Croatia vs Spain
Tax Rate Comparison
Enter your income below for a personal tax estimate, then scroll down for full rate breakdowns.
๐ฐ Personal Income Tax Calculator
Enter your income to see your estimated annual tax liability in each country โ side by side.
๐ญ๐ท Croatia โ County & Municipal Surtax
Croatia's 20 counties (ลพupanije) and 556 local government units levy prirez (surtax) on income tax of 0%โ18%. Zagreb applies the maximum 18% surtax. The surtax is calculated on the national income tax liability. Property transfer tax is 3% on real estate. Municipalities may levy local fees. Croatia adopted the euro in 2023, replacing the kuna. The abolition of the second income tax bracket (36%) in 2024 simplified the system considerably.
๐ช๐ธ Spain โ Autonomous Community & Municipal Taxes
Spain's 17 autonomous communities set their own half of income tax. Madrid applies significant reductions while Catalonia has higher regional rates. The Basque Country and Navarre have special tax regimes (concierto econรณmico). Municipal taxes include IBI (property tax) and IAE (business activity tax). Effective top rates (national + regional) range from ~43% (Madrid) to ~54% in some communities.
Croatia vs Spain: Key Tax Differences (2026)
๐ฐ Income Tax: ๐ช๐ธ Spain has a higher top income tax rate (20โ30% vs 19โ47%). ๐ญ๐ท Croatia is more favourable for high earners.
๐ VAT/Sales Tax: Croatia has a higher consumption tax (5โ25% vs 4โ21%).
๐ข Corporate Tax: ๐ญ๐ท Croatia offers a lower corporate rate (18% vs 25%), which can influence business location decisions.
๐ Capital Gains: ๐ญ๐ท Croatia taxes investment gains at a lower rate (10% vs 28%), benefiting investors.