🇩🇪 Germany vs 🇪🇸 Spain
Side-by-side early retirement comparison — taxes, cost of living, healthcare, and FIRE number.
Key Takeaway
Spain is somewhat cheaper than Germany for retirees. With a cost of living index of 60 vs 75, your money goes 20% further in Spain. Capital gains tax is 19% in Spain vs 26% in Germany. Use the calculator to see your personalized FIRE number for both countries.
Side-by-Side Comparison
Tax Comparison for Retirees
🇩🇪 Germany 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 Germany and Spain — with Monte Carlo simulations and tax modeling.
🔥 Open Calculator — Germany vs SpainFAQ: Germany vs Spain for Retirement
Is it cheaper to retire in Spain or Germany?
Spain has a cost of living index of 60 compared to Germany's 75(where US = 100). Spain is somewhat cheaper than Germany for retirees. Your money goes approximately 20% further in Spain.
How do taxes compare between Germany and Spain?
Capital gains tax is 19% in Spain vs 26% in Germany. The top income tax rate is 47% in Spain vs 45% in Germany. 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 Germany?
Estimated annual healthcare costs are $0 in Spainvs $4,800 in Germany. Spain offers public healthcare access for residents. Germany offers public healthcare access for residents.