Spanish Inheritance Tax Calculator
Estimate your inheritance tax by region
Your Details
Affects multiplier if over €500k
Estimated Tax
Tax Breakdown
Important Notice
This is a simplified estimate. Actual tax depends on many factors including family home exemptions, disabilities, and specific regional rules. Always consult a qualified tax advisor.
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
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.