# Pension plan tax saving

> Free tools for investors who are tax residents in Spain: tax-efficient withdrawals from investment funds (FIFO), the income-tax saving of a pension plan contribution, and a fund and portfolio comparator.

Estimate how much income tax (IRPF) this year's contribution to a Spanish pension plan saves.

- A guided flow in three steps: a welcome, your situation, the result.
- Applies the **art. 52.1 LIRPF** joint deduction limit, including the employer contribution and its extra tranche.
- The saving is computed for **one tax year** under the **2026 rules** (2026 Social Security contributions), at the state IRPF scale, without regional brackets or your other income.
- What the figure does not show: a pension plan defers tax rather than removing it, it only pays off if the tax rate at withdrawal is lower than today's, the refund must be reinvested, and the money is illiquid until retirement or another legal withdrawal event.

## Scope and limits

- Spain only: Spanish tax rules (IRPF), for Spanish tax residents.
- Informational, not financial or tax advice. Every result is an estimate.
- Not for: filing a tax return, any country other than Spain, or recommending specific products.

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Canonical page (Spanish): https://tools.sancho.vc/pensiones. Site overview: https://tools.sancho.vc/llms.txt.