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Expert Advice on Buying, Selling & Spanish Laws

Property cost, tax & ROI calculator

Work out the real cost, taxes and after-tax return of buying, owning, renting out, selling, financing and co-owning property on the Costa del Sol & Mallorca. Instant and free to use.

Every Spanish tax in one place — ITP, IBI, non-resident tax, capital gains & the dual-method plusvalía — plus your home-country tax and full before- and after-tax ROI, whether you're a buyer, owner, seller or Mojo Sharing co-owner.

4 buyer journeys 7 calculators 20+ Spanish taxes & costs 17 municipalities ✓ before- & after-tax ROI
1Where are you in your journey?
Region
2Your buying journey

What it costs to buy property in Spain — taxes & fees on top of the price

Adds ~0,5% for valuation, deed & bank costs.

Operational costs — the annual cost of owning a Spanish property (IBI, community fees & non-resident tax)

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Holiday-rental income & after-tax return on the Costa del Sol — with Mojo Rentals

Mojo Rentals can estimate this for your property.
Lifts revenue by ~13% versus a flat nightly rate.

What you keep when you sell property in Spain — Capital Gains Tax & Plusvalía

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Sell now — or hold longer?Hold 0 years · growth 4 %/yr

Spanish mortgage for non-residents — monthly payment, down payment & interest

Non-residents typically borrow up to 70%. Slide to 0% for a cash purchase.
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The loan must be fully repaid by age 75.

Mojo Sharing co-ownership — own a Costa del Sol villa for an eighth

Your 6 owned weeks — summer + non-summer + let weeks always total 6.
If you'd rather not sell privately, Mojo markets & sells your share — the fee shows below and is NOT counted in the projected gain above.

Your full picture — total cost, annual cashflow & after-tax return

Want these figures by email? We'll send your full estimate.

Rates verified June 2026

Estimates only — not tax, investment or credit advice. Standard rates for the Costa del Sol & Mallorca are shown; reliefs and the real-gain plusvalía method (when lower) are applied where noted; rental, ROI and co-ownership figures are illustrative and appreciation is not guaranteed. Danish tax rules are shown in euro, converted internally at 7,46 DKK/EUR. For binding figures, talk to Mojo's Legal & Finance Departments. Developed by Per Moensted, CEO. Mojo Estates — part of House of Mojo · busy-goldstine.212-227-153-4.plesk.page