🇦🇺 Australia vs 🇪🇸 Spain
Side-by-side early retirement comparison — taxes, cost of living, healthcare, and FIRE number.
Key Takeaway
Spain is significantly cheaper than Australia for retirees. With a cost of living index of 60 vs 80, your money goes 25% further in Spain. Capital gains tax is 19% in Spain vs 0% in Australia. Use the calculator to see your personalized FIRE number for both countries.
Side-by-Side Comparison
Tax Comparison for Retirees
🇦🇺 Australia Taxes
🇪🇸 Spain Taxes
Special Tax Regimes for Expats
Beckham Law
24% flat tax on Spanish income up to €600k. Foreign income exempt except employment.
Calculate Your Exact FIRE Number
Enter your portfolio, spending, and retirement age to see a personalized comparison between Australia and Spain — with Monte Carlo simulations and tax modeling.
🔥 Open Calculator — Australia vs SpainFAQ: Australia vs Spain for Retirement
Is it cheaper to retire in Spain or Australia?
Spain has a cost of living index of 60 compared to Australia's 80(where US = 100). Spain is significantly cheaper than Australia for retirees. Your money goes approximately 25% further in Spain.
How do taxes compare between Australia and Spain?
Capital gains tax is 19% in Spain vs 0% in Australia. The top income tax rate is 47% in Spain vs 45% in Australia. For FIRE retirees, the effective tax rate depends on your withdrawal strategy — use our calculator for a personalized estimate.
What about healthcare in Spain vs Australia?
Estimated annual healthcare costs are $0 in Spainvs $0 in Australia. Spain offers public healthcare access for residents. Australia offers public healthcare access for residents.