Simulate pension plan withdrawals in Spain and model the exact IRPF tax impact. Compares lump-sum, monthly annuity, and mixed strategies while applying the statutory 40% tax deduction for pre-2007 contributions.
Portion eligible for the 40% statutory tax reduction when redeemed as a lump sum.
Post-2007 contributions taxed at 100% as standard employment income.
Gross annual public state pension received from Social Security.
\text{Base}_{\text{IRPF}} = \text{Pensión}_{\text{SS}} + \left(\text{Capital}_{<2007} \times 0{,}60\right) + \text{Rendimientos}_{\ge 2007}Pension plan distributions are treated as employment income taxed in the general progressive scale (19% to 47%), not under savings income. A 40% reduction is granted exclusively on lump-sum withdrawals corresponding to contributions made prior to January 1, 2007, provided redemption occurs in the retirement year or within the subsequent two tax years.
Pre-calculated benchmark tables across different budgets, terms, and rate models.
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