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Crypto Tax Calculator — Spain

An educational estimator using Spain's 2026 rules — not tax advice, and not a substitute for a professional.

Estimated tax owed
€1,980
on €10,000 of gains
Effective rate
19.8%
of the full gain
Taxed at 19% (first €6,000)€1,140
Taxed at 21% (€6,000–€50,000)€840

2026 rules verifiedJul 12, 2026

Estimates only — not financial advice.

Quick answer

This calculator estimates the crypto capital gains tax you owe in Spain under its 2026 rules, applying the official allowances and rate bands to your gain and showing the effective rate plus a full breakdown. It is an educational estimate, not tax advice — confirm with a professional before filing.

How this is calculated

The estimator applies Spain's headline capital-gains rules for the 2026 tax year directly to your inputs — allowances and thresholds first, then the applicable rate schedule, exactly as listed in the breakdown table. Bracket data lives in an open, editable data file stamped "verified 2026-07-12" (methodology).

What it deliberately ignores: cost-basis method choices, loss offsets, carried-forward losses, local/state surcharges and edge cases like business classification. Those are where tax software earns its keep.

How Spain taxes crypto — the essentials

  • Crypto gains are savings income (base del ahorro), taxed progressively: 19% up to €6,000, 21% to €50,000, 23% to €200,000, 27% to €300,000 and 30% above. The 30% top band arrived in 2025 (was 28%).
  • Crypto-to-crypto swaps ARE taxable disposals in Spain — every swap realizes a gain or loss in euros, not just the final cash-out.
  • This estimator assumes crypto gains are your only savings income; dividends and interest stack into the same bands and can push gains into higher rates.
  • Losses offset gains in the same year; unused losses carry forward four years (and can offset other savings income up to a 25% cap per year).
  • Cost basis is strictly FIFO per asset — Spain does not allow choosing which lot you sold.
  • Crypto held abroad above €50,000 must be reported on the informational Form 721 by 31 March — heavy penalties for skipping it, even with no tax due.

Official guidance: Agencia Tributaria — capital gains in the savings base (IRPF)

Frequently asked questions

How is crypto taxed in Spain?
Crypto gains are savings income (base del ahorro), taxed progressively: 19% up to €6,000, 21% to €50,000, 23% to €200,000, 27% to €300,000 and 30% above. The 30% top band arrived in 2025 (was 28%). Crypto-to-crypto swaps ARE taxable disposals in Spain — every swap realizes a gain or loss in euros, not just the final cash-out. The bullet summary below covers the rest, with a link to the official Agencia Tributaria guidance.
Is this my final tax bill?
No — it's an educational estimate based on the headline rules and your inputs. Real returns involve cost-basis methods, loss harvesting, other income interactions and local surcharges. Use it to size the liability, then confirm with software or a professional.
Do I owe tax if I only swapped one crypto for another?
In Spain, swapping is generally treated as a disposal of the coin you gave up — a taxable event even though no fiat touched your bank account. Only buying with fiat and holding is reliably tax-free.
What about staking rewards?
Most jurisdictions tax staking rewards as income when received — separately from the capital gains this tool estimates. See how staking rewards are taxed for the five-country breakdown.

Related guides

The Same $10,000 Crypto Profit, Taxed in 10 CountriesWe ran an identical $10,000 crypto gain through ten countries' 2025/26 tax rules. The bill ranges from $0 (Germany, held a year) to $3,300 (Italy).Crypto Tax-Loss Harvesting: The Rules in 10 CountriesSelling at a loss to cut your tax bill is legal almost everywhere — but wash-sale windows, repurchase rules and loss-offset limits differ wildly by country.Crypto Tax in Europe (2026): Six Countries ComparedUK, Germany, France, Italy, Spain and Ireland side by side — 2026 rates, allowances, whether swaps are taxable, and where the rules just changed.

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Disclaimer: This tool provides educational estimates only — it is not financial, investment or tax advice and not a substitute for a qualified tax professional. Crypto assets are volatile; past performance does not guarantee future results. See our methodology and full disclaimer.