🇺🇸 United States vs 🇪🇸 Spain
Side-by-side early retirement comparison — taxes, cost of living, healthcare, and FIRE number.
Key Takeaway
Spain is significantly cheaper than United States for retirees. With a cost of living index of 60 vs 100, your money goes 40% further in Spain. Capital gains tax is 19% in Spain vs 0% in United States. Use the calculator to see your personalized FIRE number for both countries.
Side-by-Side Comparison
Tax Comparison for Retirees
🇺🇸 United States 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 United States and Spain — with Monte Carlo simulations and tax modeling.
🔥 Open Calculator — United States vs SpainFAQ: United States vs Spain for Retirement
Is it cheaper to retire in Spain or United States?
Spain has a cost of living index of 60 compared to United States's 100(where US = 100). Spain is significantly cheaper than United States for retirees. Your money goes approximately 40% further in Spain.
How do taxes compare between United States and Spain?
Capital gains tax is 19% in Spain vs 0% in United States. The top income tax rate is 47% in Spain vs 37% in United States. 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 United States?
Estimated annual healthcare costs are $0 in Spainvs $3,000 in United States. Spain offers public healthcare access for residents.