How much do you actually keep when you sell your home?
The sale price is not what you take home. Between the municipal capital-gains tax, income tax, the outstanding mortgage and agency fees, the difference can run to tens of thousands of euros. This calculator shows you the net — and where every number comes from.
Both values appear on your IBI (property tax) receipt. Without the land value it cannot be computed; with both, we compare the two legal methods and use the cheaper one.
Enter the sale price and what you paid when buying: the full breakdown appears here instantly.
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Where these numbers come from
- Municipal tax: the state maximum coefficients in force in 2026 (Congress rejected January's update, so the 2024 table applies) and the 29% rate from Málaga's ordinance. Your town hall may apply lower coefficients or rates. We compute both legal methods — objective and real — and use the lower one: choosing the cheaper method is your right.
- Income tax: the 2026 savings-base brackets, 19% to 30%, applied progressively. It is orientation: purchase and sale costs and taxes adjust the gain in your favour, and further exemptions exist.
- Fixed costs: usual market ranges for the energy certificate (€60–150) and a mortgage registry cancellation (€400–1,100). Notary: by law the original deed falls to the seller unless agreed otherwise, though in practice buyers often take it on.
- Agency fees: there is no official tariff. You set the percentage and 21% VAT is added; always weigh it against what each agent offers in return.
This is general orientation, not tax advice. Before signing, confirm the figures with your town hall and a professional — every case has nuances.
The net also depends on who you choose.
An unjustified fee or a badly set asking price costs more than all these taxes combined. That is what the proposal comparison is for.
See how it works