🇪🇸Spain
ITP, Plusvalía, IRNR, residency LTV limits — the full Spanish buying and investing picture.
Spain's property market combines EU-standard mortgage rules with its own regional taxes, non-resident obligations, and strict LTV limits for foreign buyers. These tools cover the full Spanish acquisition and property investment picture.
All premium calculators are inside Stresst
Free to download. Premium features unlocked inside the app — no browser input fields, no waiting for a webpage to load.
What's included
6 calculators. Run them in the app.
Affordability
PremiumSpanish lender affordability check at the standard 30–35% debt-to-income ratio used by most Spanish banks — so you know your maximum mortgage before approaching a lender.
LTV by Residency
PremiumLTV limits for tax residents versus non-residents. Spain applies materially stricter loan-to-value caps for foreign buyers — this shows your maximum loan under each profile.
Plusvalía Municipal
PremiumMunicipal capital gain tax on the increase in land value, payable on any sale regardless of whether you made an overall profit or loss on the property.
Non-Resident Rental Tax (IRNR)
PremiumTax on rental income for non-resident landlords — rate, deductible expenses (with EU versus non-EU rules applied), and net tax liability.
Capital Gains Tax
PremiumSpanish CGT calculation including reinvestment exemptions for primary residence and the rates applied to non-resident sellers.
Rental ROI
PremiumNet rental return after all Spanish costs — IBI property tax, community fees, non-resident income tax, insurance, and management — showing your true yield.
🇪🇸All of this, in one app.
Free to download. Premium tools unlock seamlessly inside Stresst — no subscriptions to juggle, no separate apps to install.