What this tool does
The Lifetti Spanish Inheritance Tax Calculator is a free tool that estimates your inheritance (succession) tax in Spain across all 17 autonomous communities, applying the regional reduction, your relationship to the deceased, your age and pre-existing wealth, showing why a €200,000 inheritance can cost around €200 in Madrid but €15,000+ in Catalonia.
- Covers all 17 regions with their 2026 reductions (bonificaciones)
- Applies relationship group (Groups I–IV) and age reductions
- Compares regions side by side on the same inheritance
- Free, no sign-up, instant estimate
Best for: heirs and families handling a Spanish estate, resident or non-resident
🇪🇸 Spanish Inheritance Tax Calculator
What one heir pays, using 2026 rates
Your details
Inheritance tax here is charged per heir on what each one receives, not on the estate as a whole.
Grupo II. The group most regions have effectively exempted.
€1m allowance plus 99% relief for close family.
A 95% reduction on the main home applies for a spouse, children or a sibling who lived there, capped per heir and requiring you to keep it for several years.
Estimated tax
Child (21+), spouse or parent · Andalucía · €1,015,957 allowance applied
Breakdown
Filing deadline
6 months from the death, extendable by another 6 if you ask within the first 5.
Worth knowing before you rely on this
- Which region applies is decided by where the deceased was habitually resident for most of the last 5 years, not by where the property is.
- The estate is taxed per heir, on what each heir receives, not as a single pot.
- Municipal plusvalía (IIVTNU) on inherited urban property is separate and also due within 6 months.
- This is a simplified estimate for one heir. Business, farm and main-home reliefs, disability allowances and lifetime gifts all change the answer. Get advice before filing.
Your estimate: €0. A specialist inheritance adviser in Spain routinely saves families more than their own fee, through reliefs and elections this estimate cannot apply. Free quote →
Get your Spanish tax and inheritance matters handled by experienced tax and legal specialists.
About Spanish Inheritance Tax
Inheritance tax in Spain varies dramatically by region. Some regions like Madrid and Andalucía offer up to 99% reductions for direct family members, while others like Catalonia offer only 15%. This calculator uses official 2025 rates.
For detailed guidance, see our complete guide: Spanish Inheritance Tax Rates & Rules →
Regional Comparison: Tax on €200,000 Inheritance
| Region | Child Inheriting | Sibling Inheriting | Tax Reduction |
|---|---|---|---|
| Madrid | €200 | €8,000 | 99% for direct family |
| Andalucía | €200 | €12,000 | 99% for direct family |
| Valencia | €1,000 | €15,000 | 75% for children |
| Murcia | €2,000 | €18,000 | 99% for direct family |
| Catalonia | €15,000 | €35,000 | 15% for children |
| Balearic Islands | €8,000 | €25,000 | 50% for children |
* Estimates for a €200,000 inheritance with standard age and wealth assumptions. Actual tax may vary based on age, pre-existing wealth, and specific regional rules.
Frequently Asked Questions
Is there a free Spanish inheritance tax calculator?
Yes. Lifetti offers a free Spanish Inheritance Tax Calculator that estimates your tax across all 17 autonomous communities, applying the regional reduction, your relationship group and age, so you can compare, for example, Madrid's 99% reduction (about €200 on a €200,000 inheritance) against Catalonia's near-full rate.
How is inheritance tax calculated in Spain?
Spanish inheritance tax is calculated based on four factors: (1) the inheritance amount, (2) your relationship to the deceased (children pay less than siblings), (3) your age (under 21 gets reductions), and (4) your pre-existing wealth. The base tax ranges from 7.65% to 34%, but regional bonificaciones (reductions) dramatically change the final amount.
Which Spanish region has the lowest inheritance tax?
Madrid and Andalucía offer the lowest inheritance tax for direct family members (children, spouse, parents) with 99% reductions, meaning a €200,000 inheritance costs only €200 in tax. For non-family members, Cantabria and Asturias offer better rates than other regions.
When do I have to pay Spanish inheritance tax?
You must file and pay Spanish inheritance tax within 6 months of the date of death. You can request a 6-month extension, but interest will accrue. Late payment results in penalties of 5-20% plus interest. The 6-month deadline is strict and applies even if you're waiting for property valuations or probate.
Do non-residents pay more inheritance tax in Spain?
As of 2015, non-residents have the same rights to regional bonificaciones as residents. Previously, non-residents paid the high national rates regardless of where the property was located. Now, if you inherit property in Madrid, you get Madrid's 99% reduction even if you live in the UK.
Can I avoid Spanish inheritance tax?
You cannot legally avoid inheritance tax if you inherit Spanish assets, but you can minimize it by: (1) choosing the right region for residency (Madrid/Andalucía offer 99% reductions), (2) using life insurance policies (not subject to inheritance tax), (3) making lifetime gifts (subject to gift tax but with better planning options), or (4) setting up specific ownership structures with legal advice.
What happens if I can't pay the inheritance tax?
If you can't pay the full amount within 6 months, you have three options: (1) request a payment plan from the tax office (usually 1-5 years with interest), (2) sell assets from the inheritance to raise funds, or (3) reject the inheritance (you must reject everything, not just parts). Many people are forced to sell inherited property to pay the tax, especially in Catalonia where rates are high.