SOBE KNOWLEDGE
Costa del Sol Property Calculators
Eight free tools for buying, financing, structuring, holding and selling property in Spain. Calculate purchase taxes, compare Spanish SL structures, test investment returns and estimate resident or non-resident property taxation — with a free PDF report for every scenario.
BUYING, FINANCING & STRUCTURE
Build the purchase correctly
Start with acquisition costs, test the mortgage, then compare personal ownership with a new or existing Spanish company when an SL purchase is under consideration.
ACQUISITION COSTS
Purchase Tax Calculator
Calculate the taxes and related acquisition costs of buying a resale or new-build property in Andalusia, together with the total cash required.
ITP for resale · IVA + AJD for new build · lawyer, notary, registry and related acquisition costs · total cash required · free PDF report
Open calculator →FINANCING
Mortgage Calculator
Estimate the monthly mortgage commitment, interest cost, loan-to-value and the cash needed to complete a property purchase in Spain.
Monthly payment · total interest · loan-to-value · initial cash required · affordability · free PDF report
Open calculator →NEW · COMPANY STRUCTURE
Spanish SL Property Purchase Calculator
Compare creating a new Spanish SL with using an existing company to buy property in Spain. Model purchase taxes, company costs, financing, annual taxation and cash required.
The appropriate structure depends on the property use, financing, shareholders, company history and how profits will be retained or extracted.
New vs existing SL · purchase taxes · company costs · corporate tax · financing · hold and exit · free PDF report
Open calculator →INVESTMENT RETURNS
Test the investment strategy
Use the return model that fits the plan: long-term hold and exit, rental income, or a renovation-led resale.
HOLD & EXIT
Property ROI Calculator
Rental cash, mortgage amortisation and the property value change you assume — measured against the equity you actually invest.
Total ROI · annualised return · estimated IRR · equity multiple · rental cash · mortgage amortisation · free PDF report
Open calculator →RENTAL INCOME
Buy-to-Let Yield Calculator
Measure the gap between headline rent and the return left after vacancy, operating expenses and financing.
Gross yield · net yield · operating expenses · monthly cash flow · cash-on-cash return · free PDF report
Open calculator →BUY · RENOVATE · SELL
Flip Calculator
Model the complete project cost and the estimated result of buying, renovating, holding and selling a property.
Acquisition costs · renovation and holding costs · sale costs · estimated profit · return on invested capital · free PDF report
Open calculator →PROPERTY TAX
Estimate the relevant Spanish tax treatment
Choose the calculator that matches the owner’s Spanish tax-residency status and model rental income, imputed income or a future sale.
SPANISH TAX RESIDENTS
Spain Resident Property Tax Calculator
Estimate property-related IRPF for a Spanish tax resident, including rental use, imputed income and a potential sale.
Rental income IRPF · residential rental reductions · tax depreciation · imputed real estate income · resident capital gains tax · habitual-residence relief scenarios · free PDF report
Open calculator →NON-RESIDENT OWNERS
Spain Non-Resident Property Tax Calculator
Estimate Spanish tax on rental income and a property sale for an owner who is not Spanish tax resident.
Rental income tax · qualifying deductions for eligible EU/EEA owners · capital gains tax · 3% non-resident sale withholding · estimated refund or additional tax · net cash after sale · free PDF report
Open calculator →One question per calculator
Each calculator answers one decision clearly — what the purchase costs, how it may be financed or structured, and what the property may return.
The eight tools cover the main numerical questions that arise before, during and after a Spanish property purchase:
- Purchase taxes and acquisition costs
- Mortgage financing
- Spanish SL purchase structures
- Rental yield
- Hold-and-exit return
- Property flipping
- Resident property taxation
- Non-resident property taxation
Inputs remain visible and the assumptions are editable. Any expected growth is the user’s assumption, not SOBE’s projection. Reports are generated in the browser, and the calculations do not replace financial, tax, accounting or legal advice.
A suggested order
Start with the cost and structure of the purchase; finish with the return and tax treatment that fit the strategy.
- Start with the Purchase Tax Calculator.
- Use the Mortgage Calculator if financing is required.
- Compare personal ownership with a new or existing Spanish SL when a company purchase is being considered.
- Use Rental Yield, Property ROI or Flip according to the investment strategy.
- Finish with the Resident or Non-Resident Property Tax Calculator.
Numbers are a starting point, not a decision. A specific property, buyer profile and ownership structure should be reviewed together before a commitment is made.
Frequently asked questions
Are the SOBE property calculators free to use?
Yes. All eight calculators are free to use in your browser, with no registration or charge.
Which property calculator should I start with?
Start with the Purchase Tax Calculator to estimate acquisition taxes and costs. Add the Mortgage Calculator if financing is required, compare the Spanish SL structure when a company purchase is being considered, then use the return and property-tax calculator that matches the strategy and tax-residency status.
Should I buy property personally or through a Spanish SL?
The appropriate structure depends on the property use, investment horizon, financing, shareholders, existing company history and how profits will be retained or extracted. The Spanish SL calculator compares a new company with an existing company but does not replace legal, tax or accounting advice.
Do the calculators store my data?
No. Calculations run in your browser. The information you enter is not sent to SOBE Invest or stored by the calculators unless you choose to share a scenario through WhatsApp.
Can I download a PDF report?
Yes. Every calculator can generate a free SOBE Invest PDF report from the inputs and assumptions entered for that scenario.
Are the tax and mortgage figures definitive?
No. They are estimates based on the information entered and the rules, rates or lending assumptions built into each calculator. The final figures depend on the property, transaction, lender, taxpayer and documentation, and should be verified by the relevant qualified professional.
Are the calculator results financial, tax or legal advice?
No. The calculators are general information and scenario-modelling tools. Their results are not financial, tax, accounting or legal advice, a valuation, a forecast, an offer or a substitute for professional review.
Related
General information only — not financial, tax, accounting or legal advice, not a forecast, and not an offer. Results depend on the information and assumptions entered. Tax rules, lending criteria, company treatment and transaction costs vary by circumstance and can change over time; verify the relevant figures and structure with qualified professionals before making a decision.