Calculator for sellers

How much do you keep when you sell?

The sale price isn't what lands in your account. In a minute, estimate the fee, taxes and mortgage that come off it, and what you keep net.

Sale price (€)What it cost you (purchase price + purchase costs) (€)Renovations that increased its value (€)Outstanding mortgage (€)Mortgage early-repayment fee (%)CityShare of the value that is land (%)For city flats it is usually between 20% and 40%; it appears on the IBI (property tax) bill as the cadastral land value.

It is my main residenceI will reinvest everything in another main residenceI am 65 or older

What you keep

Sale price: €450,000
La Llave fee (3.6%, only if you sell): − €16,200
Municipal capital gains tax (estimated): − €13,500
Income tax on the gain (estimated): − €26,549
Paying off the mortgage: − €0
Net to you: €393,751

Capital gain for income tax purposes: €120,300

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Indicative estimate under general Spanish rules (2026 savings-income tax scale and municipal capital gains tax using the actual-gain method; you can choose the objective method if it comes out lower). It does not include other income, regional deductions or partial reinvestment. For your specific case, consult a tax adviser.