After you buy · 2026 budget

What will your home cost to own?

Plan your property expenses and estimate nonresident income tax. Compare personal use with letting and keep the figures alongside your property analysis.

Calculate Modelo 210 View ownership expenses

Buying is the beginning.

Look ahead to expenses, understand the taxes and plan with a clearer budget.

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Your share and ownership period

Enter the dates you own the property within 2026. All income and expenses must cover this same period; monthly amounts are not automatically converted into annual figures.

Tax year

Your ownership percentage

First day of ownership in 2026

Last day of ownership in 2026

My cash expense amounts coverFor whole-property figures, we apply your share once. Select the basis for income and deductions separately below. Cadastral values must always cover the whole property.

What comes out of your pocket

Enter amounts paid or budgeted for the selected period, including invoice taxes where appropriate. Leave unknown amounts blank; enter 0 when you know there is no expense.

IBI property tax

Waste collection charge

Community fees and special levies

Insurance

Water, electricity, gas and internet

Maintenance and repairs

Rental management

Mortgage interest

Mortgage principal repaid

Other costs

These are cash expenses. Entering them here does not make them deductible for IRNR. Mortgage principal reduces available cash but is kept separate from interest.

Annual income taxes

Select the competent tax authority. Common-territory IRNR can be estimated from the details below. For foral territories and Ceuta or Melilla, enter a confirmed calculation or leave tax pending.

My tax position

My rental income and deductions cover

Days let during your ownershipEnter 0 if the property will not be let. The remaining days are considered for potential imputed income. This estimate covers one taxpayer and a stable tax position throughout the period.

Gross rental incomeIncome accrued during the period, before expenses and excluding VAT and refundable security deposits. Use the ownership-share basis selected for rental income.

Property tax jurisdiction

This is a completed, usable urban dwelling held in full ownership, with a constant share and tax residence throughout the period. It excludes room-by-room or related-party letting, free use by others, hotel services and special regimes.

Usufruct, bare ownership, construction, business activities and special cases need a different assessment. You can still use the cash budget.

Tax residence for this estimate

I have checked the category for my tax residence. I have not inferred it from my nationality.

Rental tax deductions

Imputed income: cadastral value and percentage

The days without letting are for personal use or an available empty home, with no special circumstances excluding imputation.

Do you know the cadastral value?

Cadastral value of the whole propertyUse the IBI cadastral value: not the reference value, purchase price or land-only value.

Basis for applying 1.1% or 2%For 2026, 1.1% requires a general collective valuation effective between 2012 and 2026; otherwise 2% applies. An annual adjustment to the IBI bill is not enough. Check the cadastral information before choosing.

Effective year of the last general cadastral revisionThis is not necessarily the year of your bill or an annual coefficient adjustment. Leave it pending if unknown and check the cadastral information.

The figures are calculated in this browser. No sign-in is needed and these inputs are not sent to the server.

Your budget belongs in the decision.

Keep the figures alongside the documents and outstanding property questions. The firm can review the tax assumptions for your circumstances.

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