What are the costs of selling a property?

When selling a property, there are several expenses and taxes that can reduce the final profit of the operation. In our Expense Calculator you can enter your data and obtain a personalized estimate, but broadly speaking these are the main ones:

• Municipal capital gain (IIVTNU) : tax that depends on the City Council and the time you have been the owner.

• Income tax (IRPF) on capital gains : it is calculated on the difference between the purchase price and the sale price, according to the current tax brackets.

• Mortgage cancellation costs (if any): cancellation fee and notary and registration costs.

• Agency fees : percentage or fixed amount agreed upon for managing the sale.

• Mandatory certificates : such as the habitability certificate and the energy efficiency certificate.

• Other purchase or improvement expenses : different concepts can be included here that also affect the calculation of net profit, such as:

  • Notary fees, registration and taxes (ITP or VAT) that you paid when you bought the property.

  • Renovations and improvement works accredited with invoices (kitchen, bathrooms, installations, etc.).

  • Initial mortgage expenses (establishment, fees or appraisal) if you want to include them in the calculation.

  • Other investments directly related to the property and that have increased in value.

Our calculator takes all of this data into account:

• Buying and selling price

• Cadastral value

• Municipality where the property is located

• Purchase and sale dates

• Other associated expenses

With this information, it shows you:

• Estimated net profit after deducting expenses and taxes

• Tax breakdown (personal income tax and municipal capital gains)

• Details of costs such as commissions, certificates, and other expenses

👉 Try it here: Expense Calculator