01
ES · MADRIDDatos locales
Vivir en Madrid.
Spain's capital and largest city, its main jobs, services and international-school hub, with the country's best transport and delivery infrastructure. A hot-summer continental climate (very dry, hot Jun–Aug; pleasant spring and autumn) and some of Spain's highest rents, driven up sharply in recent years.
Verificado
Fuente oficial
- Datos a fecha de
- 1 ene 2025
- Verificado
- 4 jul 2026
- Notas
- Municipality of Madrid (Madrid capital), official padrón figure at 1 January 2025 from the INE. Retrieved via the INE Tempus API series for table 2881 (Madrid. Total. Total habitantes: 3,506,730).
ES · MADRID
01
Vista rápida
Las cifras principales de Madrid, cada una con su fuente y su frescura. Una cifra oficial viva no es lo mismo que una estimación de encuesta ni que una normal climática de 30 años.
02
Alquiler, 1–3 dorm.
/mes
03
Impuestos del autónomo
Seguridad
9.6/10Calidad del aire
8.4/10Internet
5.0/10Inglés
5.0/10Sanidad privada
9.1/1002
Lo que te cuesta al mes
Una estimación para planificar: alquiler de oferta real más una cesta de coste de vida ajustada a tu hogar. No es un presupuesto en firme.
≈ $23.784 / año
- Alquiler (1 dorm.)$1043
- Food & non-alcoholic drinks$205
- Transport$147
- Restaurants & eating out$128
- Utilities (water, electricity, gas)$66
- Recreation & culture$64
- Clothing & footwear$54
- Health (out-of-pocket)$52
- Household goods$48
- Insurance & financial services$48
- Personal care & misc.$47
- Communications$42
- Education$21
- Alcohol & tobacco$17
- Gastos corrientes$939
El alquiler sale de la matriz de alquileres de oferta de abajo. Los gastos corrientes escalan una cesta de una persona ($939/mes) según el tamaño del hogar y el estilo de vida; los factores de equivalencia son un supuesto nuestro. No se incluyen colegios ni gastos únicos de instalación.
03
Coste de vida
Lo que gasta al mes una persona sola —comida, suministros, transporte, comer fuera y lo demás—, sin contar el alquiler.
INE — Encuesta de Presupuestos Familiares 2024 (household budget survey)
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Método
- INE EPF 2024 per-household COICOP category spending, rent removed (imputed rent €9,299 stripped from the housing group, utilities kept), divided by average household size 2.50 to a per-capita non-rent basket, converted at EUR/USD 1.1399. Categories sum to the ~$941/mo cost-of-living aggregate. National per-capita basis — living alone in Madrid/Barcelona runs higher.
Cesta de gasto de un hogar de una persona en Spain, sin contar el alquiler. Lo que no es alquiler varía poco entre ciudades; la parte propia de cada ciudad es el alquiler, que aparece más abajo en Vivienda.
01Cost of living (single, excl. rent)a nivel de país941USD/month, single person, excluding rent7.8
Qué mide esto
Monthly cost of a defined single-person basket (food, transport, utilities, mobile+internet, modest leisure) excluding rent, curated from national statistics office price data and large local retailers' published prices, converted to USD at the ECB rate recorded in fx-rates. The method field of each value itemizes the basket inputs.
Recopilado por SettleMetric
INE — Encuesta de Presupuestos Familiares 2024 (household budget survey), rent stripped
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Método
- INE EPF 2024 average household spending by COICOP group (total €34,044/hh). Housing group €11,029 reduced to utilities only (imputed rent €9,299 removed), leaving a non-rent basket of €24,746/hh. Divided by average household size 2.50 (€34,044 ÷ €13,626 per-person) → €9,905/person/yr = €825/mo; converted at EUR/USD 1.1399 (ECB 2026-07-02) → $941/mo. Cross-checked against Eurostat comparative price levels (Spain ≈ 92% of EU27; ≈ 1.28× Poland, whose figure is $753).
- Notas
- National per-capita non-rent basket. A person living alone typically spends somewhat more per head (fixed costs not shared) — this figure is the reproducible household-survey floor. City files (Madrid/Barcelona) run higher; Valencia/smaller cities lower.
04
Vivienda
Lo que cuesta alquilar, por tipo de vivienda y zona.
Idealista rental price report — Madrid municipio and districts, June 2026
Recopilado por SettleMetric
- Datos a fecha de
- 30 jun 2026
- Verificado
- 4 jul 2026
- Método
- Idealista city asking rent 23.7 €/m²/month (June 2026) × typical floor areas (studio 38, 1br 52, 2br 72, 3br 95 m²), split into center vs outside using Idealista district €/m² multipliers (central Centro 31.1 €/m² ⇒ ×1.31; outer/cheaper districts ≈17.6 €/m² Villaverde ⇒ ×0.74), converted at 1.1399 USD/EUR (fx-rates.json, ECB 2026-07-02).
- Notas
- DERIVED cells. Directly observed: the Idealista city-wide €/m² and per-district €/m². Per-apartment rents and the center/outside split are computed (city €/m² × floor area × district multiplier) because Idealista publishes €/m², not per-type × location rents. Center = central districts (Centro/Salamanca band ≈31 €/m²); outside = outer/cheaper districts (Villaverde/Moratalaz/Vicálvaro band ≈16.5–17.6 €/m²). A rival big-data source (Brains RE) put the Q1-2026 city average higher at 31.1 €/m² on a different methodology; Idealista asking prices are used here for consistency with the criterion's preferred source.
| Vivienda | Centro | Fuera del centro |
|---|---|---|
| Estudio | 1347 USD/mes | 762 USD/mes |
| 1 dormitorio | 1843 USD/mes | 1043 USD/mes |
| 2 dormitorios | 2552 USD/mes | 1444 USD/mes |
| 3 dormitorios | 3368 USD/mes | 1906 USD/mes |
05
Clima
Temperatura y lluvia a lo largo del año, más la calidad del aire.
NOAA/WMO Climatological Standard Normals 1991–2020 — Madrid, Retiro (WMO 08222)
Datos abiertos
- Datos a fecha de
- 31 dic 2020
- Verificado
- 4 jul 2026
- Método
- WMO 1991–2020 station normals, NCEI accession 0253808 (public domain). CSV parameter codes: 3 = mean daily max temperature (tMax), 4 = mean daily min temperature (tMin), 1 = mean monthly precipitation total (precipMm). Madrid-Retiro is AEMET's canonical central-Madrid urban station (elev. 667 m).
Temperatura media de día y de noche (líneas, eje izquierdo) y lluvia total (barras, eje derecho) por mes, con normales de 1991–2020. Pasa el cursor por un mes para ver las cifras exactas.
| ene | feb | mar | abr | may | jun | jul | ago | sept | oct | nov | dic | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Máxima diurna °C | 10.2° | 12.3° | 16.4° | 19.1° | 23.5° | 29.4° | 33.3° | 32.6° | 26.9° | 20.0° | 13.7° | 10.4° |
| Mínima nocturna °C | 3.0° | 3.7° | 6.3° | 8.2° | 11.9° | 16.5° | 19.5° | 19.3° | 15.5° | 11.1° | 6.4° | 3.7° |
| Lluvia mm | 32 | 34 | 35 | 46 | 48 | 20 | 9 | 10 | 24 | 64 | 52 | 42 |
01Climate comfort5pleasant months/year5.0
Qué mide esto
Number of months whose 1991–2020 climate normals satisfy: mean daily maximum between 15°C and 28°C and monthly precipitation under 150mm. Computed from the city's climate-normals indicator; the raw normals are stored alongside so users can judge by their own taste.
Recopilado por SettleMetric
SettleMetric computation over climate-normals
- Datos a fecha de
- 31 dic 2020
- Verificado
- 4 jul 2026
- Método
- Months with mean daily max 15–28°C and precipitation < 150mm: Mar (16.4), Apr (19.1), May (23.5), Sep (26.9), Oct (20.0) = 5. Jun–Aug excluded (tMax 29.4/33.3/32.6°C > 28°C, Madrid's hot dry summer); Jan/Feb/Nov/Dec excluded (tMax < 15°C).
02Air quality (PM2.5)9µg/m³, annual mean PM2.58.4
Qué mide esto
Annual mean fine-particulate (PM2.5) concentration for the city, latest available year. Anchors follow the WHO 2021 guideline (5 µg/m³ → 10) through the EU limit value territory (25 µg/m³ → 2). Preferred source: European Environment Agency city-level air quality data; outside Europe: WHO Ambient Air Quality Database or the national monitoring network.
Fuente oficial
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Método
- 2024 annual mean averaged across the Ayuntamiento de Madrid municipal stations measuring PM2.5 (Media RED = 9 µg/m³; station range 6 µg/m³ Casa de Campo to 10 µg/m³ Escuelas Aguirre / Castellana / Plaza Elíptica). Underlying data are the official municipal network (airedemadrid.madrid.es); the Ecologistas report tabulates them. EEA European city air quality viewer is the criterion's preferred cross-reference but its per-city value is only available in the interactive viewer.
- Notas
- About the WHO 2021 guideline territory but still above it (guideline 5 µg/m³); at/under the 2030 EU annual limit value (10 µg/m³) and well under the current EU limit (25). PM2.5 in Madrid has fallen over the 2010–2024 series.
06
Seguridad
Cómo de segura es la vida diaria, según estadísticas oficiales de criminalidad.
01Homicide ratea nivel de país0,7intentional homicides per 100,000/year9.6
Qué mide esto
Intentional homicide victims per 100,000 population, latest available year. Country level: UNODC national series. City level: official municipal/police statistics where published; otherwise null (country value shown as country-level).
Datos abiertos
Eurostat — police-recorded intentional homicide (ICCS 0101, per 100k)
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- Latest year 2024 = 0.72 per 100k (2023: 0.69; 2022: 0.69). Spain is among the safer EU countries for intentional homicide.
Eurostat — police-recorded offences by category (crim_off_cat, ICCS, unit P_HTHAB)
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 12 jul 2026
- Notas
- Police-recorded offences per 100,000 inhabitants, 2024 (ICCS categories: theft 0502, burglary 0501, robbery 0401, serious assault 020111, drug offences 0601, sexual violence 0301). Intentional homicide (0.72, same Eurostat 2024 series) is the scored safety headline shown separately. Recording practices and legal definitions differ between countries, so read the levels as context, not a league table.
Police-recorded offences per 100,000 inhabitants, 2024 (ICCS categories: theft 0502, burglary 0501, robbery 0401, serious assault 020111, drug offences 0601, sexual violence 0301). Intentional homicide (0.72, same Eurostat 2024 series) is the scored safety headline shown separately. Recording practices and legal definitions differ between countries, so read the levels as context, not a league table.
OSCE ODIHR Hate Crime Reporting — Spain (official police-recorded)
Fuente oficial
- Datos a fecha de
- 31 dic 2024
- Verificado
- 15 jul 2026
- Notas
- OSCE ODIHR 2024: 1,808 hate crimes recorded by police; the bias breakdown sums exactly to the total, with 804 racist/xenophobic — the largest category (also anti-LGBTI 528, gender-based 181). ODIHR caveat: police figures include some offences outside the OSCE definition (e.g. incitement/slander) that could not be excluded; a further 147 ideology-motivated offences were excluded. Not comparable across countries.
OSCE ODIHR 2024: 1,808 hate crimes recorded by police; the bias breakdown sums exactly to the total, with 804 racist/xenophobic — the largest category (also anti-LGBTI 528, gender-based 181). ODIHR caveat: police figures include some offences outside the OSCE definition (e.g. incitement/slander) that could not be excluded; a further 147 ideology-motivated offences were excluded. Not comparable across countries.
07
Infraestructura
Velocidad de internet y cómo llegan los paquetes a tu puerta.
01Domestic delivery qualitya nivel de paísGood7.0
Qué mide esto
Quality of in-country parcel delivery. excellent = nationwide next-day widely available, dense parcel-locker network, real-time tracking standard; good = 1–3 day delivery, lockers in major cities; basic = reliable but slow (3–7 days), mostly to-door or post-office pickup; poor = unreliable delivery, street addresses often unusable, informal workarounds common. Classified from official service/coverage data of the national postal operator and the two largest private carriers; inputs itemized in each value's method field.
Recopilado por SettleMetric
Correos official (network of delivery points, Citypaq lockers) + private carriers
- Datos a fecha de
- 31 dic 2025
- Verificado
- 4 jul 2026
- Método
- Correos ~13,000 attention/pickup points (2,380 offices + rural points + 2,115+ Citypaq lockers, plus new Punto Correos convenience points, end-2025); SEUR, MRW, GLS, DHL, UPS, Correos Express operate nationwide with tracking; 24–48h delivery standard in cities. Locker density lower than the most locker-dense EU markets, so classified 'good' rather than 'excellent'.
- Notas
- Reliable, tracked 1–3 day domestic delivery with a growing parcel-locker network (Citypaq); to-door and PUDO pickup both common.
02International delivery easea nivel de paísMinor friction7.0
Qué mide esto
Ease of receiving goods from abroad. seamless = major international carriers deliver door-to-door, meaningful duty-free de-minimis threshold, customs clearance predictable in days; minor-friction = carriers present but low de-minimis, extra paperwork or routine delays; significant-friction = frequent customs holds, high brokerage fees, some marketplaces refuse to ship; unreliable = parcels regularly lost or blocked, informal import channels dominate. De-minimis thresholds and clearance rules from the national customs authority (official source, cite the regulation); carrier presence from carriers' official pages.
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Intra-EU shipping is frictionless (single market, all major carriers). Non-EU imports: the €150 duty-free threshold was removed EU-wide on 2026-07-01 — a temporary flat €3-per-item customs duty applies to ≤€150 consignments (until 2028); VAT already collected at checkout via IOSS since 2021. Predictable but no longer duty-free; DHL/UPS/FedEx/SEUR clear customs routinely.
03Internet speeda nivel de país50,4Mbps, median fixed download5.0
Qué mide esto
Median fixed-broadband download speed over the trailing 6 months from M-Lab NDT open data (CC0), aggregated at country or city level. Not comparable with Ookla figures (different test methodology) — do not mix sources within this criterion.
Datos abiertos
M-Lab NDT country aggregates for Spain
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Método
- Median of 344 daily country medians, 9,298,577 tests (2023 — latest full year in M-Lab's public stats API; 2024 file is partial at 86 days with a similar 52.5 Mbps median).
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion. Spain has extensive FTTH coverage; real advertised fibre speeds are far higher than this test-based median.
08
Sanidad
Lo que cuesta un seguro médico privado completo.
01Private healthcare costa nivel de país821USD/year, comprehensive private insurance premium, healthy 35-year-old9.1
Qué mide esto
Median of at least three publicly quoted annual premiums for comprehensive private medical insurance (outpatient + inpatient, ~$100k coverage, small deductible) for a healthy 35-year-old resident foreigner, from local and international insurers. Method field lists the insurers quoted.
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Comprehensive Spanish private health policies (póliza de salud) include outpatient AND hospitalization/inpatient by default. For a healthy 35-year-old, full-cover plans run ≈ €45–52/mo with modest copays and ≈ €65–90/mo copay-free (Sanitas, Adeslas, DKV — 2026 published ranges). Comprehensive midpoint ≈ €60/mo ≈ €720/yr ≈ $821 at EUR/USD 1.1399 (range ≈ $615–$1,230/yr).
- Notas
- Residents in the contributory system have public healthcare (Sistema Nacional de Salud); private cover is optional and widely bought for speed/choice. Premiums are quoted on request and vary by province (Madrid/Barcelona highest) and copay structure, so this is a curated market midpoint on a comprehensive (outpatient+inpatient) basis, not a single public quote.
09
Dinero y cripto
Normas sobre cripto y con qué libertad se mueve el dinero personal.
01Crypto regulationa nivel de paísLegal regulated8.0
Qué mide esto
Own classification of the legal status of holding, trading and cashing out cryptocurrency for individuals: legal-friendly (legal with clear, favourable rules or explicit tax exemptions), legal-regulated (legal under standard licensing/AML and taxation), restricted (partial bans: payments or banking access prohibited), banned (holding/trading prohibited). Classified from national regulators' and central banks' official positions.
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Holding/trading legal for individuals. Gains on disposal (to fiat OR crypto-to-crypto swaps, which ARE taxable, unlike Poland) are savings income (renta del ahorro) taxed 19–30% under IRPF; FIFO applies. EU MiCA fully applicable in Spain from 1 July 2026 (CASPs licensed/supervised by CNMV and Banco de España); DAC8 reporting from 2026. Buying with fiat is not a taxable event.
02Financial control levela nivel de paísLow10.0
Qué mide esto
Own composite of state control over personal money flows: currency/capital controls (IMF AREAER), restrictions on foreign accounts and transfers, mandatory income declaration scope for residents, cash payment limits, banking access for foreigners. Low = free movement of personal funds and easy non-resident banking; very-high = strict capital controls and pervasive reporting. Method field on each value lists the inputs used.
Recopilado por SettleMetric
Agencia Tributaria — límite de pagos en efectivo (Ley 11/2021); eurozone member, no capital controls
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Composite: eurozone member, euro fully convertible, no currency/capital controls (free EU capital movement). Cash-payment limit €1,000 per transaction when a party acts as business/professional (Ley 11/2021), €10,000 for non-resident private individuals. Standard EU CRS/DAC bank reporting and DAC8 for crypto; Modelo 720 declaration of foreign assets >€50,000 exists (informational). No exchange restrictions on personal funds; non-residents can open bank accounts (NIE required).
- Notas
- Modelo 720 foreign-asset reporting (>€50,000) is an information duty; EU Court struck down its disproportionate penalty regime in 2022, penalties since aligned to general rules. Overall personal money movement is free (low control) by the criterion's definition.
10
Idioma
Hasta dónde llega el inglés en la vida diaria y en los trámites.
01English proficiencya nivel de paísModerate5.0
Qué mide esto
Own banding of how far English gets a resident in daily life (government offices, healthcare, housing, services). Informed by EF EPI band (research source, cited with attribution, not republished) plus official language status and service-sector realities. Values are our bands, not EF scores.
Estudio
EF EPI 2025 (Spain rank 36/123, score 540 — Moderate band)
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Own band informed by EF EPI 2025 (attribution: EF Education First; Spain score 540, Moderate band, weakest in speaking 462). English is workable in tourist/hospitality zones and among younger urban professionals, but limited in government offices, healthcare, and everyday services outside big cities — a moderate rating for daily life.
11
Educación
Opciones de colegios internacionales para familias.
01International schools33accredited international schools, count10.0
Qué mide esto
Count of international schools in the metro area accredited by or member of IB, CIS, COBIS, or an equivalent national-curriculum-abroad body (verified against the accreditor's public registry, not aggregator sites).
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Count of IB-curriculum (IB World / candidate) schools in the Madrid metro area (33). Named accreditor-verified schools beyond the IB set also exist and are NOT added here to avoid double-counting: AEFE-homologated French schools (Lycée Français de Madrid + annexe Saint-Exupéry, Lycée Français International Molière, École Saint-Louis des Français, Union Chrétienne de Saint-Chaumond — 4 establishments), the German Auslandsschulwesen 'Exzellente Deutsche Auslandsschule' Deutsche Schule Madrid, the US-accredited American School of Madrid, and COBIS/NABSS British schools (King's College — COBIS founding member, Runnymede College, Hastings School).
- Notas
- ±3 uncertainty: the IB directory could not be fetched directly (ibo.org returns 403 to the fetch tool), so the IB count is taken from the International Schools Database IB filter, which mirrors the IB 'Find an IB World School' registry, and may include a few candidate schools. Regardless of the exact figure, Madrid is far above the top scoring anchor (25 schools → 10): counting the additional AEFE/German/US/COBIS-accredited schools listed in method would raise the total further. Metro-area basis (includes La Moraleja/Pozuelo/Alcobendas belt where most international schools sit), not municipality-only.
12
Demografía
Quién más vive aquí: el porcentaje de residentes extranjeros y las mayores comunidades nacionales, según estadísticas oficiales.
Openness to foreignersa nivel de paísMuy abiertaGallup MAI 7,44/9 · 2016 · WVS w7 · KCL 13% rechazan tener vecinos extranjeros
Qué mide esto
How accepting the resident population is of migrants and foreigners — the inverse of xenophobia, a real concern for someone relocating. Our own five-band reading (very-open / open / moderate / reserved / low) informed primarily by the Gallup Migrant Acceptance Index (0–9 scale: three questions on migrants living in the country, becoming neighbours, and marrying into the family; 2019 wave), cross-checked where available with the World Values Survey wave 7 / European Values Study 2017 question on whether people would not want immigrants or foreign workers as neighbours (a higher share = more hostile). Banding guide against the Gallup 0–9 score: ≥7.0 very-open, 5.5–7.0 open, 4.0–5.5 moderate, 2.5–4.0 reserved, below 2.5 low (the 2019 global average of 5.21 sits in 'moderate'). Country level only: no credible city-level survey of attitudes to foreigners exists, so on city pages the country reading is shown as country context. Gallup is a research source cited with attribution, not republished in bulk; the raw index score/year and any cross-check figure are carried inside each value. Value shape: { band, gallupMai?, gallupYear?, unwantedNeighborPct?, unwantedNeighborSource? }. Display-only: attitudinal, survey-based and ~2019 vintage, so it is shown as honest context and never folded into the composite score.
Estudio
- Datos a fecha de
- 23 ago 2017
- Verificado
- 15 jul 2026
- Notas
- Gallup MAI 7.44/9 (2016/2017 wave) — among the 20 most-accepting countries worldwide. Cross-check — World Values Survey wave 7 (via King’s College London’s cross-country analysis): 13% said they would not want immigrants or foreign workers as neighbours (mid-range for Western Europe). Band: very-open.
INE — Censo Anual de Población / Estadística Continua de Población, 1 Jan 2025
Fuente oficial
- Datos a fecha de
- 1 ene 2025
- Verificado
- 4 jul 2026
- Notas
- 6,911,971 foreign nationals of 49,128,297 residents = 14.1% (INE, 1 Jan 2025). Basis = foreign citizenship on the population register (padrón), which captures registered residents including most long-term migrants. 19.3% of residents are foreign-born (higher, includes naturalized citizens).
INE — Censo Anual de Población, foreign population by nationality, 1 Jan 2025
Fuente oficial
- Datos a fecha de
- 1 ene 2025
- Verificado
- 4 jul 2026
- Método
- INE 1 Jan 2025 foreign-population-by-nationality counts; shares = count ÷ 6,911,971 total foreign nationals. Top 10 shown; the register covers many more nationalities.
- Notas
- Latin American (Colombia, Venezuela, Peru, Honduras, Ecuador) and Moroccan communities dominate, plus large Romanian and Italian EU groups. Ukrainians (177,929) include temporary-protection beneficiaries registered in the padrón.
Latin American (Colombia, Venezuela, Peru, Honduras, Ecuador) and Moroccan communities dominate, plus large Romanian and Italian EU groups. Ukrainians (177,929) include temporary-protection beneficiaries registered in the padrón.
13
Cómo puedes quedarte
Cómo puedes entrar y quedarte legalmente. Se aplican en todo Spain.
Todos los requisitos y filtro por nacionalidad- 01International teleworking authorization (digital nomad visa)Visado de nómada digitalTodas salvo EU citizensingresos ≥ 2849 EUR/monthNon-EU national working remotely for companies outside Spain; work for Spanish-based firms may not exceed 20% of total professional activity1 año +→ vía a la residencia permanente
- 02Residence and work authorization — self-employment (cuenta propia)Permiso para autónomosTodas salvo EU citizensingresos ≥ 600 EUR/monthBusiness plan validated with a positive viability report from a recognized self-employed workers' association (ATA, UPTA, CIAE, etc.)1 año +→ vía a la residencia permanente
- 03Non-lucrative residence visa (passive income)Residencia temporalTodas salvo EU citizensingresos ≥ 28.800 EUR/yearProve passive income or sufficient savings ≥ 400% IPREM (pension, rents, dividends, savings) — NOT from working in Spain1 año +→ vía a la residencia permanente
- 04EU Blue Card (highly-qualified employment)Residencia temporalTodas salvo EU citizensingresos ≥ 33.000 EUR/yearBinding job offer / employment contract with a Spanish employer in a highly-qualified role3 años +→ vía a la residencia permanente
- 05EU/EEA citizens — registration of residencePrograma especialEU citizensNo visa or permit needed; full labour-market access and self-employment on the same terms as Spanish nationals10 años +→ vía a la residencia permanente
- 06Visa-free stay (Schengen 90/180)Estancia sin visadoUS citizens, UK citizens, Ukrainian citizensPassport of an EU visa-exempt (Annex II) country; for Ukraine and other Eastern Partnership states: biometric passports only3 meses
14
Lo que pagarías en impuestos
Los regímenes fiscales entre los que puede elegir un autónomo. Las normas son nacionales: las mismas en todo Spain.
Regímenes completos y calculadora- 01Beckham regime — special impatriate tax (flat 24%)progressive on revenue: 24% up to 600,000, 47% above24.0%de carga con 60 000 €
- 02Autónomo — estimación directa simplificada (RETA + IRPF)fixed per month by annual profit: 205.88 up to 8,040; 226.47 up to 10,800; 267.65 up to 14,000; 299.56 up to 15,600; 302.65 up to 18,000; 302.65 up to 20,400; 360.29 up to 22,200; 380.88 up to 24,360; 401.47 up to 27,960; 427.21 up to 33,120; 452.94 up to 38,280; 478.68 up to 43,440; 504.41 up to 48,600; 545.59 up to 72,000; 607.35 above + 5% of profit32.1%de carga con 60 000 €
Mira cuánto te quedaría
Tus ingresos frente a los regímenes fiscales reales de Spain, con el mismo motor que la calculadora completa.
- 1 Beckham regime — special impatriate tax (flat 24%)45.600 EURneto/año24.0 % de carga
- 2 Autónomo — estimación directa simplificada (RETA + IRPF)40.767 EURneto/año32.1 % de carga
15
¿Para quién es Madrid?
El mismo lugar se lee distinto según por qué te mudes. Cada perspectiva reúne los datos que más importan para ese plan, con sus fuentes y las contrapartidas dichas sin rodeos.
Contrato o trabajo por cuenta propia en tecnología, facturando a clientes de fuera.
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INE — Encuesta de Presupuestos Familiares 2024 (household budget survey), rent stripped
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Método
- INE EPF 2024 average household spending by COICOP group (total €34,044/hh). Housing group €11,029 reduced to utilities only (imputed rent €9,299 removed), leaving a non-rent basket of €24,746/hh. Divided by average household size 2.50 (€34,044 ÷ €13,626 per-person) → €9,905/person/yr = €825/mo; converted at EUR/USD 1.1399 (ECB 2026-07-02) → $941/mo. Cross-checked against Eurostat comparative price levels (Spain ≈ 92% of EU27; ≈ 1.28× Poland, whose figure is $753).
- Notas
- National per-capita non-rent basket. A person living alone typically spends somewhat more per head (fixed costs not shared) — this figure is the reproducible household-survey floor. City files (Madrid/Barcelona) run higher; Valencia/smaller cities lower.
Correos official (network of delivery points, Citypaq lockers) + private carriers
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2025
- Verificado
- 4 jul 2026
- Método
- Correos ~13,000 attention/pickup points (2,380 offices + rural points + 2,115+ Citypaq lockers, plus new Punto Correos convenience points, end-2025); SEUR, MRW, GLS, DHL, UPS, Correos Express operate nationwide with tracking; 24–48h delivery standard in cities. Locker density lower than the most locker-dense EU markets, so classified 'good' rather than 'excellent'.
- Notas
- Reliable, tracked 1–3 day domestic delivery with a growing parcel-locker network (Citypaq); to-door and PUDO pickup both common.
A lo que estar atento
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best realistically-eligible scheme for a solo IT freelancer = es-autonomo-estimacion-directa at €60,000 revenue with 10% (€6,000) expenses. RETA cuota tramo 14 (base 1,732.03 × 31.5%) = 6,547.08/yr; difícil-justificación 2,000 (notional); IRPF base 39,902.92 (after mínimo personal 5,550) → 10,465.58. Total levies 17,012.66 / 60,000 = 28.4%. The Beckham regime (flat 24%) is NOT open to ordinary freelancers, only to eligible employed/relocated impatriates — see es-beckham-impatriate.
M-Lab NDT country aggregates for Spain
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Método
- Median of 344 daily country medians, 9,298,577 tests (2023 — latest full year in M-Lab's public stats API; 2024 file is partial at 86 days with a similar 52.5 Mbps median).
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures — comparable only within this criterion. Spain has extensive FTTH coverage; real advertised fibre speeds are far higher than this test-based median.
EF EPI 2025 (Spain rank 36/123, score 540 — Moderate band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Own band informed by EF EPI 2025 (attribution: EF Education First; Spain score 540, Moderate band, weakest in speaking 462). English is workable in tourist/hospitality zones and among younger urban professionals, but limited in government offices, healthcare, and everyday services outside big cities — a moderate rating for daily life.
Mudarse con pareja e hijos en edad escolar.
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Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Count of IB-curriculum (IB World / candidate) schools in the Madrid metro area (33). Named accreditor-verified schools beyond the IB set also exist and are NOT added here to avoid double-counting: AEFE-homologated French schools (Lycée Français de Madrid + annexe Saint-Exupéry, Lycée Français International Molière, École Saint-Louis des Français, Union Chrétienne de Saint-Chaumond — 4 establishments), the German Auslandsschulwesen 'Exzellente Deutsche Auslandsschule' Deutsche Schule Madrid, the US-accredited American School of Madrid, and COBIS/NABSS British schools (King's College — COBIS founding member, Runnymede College, Hastings School).
- Notas
- ±3 uncertainty: the IB directory could not be fetched directly (ibo.org returns 403 to the fetch tool), so the IB count is taken from the International Schools Database IB filter, which mirrors the IB 'Find an IB World School' registry, and may include a few candidate schools. Regardless of the exact figure, Madrid is far above the top scoring anchor (25 schools → 10): counting the additional AEFE/German/US/COBIS-accredited schools listed in method would raise the total further. Metro-area basis (includes La Moraleja/Pozuelo/Alcobendas belt where most international schools sit), not municipality-only.
Eurostat — police-recorded intentional homicide (ICCS 0101, per 100k)
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- Latest year 2024 = 0.72 per 100k (2023: 0.69; 2022: 0.69). Spain is among the safer EU countries for intentional homicide.
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Comprehensive Spanish private health policies (póliza de salud) include outpatient AND hospitalization/inpatient by default. For a healthy 35-year-old, full-cover plans run ≈ €45–52/mo with modest copays and ≈ €65–90/mo copay-free (Sanitas, Adeslas, DKV — 2026 published ranges). Comprehensive midpoint ≈ €60/mo ≈ €720/yr ≈ $821 at EUR/USD 1.1399 (range ≈ $615–$1,230/yr).
- Notas
- Residents in the contributory system have public healthcare (Sistema Nacional de Salud); private cover is optional and widely bought for speed/choice. Premiums are quoted on request and vary by province (Madrid/Barcelona highest) and copay structure, so this is a curated market midpoint on a comprehensive (outpatient+inpatient) basis, not a single public quote.
Fuente oficial
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Método
- 2024 annual mean averaged across the Ayuntamiento de Madrid municipal stations measuring PM2.5 (Media RED = 9 µg/m³; station range 6 µg/m³ Casa de Campo to 10 µg/m³ Escuelas Aguirre / Castellana / Plaza Elíptica). Underlying data are the official municipal network (airedemadrid.madrid.es); the Ecologistas report tabulates them. EEA European city air quality viewer is the criterion's preferred cross-reference but its per-city value is only available in the interactive viewer.
- Notas
- About the WHO 2021 guideline territory but still above it (guideline 5 µg/m³); at/under the 2030 EU annual limit value (10 µg/m³) and well under the current EU limit (25). PM2.5 in Madrid has fallen over the 2010–2024 series.
Optimizar impuestos, banca y normas sobre cripto.
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Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Holding/trading legal for individuals. Gains on disposal (to fiat OR crypto-to-crypto swaps, which ARE taxable, unlike Poland) are savings income (renta del ahorro) taxed 19–30% under IRPF; FIFO applies. EU MiCA fully applicable in Spain from 1 July 2026 (CASPs licensed/supervised by CNMV and Banco de España); DAC8 reporting from 2026. Buying with fiat is not a taxable event.
Agencia Tributaria — límite de pagos en efectivo (Ley 11/2021); eurozone member, no capital controls
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Composite: eurozone member, euro fully convertible, no currency/capital controls (free EU capital movement). Cash-payment limit €1,000 per transaction when a party acts as business/professional (Ley 11/2021), €10,000 for non-resident private individuals. Standard EU CRS/DAC bank reporting and DAC8 for crypto; Modelo 720 declaration of foreign assets >€50,000 exists (informational). No exchange restrictions on personal funds; non-residents can open bank accounts (NIE required).
- Notas
- Modelo 720 foreign-asset reporting (>€50,000) is an information duty; EU Court struck down its disproportionate penalty regime in 2022, penalties since aligned to general rules. Overall personal money movement is free (low control) by the criterion's definition.
A lo que estar atento
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best realistically-eligible scheme for a solo IT freelancer = es-autonomo-estimacion-directa at €60,000 revenue with 10% (€6,000) expenses. RETA cuota tramo 14 (base 1,732.03 × 31.5%) = 6,547.08/yr; difícil-justificación 2,000 (notional); IRPF base 39,902.92 (after mínimo personal 5,550) → 10,465.58. Total levies 17,012.66 / 60,000 = 28.4%. The Beckham regime (flat 24%) is NOT open to ordinary freelancers, only to eligible employed/relocated impatriates — see es-beckham-impatriate.
Priorizar la seguridad, el aire y una vida diaria sencilla.
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Eurostat — police-recorded intentional homicide (ICCS 0101, per 100k)
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- Latest year 2024 = 0.72 per 100k (2023: 0.69; 2022: 0.69). Spain is among the safer EU countries for intentional homicide.
Fuente oficial
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Método
- 2024 annual mean averaged across the Ayuntamiento de Madrid municipal stations measuring PM2.5 (Media RED = 9 µg/m³; station range 6 µg/m³ Casa de Campo to 10 µg/m³ Escuelas Aguirre / Castellana / Plaza Elíptica). Underlying data are the official municipal network (airedemadrid.madrid.es); the Ecologistas report tabulates them. EEA European city air quality viewer is the criterion's preferred cross-reference but its per-city value is only available in the interactive viewer.
- Notas
- About the WHO 2021 guideline territory but still above it (guideline 5 µg/m³); at/under the 2030 EU annual limit value (10 µg/m³) and well under the current EU limit (25). PM2.5 in Madrid has fallen over the 2010–2024 series.
INE — Encuesta de Presupuestos Familiares 2024 (household budget survey), rent stripped
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Método
- INE EPF 2024 average household spending by COICOP group (total €34,044/hh). Housing group €11,029 reduced to utilities only (imputed rent €9,299 removed), leaving a non-rent basket of €24,746/hh. Divided by average household size 2.50 (€34,044 ÷ €13,626 per-person) → €9,905/person/yr = €825/mo; converted at EUR/USD 1.1399 (ECB 2026-07-02) → $941/mo. Cross-checked against Eurostat comparative price levels (Spain ≈ 92% of EU27; ≈ 1.28× Poland, whose figure is $753).
- Notas
- National per-capita non-rent basket. A person living alone typically spends somewhat more per head (fixed costs not shared) — this figure is the reproducible household-survey floor. City files (Madrid/Barcelona) run higher; Valencia/smaller cities lower.
A lo que estar atento
SettleMetric computation over climate-normals
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2020
- Verificado
- 4 jul 2026
- Método
- Months with mean daily max 15–28°C and precipitation < 150mm: Mar (16.4), Apr (19.1), May (23.5), Sep (26.9), Oct (20.0) = 5. Jun–Aug excluded (tMax 29.4/33.3/32.6°C > 28°C, Madrid's hot dry summer); Jan/Feb/Nov/Dec excluded (tMax < 15°C).
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