Personal Income Tax

A tax gift after the summer holidays: can your mortgage life insurance reduce your rental tax in Spain?

Back from the summer holidays and looking for some good news? Here is a little tax gift for landlords in Spain. Imagine you own a property which you rent out. You have a mortgage on the property and, as part of the mortgage conditions, you have taken out a life insurance policy which gives you … Read more

Donate to Make an Impact and Reduce Your Tax Bill in Spain

Would you like to reduce your tax liability while supporting organisations that create a positive social impact? In Spain, donations made to eligible non-profit organisations can offer significant tax advantages. Individuals and companies that support entities covered by the special tax regime of Law 49/2002 may recover a substantial part of their contribution through tax … Read more

Social Security regularisation for self-employed workers: why paying more can reduce your Income Tax bill

Under Spain’s new system of contributions based on real income, many self-employed workers are now receiving notifications from the Social Security authorities confirming a regularisation of their contributions. In some cases, this means an additional payment must be made. In others, a refund may be issued. While most attention is usually placed on the cash … Read more

Spain Extends Tax Deductions for Electric Vehicle Purchases and Charging Point Installations — Here’s What You Need to Know

In a move to continue supporting the transition to sustainable mobility, the Spanish government has officially confirmed the extension of tax deductions for electric vehicle (EV) purchases and the installation of charging points through 2026. The decision was announced as part of a new Royal Decree, ensuring that these tax benefits remain in place for … Read more

Bizum Is No Longer Invisible to Tax Authorities: What 2026 Means for Self-Employed and Businesses in Spain.

What’s Changing? Until recently, banks and payment platforms only reported large electronic payments to the tax authorities — for example, over 3.000€ or 10.000€ in a year. That threshold disappears in 2026. Because of the Royal Decree 253/2025, all Bizum payments received for commercial activity will be compiled and sent to the Tax Office monthly, … Read more

Andalucía Rolls Out Bold Tax Reforms — Here is Who Will Benefit

In September 2025, the Andalusian regional government announced a sweeping reform of its income-tax deductions (IRPF) that removes income limits for several previously restricted measures. Although the reform has been broadly welcomed, many observers have criticized the administration for introducing it so late in the fiscal cycle, arguing that the delay has created uncertainty and … Read more

Tax Freedom Days Slipped Further into Summer

On 18th August 2025, the average Spanish taxpayer finally celebrated their “Tax Freedom Day” — the symbolic date when they stopped working for the State and began working for themselves. In Andalucia, that day arrived even later, on 19th August. According to the latest report by Fundación Civismo, this milestone arrived 16 days later than … Read more

Income Tax 2024 Season: When payments run fast and refunds lag behind

On June 30, 2025, the Spanish Tax Agency (Agencia Tributaria) officially executed the first installment collection of the Impuesto sobre la Renta de las Personas Físicas (IRPF) for the 2024 fiscal year. As every year, the date marked a moment of reckoning: for some, a withdrawal; for others, a windfall. Taxpayers who opted for the … Read more

Digital nomads and the Beckham regime – Spain’s new tax duo

Spain has long been a magnet for globally mobile professionals. With the launch of its Digital Nomad Visa (DNV) and the expansion of the so-called Beckham tax regime, the country now offers not just lifestyle, but a highly competitive fiscal proposition — at least for those who understand the rules. At first glance, the combination … Read more