Tax is regional. Life is local.
What you pay
Spanish income and wealth tax are set by each region, so every town in a region pays the same. Only the local property tax changes from town to town.
How you live
Healthcare, climate, connectivity, housing and everyday life vary town by town, even within the same region.
Tertulia keeps the two apart, so you can see the trade-offs and decide how much each one matters.
Find where the numbers and the lifestyle align
The tax for your household in each of the 15 regions, and how 252 towns score for daily life, on one map.
What the engine found
Annual recurring regional tax (income tax, wealth tax and solidarity tax) for the reference household. Municipal property tax comes on top, town by town.
- 1
Explore
See every region's tax bill and every town's liveability score on one map.
- 2
Compare
Set your own weights for healthcare, climate, housing, safety and more.
- 3
Plan
Answer seven questions and get three places worth investigating.
Built from primary sources
Spanish tax law at the source
Consolidated law in the BOE, each region's 2026 measures, the tax agency's guidance and the US–Spain tax treaty.
Validated
The engine passes validation tests and has been checked against the tax agency's own simulators.
Official data for every town
Health ministry, census, weather agency, crime and housing statistics, each listed with a link to its source.
Check the Index against real life
The data gets us most of the way. Residents tell us where it misses. If you live in Spain, tell us what the numbers don't capture: it takes five minutes, and contributors are credited in every edition.
New editions and rule changes, by email
Research updates, new editions and important tax changes. No sales pitch.
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Spain Retirement Index
15 regional tax systems · 252 municipalities
Tax is legislated by the autonomous community, so every town in a region pays the same. Liveability belongs to the town. The two layers are kept apart on purpose.
Two layers, one map
Shading is the fiscal regime; dots are municipalities. Switch views to see how little the two agree.
Layer B · liveability weights
Tertulia defaults · ·Layer A · the 15 fiscal regimes
Layer B · 252 municipalities
Click a town to see its Wikipedia summary and its score on each dimension on the right.
Americans in Spain: how does your town really compare?
Official statistics describe the general population. Your answers tell us what matters to someone who arrived from the US, and they are reviewed before every edition.
Thank you. You're an Index contributor.
We'll email you when the edition that uses your answers is published.