Roth IRA and 401(k) in Spain for Americans (2026)
Spain does not mirror US retirement-account tax treatment.
Updated July 2026Reviewed by Elena Alonso Volostnova, Colegiada Gestora Administrativa, ICGA Valencia
Full guide coming September 2026
We are expanding this page into a complete, sourced guide. In the meantime, the fastest way to get an answer specific to your situation is a strategy call. You will leave with a personalized pathway and a document checklist.
Related pages
US-Spain Double TaxationHow the treaty, FBAR, FATCA, and Modelo 720 fit together.FBAR & FATCAThe $10K FBAR trigger and Form 8938 thresholds, side by side.Modelo 720Spain's foreign-asset declaration that US filers routinely miss.Tax ResidencyThe triggers that make Spain tax your worldwide income.183-Day RuleDay-counting, sporadic absences, and residency traps.Social Security & MedicareTotalization benefits abroad, and the Medicare coverage gap.
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