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What will I receive from my sale?
Estimate your net proceeds at signing and your financial result after tax.Nappo simulator
What will I receive from my sale?
NET PROCEEDS AT SIGNING
Cash received at signing after debts, costs and any withholding on account. Before settling the tax on the gain.
TAX CALCULATION
NET PROCEEDS AT SIGNING
- Sale price
- €0
- Outstanding mortgage
- €0
- Mortgage discharge registration costs
- €0
- Estate agency fees
- €0
- Municipal capital gains tax
- €0
- Other deductible selling costs
- €0
- Other non-deductible costs
- €0
- NET AMOUNT AT SIGNING
- €0
Cash received at signing after debts, costs and any withholding on account. Before settling the tax on the gain.
TAX CALCULATION
- Sale price
- €0
- Tax-deductible selling costs
- €0
- Purchase price
- €0
- Purchase taxes and costs
- €0
- Other deductible acquisition costs or improvements
- €0
- NET TAXABLE GAIN BEFORE TAXThis is your capital gain for tax purposes, on which the tax payable will be calculated.
- €0
- TAX PAYABLE
- €0
Tax explanations
SELLER TAX-RESIDENT IN SPAIN
2026 savings tax bands: up to €6,000, 19%; €6,000 to €50,000, 21%; €50,000 to €200,000, 23%; €200,000 to €300,000, 27%; above €300,000, 30%. Each rate applies only to its band, not to the entire gain. This estimate considers this sale in isolation and each owner’s share.
NON-RESIDENT SELLER
Gains from property in Spain: general rate of 19%, without a permanent establishment. The buyer withholds 3% of the sale price attributable to the non-resident seller and pays it to the tax authority using form 211. This advance payment reduces the cash received at signing and is credited against the final tax. Any excess over the tax due may be claimed back.
CALCULATION BASIS
Deductible selling costs include agency fees, municipal capital gains tax, tax-eligible mortgage discharge registration costs and other documented deductible costs. Outstanding mortgage principal and non-deductible costs do not reduce the taxable gain. The purchase price, acquisition taxes and costs, and deductible improvements are subtracted once only. Do not enter the same cost in several fields.
OWNERS
Owner 1 · 100 % · Resident savings tax bands: €0
Indicative estimate, not tax advice. It does not automatically apply exemptions for a main residence, sellers over 65 or reinvestment, transitional relief, loss offsets or other savings income. Depreciation of rented properties, acquisition and improvement dates and personal circumstances may change the result. Companies: a 25% estimate, subject to their specific regime. Check the deductibility and supporting documents for each cost with an adviser before completing the sale.
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