Your home's numbers, finally clear.
Payment, taxes by region and rental profitability. No sign-ups, no fine print: enter four figures and see the whole picture instantly.
Financial Calculators
Professional tools built to help you evaluate mortgage and rental scenarios with confidence.
Calculate your monthly payment, interest and amortization schedule for your mortgage.
Analyze the profitability of your real estate investment. Calculate ROI, cash flow and other key metrics.
Mortgage offers from Spanish banks side by side: TIN, APR, bundled products and fees.
Calculate the ITP transfer tax on a resale home with your region's reductions: young buyers, large families, disability and more.
Find out the maximum mortgage a bank would grant you with your income, using the 35% debt-to-income rule.
The real cost of buying: ITP or VAT, notary, registry, agency and appraisal, broken down by region.
What you'll pay when selling: compare the objective and real methods after the 2021 reform and keep the cheaper one.
How much ITP will you pay? Pick your region
The ITP transfer tax is the biggest cost when buying a resale home in Spain and changes completely depending on where you buy: from an effective 3 % to 13 % in the top brackets. Check the 2026 rates and reliefs, verified against official sources.
Buying in Spain as a foreigner?
The rules change when you don't live here: banks lend 60-70% instead of 80%, you need an NIE before anything else, and the taxes depend on the region. We've written the guides that answer exactly those questions.
Your numbers are good. A broker makes them better.
Compare your simulation with real bank offers. Free, no strings attached, reply within 24 hours.
Your Trusted Mortgage Calculator for Spain
Hipotecalc is your free tool for calculating mortgages in Spain. Our mortgage calculator lets you simulate your monthly mortgage payment, compare fixed vs variable mortgages, and calculate property purchase taxes by autonomous community.
Calculate the ITP (Property Transfer Tax) with applicable regional discounts, track the historical evolution of Euribor rates, and analyze rental investment profitability with professional metrics like ROI, cash flow, and payback period.
All our tools are 100% free, require no registration, and are specifically designed for the Spanish real estate market with up-to-date data.