HolaRetire · Free planning tools for retiring to Spain
A real monthly budget for the place you have in mind — every line editable.
Type over any line you already know. Your figure is kept and marked as yours.
| HousingRent, or what an owned home costs you every month.Source: Idealista, índice de precios del alquiler | €700–€1,450 |
|---|---|
| Electricity, water and gasHigher than people expect in summer on the coast, and in winter inland.Source: INE, Encuesta de Presupuestos Familiares | €85–€185 |
| Food shoppingLocal markets and Spanish brands sit at the low end; imported food does not.Source: INE, Encuesta de Presupuestos Familiares | €340–€620 |
| Eating out and going outThe line that varies most with how you live, and the easiest one to overspend.Source: INE, Encuesta de Presupuestos Familiares | €100–€440 |
| Getting aroundA car and its costs, or public transport with a pensioner card.Source: INE, Encuesta de Presupuestos Familiares | €70–€260 |
| Private health coverPer person, at retirement age, for full cover with no co-payments. Set it to zero if you have an S1.Source: UNESPA, Estamos Seguros (salud) — primas medias por tramo de edad | €180–€470 |
| Internet and phoneFibre and two mobile lines, which in Spain is usually one bundle.Source: CNMC, panel de hogares y estadística de comunicaciones | €40–€85 |
| Everything elseClothes, household things, haircuts, gifts, the dentist.Source: INE, Encuesta de Presupuestos Familiares | €100–€320 |
Your monthly budget: €2,475
About the Spanish average
Over a year: €29,700
How do you live?: €1,615–€3,830
A careful month would be €1,615, a comfortable one €3,830
On these answers you would need about €2,475 a month — €29,700 a year — before tax and before anything unusual. The two lines worth arguing with are housing and health cover: get those right and the rest of the budget rarely surprises anybody.
Your personal step-by-step plan for retiring to Spain, built around this result.
Free · takes about three minutes
Averages for “Spain” are close to useless — Murcia and Marbella are not the same country as far as your bank account is concerned. Pick where you are thinking of, say how you live, and change any line you already know better than we do.
Independently listed, experienced with international retirees, free to contact.
Independent buyer’s agency for international buyers in Spain — property search, mortgage guidance, legal due diligence and asset management on the buyer’s side.
Madrid
View profile →Marbella real estate agency helping international buyers find and settle into Costa del Sol homes
Costa del Sol
View profile →Murcia-based estate agent specialising in Costa Cálida properties for international buyers.
Region of Murcia
View profile →Figures verified on 19 August 2026.
Based on 2013 and 2025 figures where a newer official figure has not been published.
Ranges last compiled on 19 August 2026.
This is an estimate to help you plan, not advice. Your own position depends on where in Spain you live and on details no calculator sees — check anything that matters with a professional.