Pick up to three countries and compare how taxes, inflation and market rates shape the real return on your savings. Figures use live ECB and Eurostat data.
| Metric | Spain | Portugal | Germany |
|---|---|---|---|
| Tax on interest income | 19.0% Capital Gains Tax (up to €6k) | 28.0% Capital Gains Tax | 26.4% Abgeltungsteuer (25% + Soli + Church) |
| Inflation (HICP, YoY) | 5.0% | 3.6% | 3.3% |
| 10Y government bond yield | — | — | — |
| Top real yield (after tax & inflation) | -1.82% Bono del Estado 10Y | -0.36% Certificados de Aforro Série E/D (>5Y) | -0.69% Palmer Square EUR CLO Senior (PCLD) |
| Products beating inflation | 0 / 26 | 0 / 33 | 0 / 24 |