{"id":93873,"date":"2026-04-24T15:23:52","date_gmt":"2026-04-24T16:23:52","guid":{"rendered":"https:\/\/www.verificat.cat\/?p=93873"},"modified":"2026-04-24T15:44:57","modified_gmt":"2026-04-24T16:44:57","slug":"impuesto-ahorros-300000-euros","status":"publish","type":"post","link":"https:\/\/www.verificat.cat\/es\/impuesto-ahorros-300000-euros\/","title":{"rendered":"No existe ning\u00fan impuesto que grave con un 30% los ahorros a partir de 300.000 euros"},"content":{"rendered":"<figure class=\"wp-block-post-featured-image\"><img decoding=\"async\" width=\"499\" height=\"296\" src=\"https:\/\/www.verificat.cat\/wp-content\/uploads\/2026\/04\/portada_video_viral_bo.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Capturas del v\u00eddeo viral.\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.verificat.cat\/wp-content\/uploads\/2026\/04\/portada_video_viral_bo.jpg 499w, https:\/\/www.verificat.cat\/wp-content\/uploads\/2026\/04\/portada_video_viral_bo-300x178.jpg 300w\" sizes=\"(max-width: 499px) 100vw, 499px\" \/><\/figure>\n\n<style>html[dir=\"rtl\"] .wpml-language-switcher-block .wpml-ls-dropdown ul li.wp-block-navigation-submenu .wp-block-navigation-submenu__toggle img{margin-left:12px}html[dir=\"rtl\"] .wpml-language-switcher-block .wpml-ls-dropdown ul li.wp-block-navigation-submenu ul.isHorizontal li{text-align:right}html[dir=\"rtl\"] .wpml-language-switcher-block .wpml-ls-dropdown ul li.wp-block-navigation-submenu ul.isHorizontal li a img{margin-left:12px}.wpml-language-switcher-block{display:flex;box-sizing:border-box;width:100% !important}.wpml-language-switcher-block>.wp-block-navigation-item,.wpml-language-switcher-block>.wp-block-navigation-item>div{display:flex;width:100% !important}.wpml-language-switcher-block .wp-block-navigation__container{background:unset !important}.wpml-language-switcher-block .hide-arrow 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class=\"wp-block-navigation-item \" data-wpml=\"language-item\"><div><a class=\"wp-block-navigation-item__content\" data-wpml=\"link\" href=\"https:\/\/www.verificat.cat\/\"><span data-wpml=\"label\" data-wpml-label-type=\"native\" class=\"wp-block-navigation-item__label \">Catal&agrave;<\/span><\/a><\/div><\/li><li class=\"wp-block-navigation-item \" data-wpml=\"current-language-item\"><div><span data-wpml=\"label\" data-wpml-label-type=\"native\" class=\"wp-block-navigation-item__label \">Castellano<\/span><\/div><\/li><li class=\"wp-block-navigation-item \" data-wpml=\"language-item\"><div><a class=\"wp-block-navigation-item__content\" data-wpml=\"link\" href=\"https:\/\/www.verificat.cat\/en\/\"><span data-wpml=\"label\" data-wpml-label-type=\"native\" class=\"wp-block-navigation-item__label \">English<\/span><\/a><\/div><\/li><li class=\"wp-block-navigation-item \" data-wpml=\"language-item\"><div><a class=\"wp-block-navigation-item__content\" data-wpml=\"link\" 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.kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column93873_8b9704-77 > .kt-inside-inner-col{flex-direction:column;}.kadence-column93873_8b9704-77 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column93873_8b9704-77 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column93873_8b9704-77{position:relative;}@media all and (max-width: 1024px){.kadence-column93873_8b9704-77 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column93873_8b9704-77 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column93873_8b9704-77 box_post_summary\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id93873_65ecad-66 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id93873_65ecad-66 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id93873_65ecad-66 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:0px;padding-bottom:0px;grid-template-columns:repeat(2, minmax(0, 1fr));}.kb-row-layout-id93873_65ecad-66 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id93873_65ecad-66 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id93873_65ecad-66 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id93873_65ecad-66 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column93873_e38e6d-45 > .kt-inside-inner-col,.kadence-column93873_e38e6d-45 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column93873_e38e6d-45 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column93873_e38e6d-45 > .kt-inside-inner-col{flex-direction:column;}.kadence-column93873_e38e6d-45 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column93873_e38e6d-45 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column93873_e38e6d-45{position:relative;}@media all and (max-width: 1024px){.kadence-column93873_e38e6d-45 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column93873_e38e6d-45 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column93873_e38e6d-45\"><div class=\"kt-inside-inner-col\">\n<h3 class=\"wp-block-heading\">\u00bfQu\u00e9 se ha dicho?<\/h3>\n\n\n\n<p>Que gravar\u00e1n con un impuesto del 30% los ahorros de las personas a partir de los 300.000 euros acumulados, y que esto afecta a planes de pensiones e inversiones.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column93873_d76f7a-d1 > .kt-inside-inner-col,.kadence-column93873_d76f7a-d1 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column93873_d76f7a-d1 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column93873_d76f7a-d1 > .kt-inside-inner-col{flex-direction:column;}.kadence-column93873_d76f7a-d1 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column93873_d76f7a-d1 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column93873_d76f7a-d1{position:relative;}@media all and (max-width: 1024px){.kadence-column93873_d76f7a-d1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column93873_d76f7a-d1 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column93873_d76f7a-d1\"><div class=\"kt-inside-inner-col\">\n<h3 class=\"wp-block-heading\">\u00bfQu\u00e9 sabemos?<\/h3>\n\n\n\n<p>Que no existe ning\u00fan impuesto que grave con un 30% los ahorros de los contribuyentes. Que, a partir de la renta de 2025, se ha aplicado una subida del 28% al 30% del tramo m\u00e1ximo que grava los beneficios derivados de inversiones o cambios patrimoniales.<\/p>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n\n\n<p>Nos hab\u00e9is preguntado a trav\u00e9s de nuestro perfil de Instagram sobre una publicaci\u00f3n que asegura que el gobierno espa\u00f1ol grava con un 30% los ahorros superiores a 300.000 euros. La publicaci\u00f3n incluye un fragmento de un programa televisivo que afirma que este impuesto afecta a planes de pensiones e inversiones. Es<a href=\"https:\/\/www.verificat.cat\/es\/nosotros\/metodologia-como-funciona-verificat\/#:~:text=de%20la%20realidad.-,Enga%C3%B1oso,-Contiene%20alguna%20informaci%C3%B3n\" target=\"_blank\" rel=\"noreferrer noopener\"> <strong>ENGA\u00d1OSO<\/strong><\/a>.<\/p>\n\n\n\n<p>Ni el gobierno espa\u00f1ol ni ninguna otra administraci\u00f3n espa\u00f1ola ha aprobado ning\u00fan impuesto que grave por s\u00ed mismo los ahorros de los contribuyentes. La publicaci\u00f3n viral saca de contexto una modificaci\u00f3n que entr\u00f3 en vigor en 2025 y que aumenta del 28% al 30% el tipo m\u00e1ximo que deben pagar las personas que obtengan beneficios a partir de inversiones o cambios patrimoniales, a partir de los 300.000 euros.<\/p>\n\n\n\n<p>Este gravamen no se aplica si una persona no obtiene beneficios de sus ahorros, y tampoco a los planes de pensiones, que cuentan como rendimientos del trabajo (no como ahorro) y tienen una tributaci\u00f3n diferente.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote yellow is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u00ab<em>Hasta un 30% [de impuestos] sobre lo que lograste guardar si excede de 300.000 euros<\/em>\u00ab<\/p>\n<\/blockquote>\n\n\n\n<p>El impuesto sobre el ahorro est\u00e1 regulado por la misma ley que fija la renta de las personas f\u00edsicas (<a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2006-20764#:~:text=Bloque%2093%3A%20%23a66%5D-,Art%C3%ADculo%2066,-.%20Tipos%20de%20gravamen\" target=\"_blank\" rel=\"noreferrer noopener\">art\u00edculo 66<\/a>), y grava los beneficios del ahorro, no el total acumulado, a diferencia de lo que dice la publicaci\u00f3n viral.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Sube el tipo m\u00e1ximo de la tributaci\u00f3n de las inversiones<\/strong><\/h2>\n\n\n\n<p>Las rentas del ahorro, definidas en el <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2006-20764#:~:text=Jurisprudencia-,Art%C3%ADculo%2046,-.%20Renta%20del%20ahorro\" target=\"_blank\" rel=\"noreferrer noopener\">art\u00edculo 46<\/a> de la ley del IRPF, son los rendimientos de capital y las ganancias por transmisiones patrimoniales. Esto incluye, por ejemplo, el cobro de seguros de vida o los intereses provenientes de acciones, bonos o fondos de inversi\u00f3n, como detalla en <a href=\"https:\/\/www.cnmv.es\/DocPortal\/Publicaciones\/Guias\/Guia_Fiscalidad_Fondos_de_Inversion.pdf#page=4\" target=\"_blank\" rel=\"noreferrer noopener\">un documento informativo<\/a> la Comisi\u00f3n Nacional del Mercado de Valores (CNMV).<\/p>\n\n\n\n<p>La ley del IRPF introdujo cambios en este impuesto, con efectos a partir de las rentas del a\u00f1o pasado. Como <a href=\"https:\/\/www.cuatrecasas.com\/es\/spain\/fiscalidad\/art\/irpf-incremento-tipo-ahorro-2025\" target=\"_blank\" rel=\"noreferrer noopener\">explica el bufete Cuatrecasas<\/a>, el tipo m\u00e1ximo subi\u00f3 dos puntos porcentuales, del 28% al 30%, con la Ley 7\/2024 (<a href=\"https:\/\/www.boe.es\/diario_boe\/txt.php?id=BOE-A-2024-26694#:~:text=4%20y%C2%A05.%C2%BB-,Disposici%C3%B3n%20final%20s%C3%A9ptima,-.%E2%80%83Modificaci%C3%B3n%20de%20la\" target=\"_blank\" rel=\"noreferrer noopener\">disposici\u00f3n final s\u00e9ptima<\/a>) en vigor desde el 1 de enero de 2025.<\/p>\n\n\n\n<p>El impuesto sobre las rentas del ahorro se calcula seg\u00fan los tramos estatales y auton\u00f3micos que marcan los art\u00edculos <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2006-20764#:~:text=Art%C3%ADculo%2066.%20Tipos%20de%20gravamen%20del%20ahorro\" target=\"_blank\" rel=\"noreferrer noopener\">66.1<\/a> y 76.1 de la ley del IRPF. En ambos casos, los porcentajes pasaron el a\u00f1o pasado del 14 al 15% para los tipos m\u00e1ximos, de cantidades superiores a 300.000 euros. Como el impuesto es una suma de los dos tramos, creci\u00f3 del 28% al 30% para cifras superiores a 300.000 euros.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>\u00bfC\u00f3mo funciona el impuesto a los beneficios de los ahorros?<\/strong><\/h2>\n\n\n\n<p>El impuesto que grava los rendimientos derivados del ahorro no se aplica sobre el dinero total de que dispone una persona, sino sobre los beneficios extra que generan cada a\u00f1o.<\/p>\n\n\n\n<p>Por ejemplo: una persona tiene 10.000 euros ahorrados y decide invertirlos en diferentes productos, que en un a\u00f1o le generan 300 euros de beneficios. El impuesto se aplicar\u00e1 sobre estos 300, no sobre los ahorros totales, que contin\u00faan sin estar afectados por los impuestos si no superan los 700.000 euros; despu\u00e9s de este umbral, puede entrar en juego el impuesto de patrimonio, tal como <a href=\"https:\/\/www.newtral.es\/impuesto-patrimonio-que-quien-como-cuando\/20230607\/\" target=\"_blank\" rel=\"noreferrer noopener\">explica <em>Newtral<\/em><\/a>, miembro como Verificat de las redes internacionales de verificadores (<a href=\"https:\/\/ifcncodeofprinciples.poynter.org\/profile\/newtral\" target=\"_blank\" rel=\"noreferrer noopener\">IFCN<\/a> y <a href=\"https:\/\/members.efcsn.com\/organization\/newtral\" target=\"_blank\" rel=\"noreferrer noopener\">EFCSN<\/a>).<\/p>\n\n\n\n<p>Sobre los beneficios de los ahorros, el gravamen aplica diferentes porcentajes de retenciones en funci\u00f3n de los beneficios. Hasta los 6.000 euros, el impuesto equivale al 19% sobre las ganancias, y el tipo va subiendo hasta el 30% a partir de los 300.000 euros de beneficios netos sobre el rendimiento del ahorro.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-wp-embed is-provider-flourish wp-block-embed-flourish\"><div class=\"wp-block-embed__wrapper\">\n<iframe loading=\"lazy\" class=\"wp-embedded-content\" sandbox=\"allow-scripts\" security=\"restricted\" title=\"Interactive or visual content\" src=\"https:\/\/flo.uri.sh\/visualisation\/28686741\/embed#?secret=jmMj29TQU4\" data-secret=\"jmMj29TQU4\" frameborder=\"0\" scrolling=\"no\" height=\"575\" width=\"700\"><\/iframe>\n<\/div><\/figure>\n\n\n\n<p>Estos porcentajes se aplican por tramos progresivamente, como explica la CNMV en <a href=\"https:\/\/www.cnmv.es\/DocPortal\/Publicaciones\/Guias\/Guia_Fiscalidad_Fondos_de_Inversion.pdf#page=8\" target=\"_blank\" rel=\"noreferrer noopener\">un ejemplo<\/a> sobre un fondo de inversi\u00f3n: si el beneficio es de 10.000 euros, se aplicar\u00e1 un 19% para los primeros 6.000 euros y un 21% para los 4.000 restantes.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Los planes de pensiones tributan como rendimiento del trabajo<\/strong><\/h2>\n\n\n\n<p>En el caso de los planes de pensiones, los cobros no tributan como rendimientos del ahorro, sino como rendimiento del trabajo, como fija el <a href=\"https:\/\/www.boe.es\/buscar\/act.php?id=BOE-A-2006-20764#:~:text=e)%20Las%20contribuciones,pensiones%20de%20empleo.\" target=\"_blank\" rel=\"noreferrer noopener\">art\u00edculo 17.1<\/a> de la ley del IRPF. Las aportaciones a los planes de pensiones est\u00e1n exentas de IRPF, como explica en una <a href=\"https:\/\/www.bbva.es\/finanzas-vistazo\/ef\/planes-de-pensiones\/maxima-desgravacion-plan-de-pensiones.html#:~:text=las%20aportaciones%20de%20planes%20de%20pensiones%20reducen%20la%20base%20imponible%20general%20de%20la%20declaraci%C3%B3n%20de%20la%20Renta\" target=\"_blank\" rel=\"noreferrer noopener\">nota informativa<\/a> el <em>BBVA<\/em>. Por ejemplo, si alguien cobra 25.000 euros y destina 1.500 euros a un plan de pensi\u00f3n, estos 1.500 euros no formar\u00e1n parte del bruto anual de su sueldo que tributa para la declaraci\u00f3n de la renta.<\/p>\n\n\n\n<p>Ahora bien, cuando se cobra el plan de pensi\u00f3n, el titular no solo debe declarar los intereses que le haya generado el plan, sino el dinero total que ha retirado. La declaraci\u00f3n de los cobros se hace anualmente con el IRPF como rendimientos del trabajo, es decir, es como tener otro sueldo, como <a href=\"https:\/\/clientebancario.bde.es\/pcb\/es\/blog\/que-aportaciones-al-plan-de-pensiones-puedo-rescatar.html\" target=\"_blank\" rel=\"noreferrer noopener\">explica el Banco de Espa\u00f1a<\/a>. Los <a href=\"https:\/\/www.verificat.cat\/es\/el-tramo-autonomico-de-irpf-de-catalunya-no-es-mas-alto-que-en-el-resto-de-comunidades-como-afirma-santi-rodriguez\/\" target=\"_blank\" rel=\"noreferrer noopener\">tipos que se aplican son diferentes<\/a> a los de rendimiento del ahorro, y depender\u00e1n de la cantidad retirada.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Un v\u00eddeo viral saca de contexto el funcionamiento del impuesto que grava los beneficios extra derivados de inversiones y cambios patrimoniales<\/p>\n","protected":false},"author":45,"featured_media":93872,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","footnotes":""},"categories":[112,111],"tags":[],"class_list":{"0":"post-93873","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","6":"hentry","7":"category-soroll-verificaciones","8":"category-verificaciones","10":"with-featured-image"},"taxonomy_info":{"category":[{"value":112,"label":"Ruido"},{"value":111,"label":"Verificaciones"}]},"featured_image_src_large":["https:\/\/www.verificat.cat\/wp-content\/uploads\/2026\/04\/portada_video_viral_bo.jpg",499,296,false],"author_info":{"display_name":"I\u00f1aki Martinez","author_link":"https:\/\/www.verificat.cat\/es\/author\/inaki\/"},"comment_info":0,"category_info":[{"term_id":112,"name":"Ruido","slug":"soroll-verificaciones","term_group":0,"term_taxonomy_id":112,"taxonomy":"category","description":"","parent":111,"count":607,"filter":"raw","cat_ID":112,"category_count":607,"category_description":"","cat_name":"Ruido","category_nicename":"soroll-verificaciones","category_parent":111},{"term_id":111,"name":"Verificaciones","slug":"verificaciones","term_group":0,"term_taxonomy_id":111,"taxonomy":"category","description":"","parent":0,"count":1334,"filter":"raw","cat_ID":111,"category_count":1334,"category_description":"","cat_name":"Verificaciones","category_nicename":"verificaciones","category_parent":0}],"tag_info":false,"_links":{"self":[{"href":"https:\/\/www.verificat.cat\/es\/wp-json\/wp\/v2\/posts\/93873","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.verificat.cat\/es\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.verificat.cat\/es\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.verificat.cat\/es\/wp-json\/wp\/v2\/users\/45"}],"replies":[{"embeddable":true,"href":"https:\/\/www.verificat.cat\/es\/wp-json\/wp\/v2\/comments?post=93873"}],"version-history":[{"count":2,"href":"https:\/\/www.verificat.cat\/es\/wp-json\/wp\/v2\/posts\/93873\/revisions"}],"predecessor-version":[{"id":93875,"href":"https:\/\/www.verificat.cat\/es\/wp-json\/wp\/v2\/posts\/93873\/revisions\/93875"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.verificat.cat\/es\/wp-json\/wp\/v2\/media\/93872"}],"wp:attachment":[{"href":"https:\/\/www.verificat.cat\/es\/wp-json\/wp\/v2\/media?parent=93873"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.verificat.cat\/es\/wp-json\/wp\/v2\/categories?post=93873"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.verificat.cat\/es\/wp-json\/wp\/v2\/tags?post=93873"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}