IRPF — Capital gains
IRPF taxes the net gain between the sale price and the acquisition value, after deducting eligible costs and documented investments. It is taxed as savings income at rates from 19% to 28%.
Financial transparency
How much does selling really cost you?
The sale price is not the same as the money you will ultimately receive. Enter your property details for an indicative estimate of the taxes and costs associated with the transaction and see how much you will actually keep.
Sale transaction details
The values can be adjusted to suit your property.
Property location
Currently calculated for the Valencian Community.
Sale price
Estimated or agreed sale price.
Original acquisition value
Original purchase or inheritance value plus deductible costs.
IRPF (capital gains tax)
Savings income tax rates (19% to 28% of the gain).
Municipal land value tax (IIVTNU)
Municipal tax on land value. Approximate estimate.
Mortgage discharge
Notary, registration and administrative fees to remove the mortgage charge.
Technical certificates (CEE and occupancy certificate)
Energy performance and occupancy certificates required by the notary.
LaHome services
Enter the agreed amount or leave it at 0.
Municipal land value tax (IIVTNU)
A tax collected by the local council on the increase in land value. It is calculated using the actual gain or objective coefficients. If there has been no actual increase in land value, the transaction is not subject to this tax.
Mortgage discharge
If the property has an outstanding mortgage, the balance is settled with the bank at completion and a mortgage discharge deed is executed to remove the charge from the Land Registry and transfer the property free of charges.
Mandatory certificates
To complete the sale before a notary, a valid Energy Performance Certificate (CEE) and occupancy certificate or second-occupancy licence must be provided.
Exemption for people over 65
If you are over 65 and sell your main residence, the capital gain is fully exempt from IRPF, regardless of how you use the proceeds.
Reinvestment in a main residence
If you sell your main residence to buy another main residence within two years, the gain is exempt in proportion to the amount actually reinvested.
This tool provides an indicative estimate only. Final amounts may vary according to the transaction, regional deductions, the exact acquisition date, cadastral values and each seller’s personal and tax circumstances.
Would you like a personalised assessment and an accurate valuation of your home?
Contact laHome Real Estate and we will review your transaction individually to provide a detailed estimate tailored to your property, tax position and personal circumstances.
Request an assessment