Salary After Tax · Updated June 2026
US Citizen in Spain: Tax Calculator
US citizens in Spain file two returns for life: Spain taxes as the residence country first, then the US return reconciles via the $132,900 FEIE or the Foreign Tax Credit. Spanish progressive rates (19–47%) or the 24% Beckham regime decide which US mechanism wins.
The real costs are structural: PFIC rules effectively bar US citizens from local index funds, and Spanish wealth-tax filings interact with US basis rules. Compliance, not double taxation, is the expat tax burden.
Salary after tax calculator · 2026
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Where every dollar goes
2026 rules: federal brackets, $16,100/$32,200 standard deductions, $184,500 SS wage base. Hourly figures assume 40 h/week × 52. Non-US figures are planning estimates incl. employee social charges.
Key insights
Key insights
- FEIE $132,900 or FTC – model both, annually.
- Beckham 24% can leave residual US tax for high earners.
- PFIC rules: avoid foreign-domiciled funds entirely.
- FBAR $10k aggregate trigger; Form 8938 stacks on top.
- Totalization prevents double social security.
The Spain–US mechanics
Under Beckham (24% flat), low Spanish tax can leave residual US tax for high earners – the rare case where a "tax break" abroad creates a US bill. Standard Spanish rates usually exceed US rates and the FTC zeroes everything.
Universal landmines: PFIC treatment of foreign funds (punitive – hold US-domiciled ETFs instead), FBAR at $10k aggregate, Form 8938 thresholds, and totalization certificates to avoid double social security.
FAQ
Frequently asked questions
Do US citizens in Spain pay tax twice?
Rarely on the same income: Spain taxes first, the US credits or excludes. The double burden is compliance – two filings, PFIC restrictions, and information returns with painful penalties.
FEIE or FTC for Spain?
Standard-regime residents: FTC. Beckham-regime members with low Spanish tax: often FEIE for earned income plus careful credit planning on the rest.
Can I invest in local funds?
Avoid foreign-domiciled funds – PFIC taxation is punitive. US-domiciled ETFs via a US brokerage remain the standard expat portfolio answer (where the broker allows a foreign address).
What about social security contributions?
The US–Spain totalization agreement assigns you to one system (usually the residence country after ~5 years) – get the certificate of coverage to stop double payroll taxation.
What if I haven't filed for years?
The Streamlined Foreign Offshore Procedures: 3 years of returns + 6 of FBARs, penalty-free for non-willful cases – typically with little or no tax due thanks to FEIE/FTC.
Keep exploring
Related Salary After Tax pages
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- Beckham Law 24 Percent Flat Tax
- Beckham Law Modelo 151
- Beckham Law Dividend Exemption
- Spain Standard vs Beckham Tax
- Beckham Law Malaga
- Beckham Law Wealth Tax
- Spain Beckham Law Calculator
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