security, then state and regional income tax on the annual scales. Monthly withholding can differ.Foreign or remote pay (no Spanish payroll)Enter the annual net pay you expect to receive (after tax). If you are paid remotely by a foreign employer, we do not calculate your tax for you—enter your own estimate and read the warning below.

Starting savings (optional)

Leave blank or 0 if you only want a monthly verdict.

The calculation runs in your browser. Your salary, savings, and city stay on your device. If you allow analytics cookies, we receive the country and the result band, including when a salary is outside the range we can score. If you later sign in in this browser, those events can be linked to your account. We still configure error reports to leave your figures out. A shared link contains only what you choose to put in it.

About these estimates

Assumed profile: Single tax filer, employee, no dependants; regional calculations for Madrid, Catalonia and Valencia.

These are ordinary employee scenarios, not self-employed or special expatriate regimes.

Not modelled: Regional deductions, dependants, special regimes, withholding vs annual liability.

How we estimate

These are 2026 rates. The model is annual tax from the state scale plus the regional scale. Monthly withholding can differ. Basque Country and Navarre are not on the picker. Rent is a Relocora estimate from published euros per square metre times 45 square metres, not an official figure, and the source can understate a one-bed. The example salary is the 2024 gross median for the region you pick, with a national figure as fallback. Valencia's 2027 scale is already enacted and is not used here. Social security figures are provisional until the budget. The tenant agency fee is 0 and that row is provisional until 14 November 2026. Madrid and Valencia transport discounts end on 31 December 2026. Heating is not included in the monthly household lines. Private health cover uses a labelled estimate (default €70/month). Some household costs are not yet sourced and stay hidden.

We review the figures about every quarter.

Review calendar

Nov 14, 2026: Tenant agency fee rules
Dec 31, 2026: Madrid and Valencia discounted public transport fares expire

The special regime for people who become tax resident in Spain is named only. Rates are not modelled. Basque Country and Navarre are not on the region picker.

LIRPF article 93

Visa and residence timing are not modelled in the cash total.

Spanish immigration information

Source taxonomy:Official dataRelocora estimate

Napkin math for planning only. Not tax, immigration, or financial advice. Figures are estimates with labelled sources.