Spanish Wealth Tax & Large Fortunes Calculator 2026

Use this calculator on your site

This calculator is free and embeddable. Copy the code and paste it on any page of your site. Works in blogs, forums, intranets and templates — no dependencies.

<iframe
  src="https://bm.consulting/embed/wealth-tax-calculator/"
  width="100%"
  height="680"
  style="border:0; max-width: 720px; margin: 0 auto; display: block;"
  loading="lazy"
  title="Spain Wealth Tax + ISGF Calculator — BMC"
></iframe>
<p style="text-align:center; font-size:0.875rem; color:#555;">
  <a href="https://bm.consulting/embed/wealth-tax-calculator/" target="_blank" rel="noopener">Spain Wealth Tax + ISGF Calculator</a>
  by <a href="https://bm.consulting" target="_blank" rel="noopener">BMC</a>
</p>

We keep the calculations updated with every regulatory change. The embed updates automatically — no need to touch anything on your site.

Methodology and sources

This calculator applies the Spanish federal Wealth Tax (IP) and Solidarity Tax on Large Fortunes (ISGF) rules in force for 2026, with the current autonomous-region rates and rebates. The methodology mirrors what we apply in our private-wealth mandates — the result is an estimate; the final tax liability may vary for specific circumstances not modelled in a public calculator.

Assumptions applied by this calculator

Taxable base and main-home exemption

The net worth at 31 December equals total assets and rights minus deductible debts. The main home is exempt up to €300,000. The calculator asks for total net worth and identifies main-home value separately so the exemption is applied correctly.

Personal allowance (mínimo exento)

The federal personal allowance is €700,000 unless the autonomous region has modified it. If the taxable base does not exceed the allowance, the tax is zero. The calculator automatically applies the regional allowance for the region you select.

Federal vs autonomous tariff

In the absence of a regional tariff, the federal scale (0.2%–3.5%, eight brackets) applies. Madrid and Andalucía apply a 100% rebate on the IP — for those regions the IP is zero, but the federal ISGF may still apply. Cataluña, Galicia, Asturias, Cantabria, Aragón and Extremadura have set their own tariffs.

Solidarity Tax on Large Fortunes (ISGF)

For net worth above €3 million, the federal ISGF is computed (1.7%–3.5% scale). The ISGF acts as a minimum floor: the autonomous IP tax already paid is deducted, avoiding double taxation. The calculator shows the final amount payable — whichever is higher between the autonomous IP and the net ISGF.

What is NOT modelled

The calculator does not cover: family-business shareholdings with full exemption (Article 4.Eight of the IP Law), exempt entity holdings, non-resident proration rules, or dynamic planning via holding structures. For those, a consultation with a specialist gives a more accurate estimate.

Official sources

• Law 19/1991 of 6 June, Wealth Tax (consolidated text)
• Law 38/2022, ISGF — Solidarity Tax on Large Fortunes
• AEAT — Wealth Tax (e-office)
• AEAT — Form 714 (IP filing)
• AEAT — Form 718 (ISGF filing)

This calculator provides an estimate for informational purposes. It does not replace professional advice. Results may vary based on personal circumstances and regulatory changes. Consult an advisor for personalized planning.