Spain DNV Tax Estimator
Compare the Beckham Law (24% flat on Spanish-source income up to €600k) against standard IRPF and the Autónomo regime, including 2026 social-security tiers.
Estimated Spanish taxes - Beckham Law (special expat regime)
Income tax
€14,400
Social security
€3,810
Net income (Spain)
€41,790
vs. Home country (€45,000 net):
You'd take home €3,210 less per year in Spain.
Calculation worksheet, 2026 figures, for self-assessment only. Beckham Law is for employees only, autónomos must use IRPF and apply within 6 months of becoming Spanish tax resident. Modelo 720 declaration is required for overseas assets exceeding €50,000. Always verify these numbers with a Spanish-licensed tax professional before relying on them.
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One-time purchase, lifetime access. Includes the Tax Estimator plus three other decision-grade calculators.
- Income Calculator, DNV threshold check for solo + family
- City Comparison, net income after rent in 6 cities
- Emergency Fund, runway calculator for the first 6 months
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Beckham Law in plain English
The Régimen Especial para Trabajadores Desplazados (commonly: Beckham Law) lets eligible new tax residents pay a flat 24% on Spanish-source income up to €600,000/year, and 0% on most non-Spanish-source income, for up to 6 fiscal years.
- ✓Eligible: employees on a Spanish payroll (including DNV holders working as employees of a foreign company that registers in Spain).
- ✗Not eligible: autónomos / freelancers, AEAT consistently rejects these applications.
- ⏱Application window: within 6 months of becoming Spanish tax resident, miss it and you're locked into IRPF.
Autónomo (self-employed) reality
Most freelance DNV applicants register as autónomo. Year 1 enjoys the tarifa plana (~€87/month social security), then graduated tiers based on net earnings. Combined with progressive IRPF, effective tax can reach 30–40%, but full deductions (laptop, internet, coworking, training) typically reclaim 5–10 points.
Modelo 720, don't forget
Spanish tax residents must declare overseas assets above €50,000 via Modelo 720 (bank accounts, securities, real estate). Penalties are severe; flag this with your gestor in your first year.
Want a sanity check?
These rates change every year. Our DNV Insider membership publishes a monthly briefing covering rate changes, AEAT enforcement updates, and regional tax differences (Madrid vs Catalonia matters more than most realise).
Estimates only. Always verify with a Spanish-licensed tax professional before relying on these numbers.
Related tools & guides
- DNV Income Calculator — confirm you meet the €2,849/mo threshold.
- City Comparison — Madrid vs Catalonia tax differences.
- DNV Complete Guide — full Beckham + autónomo playbook.