Renta 2026: prepara tu declaración conjunta o individual

The tax campaign for 2026, which regulates fiscal activity for 2025, is just around the corner. Over the next three months, you'll have to account to the tax authorities and settle any discrepancies between the income tax you've paid and what you're owed based on your income level.

Key dates to know

April 8, 2026, marks the start of the tax campaign. While the deadline extends to June 30, it's not recommended to leave it until the last day, as this could lead to penalties. The sooner you submit, the better.

Before making your submission, it's recommended that you carefully check all the options available to ensure you get the best result. For married couples, this means deciding whether to file jointly or individually. The outcome can be quite different, even with the same incomes.

One key figure to consider is €3,400. If you or your partner earn less than this amount annually, it's generally more beneficial to file jointly. This is because the law grants a €5,500 tax benefit to all taxpayers, plus an additional €3,400 deduction for filing jointly, resulting in a total of €8,900 free from taxes.

Additional deductions are available for families, with €2,400 deducted for the first child, rising to €2,800 for those under three, and up to €4,500 for subsequent children. These deductions are applied automatically if your data is up to date.

As we've seen, filing jointly has several attractive benefits, but also its own limitations. We recommend that you analyze your situation and test filing both jointly and individually to compare results and make a more informed decision.