Tax advisers, working with AI that knows each country's tax law, organize your wealth, residence and succession within the law. Every measure is documented and approved by you before it's applied.
With significant wealth, three or four rules decide most of what you pay in Spain. These are the main ones, with their source in the Spanish Official Gazette (BOE).
General tax-free allowance of the wealth tax (Impuesto sobre el Patrimonio), plus up to €300,000 for your main home. Above €2 million you must file even if nothing is due.
Law 19/1991, arts. 4, 28 and 37Taxable base above which the solidarity tax on large fortunes applies. Above it, living in a region that relieves the wealth tax, like Madrid, doesn't mean paying nothing.
Law 38/2022, art. 3Top income tax (IRPF) rate on dividends, interest and capital gains, from €300,000 of savings income.
Law 35/2006, arts. 66 and 76Flat rate of the inbound workers' regime, the “Beckham Law”, on employment income up to €600,000, for the year you arrive and the next five.
Law 35/2006, art. 93Value of shares above which exit tax applies when you leave after 10 of the last 15 years as a resident. Or €1M if you own more than 25% of a company.
Law 35/2006, art. 95 bisCombined cap on income and wealth tax as a share of your income tax base. The wealth tax can be cut by no more than 80%.
Law 19/1991, art. 31National rules in 2026. Spain's regions (comunidades autónomas) change allowances, rates and reliefs for the wealth tax and for inheritance and gift tax.
Calculate my wealth taxWe look at your taxes together, because a decision on one changes what you pay on the others.
The AI does the exhaustive analysis, country by country. Judgement and responsibility belong to people.
45 minutes with an adviser. You tell us your situation and plans; ranges are enough, not exact figures.
We gather your documents and verify your identity and the source of your wealth, as Spanish anti-money-laundering law requires.
The AI calculates what you would pay under each option: residence, structure, timing. Your advisers rule out whatever doesn't hold up.
Each measure with its legal basis, risk and cost. You review it with your adviser and decide what is applied.
We coordinate with your notary, your bank and your advisers in other countries, and file the agreed returns once you approve them.
Every year, and whenever the law or your life changes: a sale, an inheritance, a move.
Choosing between the options the law offers is legitimate. Faking transactions to pay less is not.
Articles on wealth, residence and succession in Spain, with the 2026 figures and the official rules behind them.
Private wealth
What tax you pay when selling a company in Spain in 2026: savings income tax of 19% to 30%, the minimum value of unlisted shares, earn-outs and deferred price, selling through a holding company and its limits, and a €12 million worked example.
14 min read
Private wealth
When you are tax resident in Spain in 2026: how the 183 days are counted, the centre of economic interests, dual residency and treaty tie-breakers, residence certificates, the year you move and a Madrid to Lisbon example.
14 min read
Private wealth
The tax implications of moving to Spain with significant wealth in 2026: resident from 1 January with no split year, the Beckham Law, wealth and solidarity tax by region, Form 720, what to decide before you arrive, and life after the golden visa.
14 min read
From €1 million in net wealth. That is roughly where Spain's wealth tax starts: a €700,000 general allowance plus up to €300,000 for your main home.
Yes, when you choose between options the law itself offers and every transaction has a real business reason. Faking transactions or building structures with no purpose but tax is not: Spain's tax agency, Hacienda, can recharacterize and penalize them (arts. 15 and 16 of the General Tax Law). We only do the former.
Madrid relieves 100% of the wealth tax, but above €3 million of taxable base you do pay: either the national solidarity tax on large fortunes, or the share of the wealth tax the region stops relieving so it can collect it itself. Andalucía and some other regions work in a similar way.
You can apply if you haven't been resident in Spain in the previous five years and you're coming to work, to run a company or to start a business, among other cases. You apply within six months of registering with Spanish Social Security. You pay 24% on employment income up to €600,000 and, for wealth tax, only on assets in Spain. It's worth studying before you arrive.
If you've been resident for 10 of the last 15 years and hold shares worth more than €4 million, or more than €1 million in a company where you own over 25%, you're taxed on the unrealized gain when you leave: the exit tax. And Spanish nationals who move to a non-cooperative jurisdiction stay taxable in Spain that year and the next four. We plan it before you change residence.
Yes, the ones we agree on: income tax, wealth tax, solidarity tax, forms 720 and 721 and your holding company's corporate tax, among others. Always after you approve the exact version.
It depends on your case: countries, companies and returns. After the first conversation we send you a fixed, written fee proposal. We don't charge a percentage of what you save.
Only the people working on your case, under professional secrecy. If you prefer, we sign a confidentiality agreement before you send any document. The AI works with your documents inside Melso to prepare the analysis; it doesn't decide anything for you.
We reply within 2 business days to set up a first 45-minute conversation. Free of charge, no commitment.
An adviser will suggest a time for the first conversation. You don't need to send us any documents until then.