Tools

Net proceeds when selling your property. Statutory IRPF + specified municipal tax.

Capital gains are taxed under the savings base of IRPF (state scale of 19%, 21%, 23%, 27% and 30% from 2025, Law 7/2024). Municipal capital gains tax (IIVTNU) is set by each town hall: enter the figure here or estimate it using your local official calculator.

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Sale

How much will you net from the sale?

Personal income tax (IRPF) based on savings tax bands (Law 7/2024: top band 30%). Municipal capital gains tax (plusvalía), mortgage balance, and fees are entered by you.

Estimated net proceeds

176.545 €

Estimated capital gain: 92.500 €

IRPF (savings tax base)
20.155 €
Municipal plusvalía
2500 €
Mortgage redemption
120.000 €
Agency fees (0%)
0 €
Total deductions
143.455 €

IRPF calculated according to statutory savings scale (Law 7/2024). Municipal tax, outstanding mortgage and fees are user-specified. Not an official tax statement or tax advice.

Official sources

Frequently asked questions

What are the IRPF tax brackets when selling?
Savings base (standard territory): up to €6,000 at 19%; up to €50,000 at 21%; up to €200,000 at 23%; up to €300,000 at 27%; excess at 30% (Law 7/2024, effective from 1 Jan 2025).
Does municipal plusvalía reduce IRPF?
Municipal capital gains tax actually paid is directly associated with the sale and reduces the transfer value (Art. 35 LIRPF). This tool deducts it prior to calculating the capital gain, if provided.
How do I calculate municipal plusvalía in Madrid?
Madrid Town Hall publishes an official estimator for municipal plusvalía tax (IIVTNU). The results on this page do not replace an official tax settlement.

Would you like to know the market value before deciding?

We value your property without obligation and explain your net outcome based on local market data.