Compound Interest Calculator — Spain

Project your wealth after Spain's tiered capital gains tax (19-30%). Free compound interest calculator for Spanish investors.

Consideraciones fiscales para inversores españoles

Tiered Rates

Capital gains are taxed progressively: 19% (first €6,000), 21% (€6,000-50,000), 23% (€50,000-200,000), 27% (€200,000-300,000), 30% (above, increased from 28% in 2025).

This Calculator

Uses an average rate of 23% for simplicity. Your actual rate depends on the size of your gains. FTT of 0.2% applies to large Spanish stocks.

Dividends

Taxed at the same progressive rates as capital gains.

Disclaimer: This is a simplified calculation. Actual taxes depend on your personal situation, annual exemptions, and when gains are realized. Consult a tax advisor for accurate advice.

Frequently Asked Questions

What return rate should I use?

Historical global stock market returns average 7-10% per year. Use 7% for a conservative estimate that accounts for inflation.

Does this calculator account for inflation?

No, results are shown in nominal terms. Subtract 2-3% from your return rate for a rough inflation-adjusted estimate.

How accurate is this calculation?

This is a simplified estimate. Actual taxes depend on your personal situation, holding period, and local regulations. Consult a tax advisor for precise numbers.

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