Tax Guide for Expats in Spain — Everything You Need to Know

Spain's tax system is complex but manageable. This guide covers IRPF rates, the Beckham Law, autónomo registration, and the key forms every expat needs to know.

183 daysTax residency threshold
24%Beckham Law rate
47%Top IRPF rate
June 30Annual tax deadline

Are You a Tax Resident in Spain?

The 183-Day Rule

You become a Spanish tax resident if you spend more than 183 days in Spain in a calendar year. Once resident, you must declare your worldwide income (from all countries) on the Spanish IRPF return. Days of absence are counted differently if Spain is your "center of vital interests."

Center of Economic Interest

Even if you spend fewer than 183 days in Spain, you can be deemed tax resident if your main economic activities or family (spouse, dependent children) are based here. This is a common trap for business owners who travel frequently.

The Beckham Law — Special Tax Regime

Who Qualifies?

The Beckham Law (Régimen Especial para Trabajadores Desplazados) is available to people who become Spanish tax residents for the first time, or who haven't been resident in the previous 5 years. Digital Nomad Visa holders are explicitly included. You have 6 months from your first tax registration to opt in via Modelo 149.

24% Flat Rate vs. Standard IRPF

Under Beckham, you pay a flat 24% on income up to €600,000 (vs. standard IRPF going up to 47%). For most expat income levels, this represents a substantial saving — especially compared to the standard rate that kicks in above €35,200 (currently 37%).

How to Apply (Modelo 149/151)

Submit Modelo 149 to opt in within 6 months of registering as a tax resident. Annual tax returns use Modelo 151 (not the standard Modelo 100). The regime lasts 5 years (extendable to 6 under the 2022 Startup Law reform).

IRPF — Spanish Income Tax Explained

Tax Brackets for 2026

Income bracketCombined state + regional rate
€0 – €12,45019%
€12,451 – €20,20024%
€20,201 – €35,20030%
€35,201 – €60,00037%
€60,001 – €300,00045%
Over €300,00047%

Deductions & Allowances

Key deductions: personal allowance (€5,550 for most taxpayers), additional allowances for over-65s, disability, and dependent family members. Pension contributions up to €1,500/year are deductible. Mortgage interest on your primary residence is no longer deductible (abolished in 2013).

Registering as Autónomo (Self-Employed)

Seguridad Social Contributions

Autónomos (self-employed) pay monthly Social Security contributions. As of 2026, the contribution base is linked to actual net income — the reformed "cuota real" system. Contributions range from approximately €230/month (lowest income bracket) to €590/month (highest).

Tarifa Plana Discount

New autónomos pay a reduced Tarifa Plana of €80/month for the first 12 months (extendable to 24 months in some cases). This significantly reduces the cost of getting started as a freelancer in Spain.

Quarterly VAT & Tax Filings

Autónomos must file quarterly: Modelo 303 (VAT/IVA), Modelo 130 (income tax advance payments). Annual filings: Modelo 390 (annual VAT summary), Modelo 100 (annual IRPF). Missing deadlines incurs surcharges of 5–20%.

Key Tax Forms for Expats

Modelo 030 — Tax Registration

File Modelo 030 to register with AEAT (Spanish Tax Agency) and obtain your tax identification number (NIF, which uses your NIE). Required before any tax filing.

Modelo 210 — Non-Resident Income Tax

If you own Spanish property but are non-resident, file Modelo 210 annually to declare imputed rental income (even if the property is not rented).

Modelo 720 — Foreign Asset Declaration

Tax residents with assets abroad exceeding €50,000 (per category: bank accounts, investments, real estate) must file Modelo 720 by March 31 each year. This is often called the most punishing form in the Spanish tax system — penalties for non-compliance were reformed following EU court rulings but remain significant.

US Expats: FBAR & Double Taxation

US citizens are taxed on worldwide income regardless of where they live. In Spain, you must file both a US return (with potential FBAR and FATCA obligations) and a Spanish return. The US-Spain Double Taxation Treaty prevents being taxed twice on the same income, but filing is mandatory on both sides. See our US expat guide for more.

Frequently Asked Questions

Do I pay tax on my US pension in Spain?
US government pensions (military, civil service) are taxable only in the US under the treaty. Private pensions and Social Security are generally taxable in Spain once you're resident, though foreign tax credits often offset US taxes already paid.
What is Modelo 720?
An annual declaration of overseas assets (bank accounts, investments, property) exceeding €50,000 per category. Filed by March 31 each year. Failure to file can result in substantial penalties.
Can I be autónomo and employed at the same time?
Yes. You can hold a Spanish employment contract and register as autónomo simultaneously. You'll pay Social Security on both, but there are caps and the pluriactividad rules may offer reduced contributions.

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