Our tools help you explore assumptions before discussing the details with your advisers. Each calculator explains its formula, exclusions and examples. Results are estimates, not personal financial or tax advice.
Buying cost calculator
Separate price, taxable base, acquisition expenses and expected mortgage funding. Compare ordinary resale and qualifying new-home assumptions in the buying calculator.
Mortgage repayment calculator
Change the loan, annual nominal rate and term to explore monthly payments and total interest under an unchanged-rate model. Open the mortgage calculator.
Rental yield calculator
Allow for vacancy, operating costs and debt payments. See the difference between a gross percentage and simplified pre-tax cash flow in the yield calculator.
Printable checklists
The guides include practical steps you can print with your browser. Start with legal checks, the buying process, selling preparation and annual ownership.
Seller proceeds and ownership budgets
The seller-proceeds calculator separates deposits received, sale deductions, withholding and an entered final-tax estimate. The ownership-cost calculator combines recurring costs, debt, one-off spending and a reserve into a funding plan.
A checklist for the viewing itself
Use the detailed viewing guide and its downloadable plain-text checklist. It helps record observations and assign questions for independent follow-up; it is not a survey or legal approval.
Compare the places on your shortlist
Use the area-comparison guide and downloadable worksheet to record tested routes, services, property evidence, costs and open questions for each address.
Completion and the first weeks
Read completion day and the first 30 days, with a downloadable worksheet for payment, handover and administration evidence. The organising period is not a universal legal deadline.
Rental agreement and handover
Use the rental inventory guide and the landlord-records guide, with a downloadable rental worksheet. The worksheet is an organising aid, not a contract, notice or legal approval.
Ownership and renovation planning
Use the renovation budget and annual-maintenance guide, with separate downloadable worksheets for project decisions and ownership responsibilities.
Decide what the home should do
Use the buyer-decision worksheet with whether buying fits and the property-type comparison to organise use, budgets, evidence and open questions.
Tax and finance records
Use the tax-finance worksheet with the tax guides to organise values, residence, filings, lending offers and outstanding advice. It is a records aid, not a tax return or approval.
Legal and technical evidence
Use the legal-and-technical worksheet with ownership rights, structural investigations and the new-build inspection guide to assign records, professional scope, decisions and final evidence. It is an organising aid, not a legal or technical approval.
Relocation and choosing a location
Use the relocation-and-location worksheet with moving to Spain and permanent-living choices. Record the household, authorities, tested journeys, property evidence and open questions. The worksheet does not establish residence, entitlement or legal approval.
Understand the terms
Read the property glossary for concise definitions, then follow the links to detailed guidance. Use the sources directory to reach official authorities.
Keep the wider decision in view
Explore mortgages, investment, property types and living in Spain. Each answers a different part of the decision. A positive calculator result does not establish permission, legal suitability or affordability for your circumstances.
