How are dividends taxed in Spain?

In Spain, dividends are taxed as savings income (rendimientos del ahorro) at progressive rates: 19% on the first 6,000 EUR, 21% from 6,000 to 50,000 EUR, 23% from 50,000 to 200,000 EUR, 27% from 200,000 to 300,000 EUR, and 28% above 300,000 EUR.

How are dividends taxed in Germany?

Germany applies a flat Abgeltungsteuer of 25% plus 5.5% Solidaritätszuschlag (total 26.375%). The first 1,000 EUR per year is tax-free thanks to the Sparerpauschbetrag (2,000 EUR for married couples filing jointly).

Is the withholding tax on foreign dividends included?

This calculator shows your domestic tax liability. Foreign dividends may be subject to withholding tax in the source country (e.g., 15% US withholding), which can often be credited against your domestic tax bill via a double taxation treaty.

Can I reduce my dividend tax bill?

In Germany, make sure to file a Freistellungsauftrag with your broker to use your Sparerpauschbetrag. In Spain, dividends are taxed on net savings income, so capital losses from the same year can offset some dividend income.

Dividend Tax Calculator

Find out how much tax you'll owe on your dividend income in Spain or Germany.

Calculate for

Annual dividend income

Annual dividend income (€)

Tax breakdown

Find out how much tax you'll owe on your dividend income in Spain or Germany.

How the dividend tax calculator works

Enter your total annual dividend income and select your country. The calculator applies the correct tax rules and shows your net payout.

Enter your annual dividends

Add up all the gross dividends you expect to receive this year from stocks, ETFs, or funds. This is the amount before any tax is deducted.

Select your country

Spain applies progressive savings tax brackets (19%–28%). Germany uses a flat 26.375% rate (Abgeltungsteuer) with a 1,000 EUR tax-free allowance (Sparerpauschbetrag) for single filers.

See your net dividend income

The calculator shows exactly how much tax you owe, your effective rate, and what you keep. For Spain, you'll see the breakdown by bracket.

Track your real dividends in Arfin

Arfin automatically tracks dividend income from all your holdings, shows forward yields, and projects your annual dividend income — so you always know what to expect.

FAQ

Track your dividends and full portfolio in one place

Start free →