The honest math of owning in Spain.
A holiday home you use three weeks a year still costs you all 52. Here is exactly what traditional ownership costs, what SplitUp costs, and what the small difference actually buys you — every euro measured, never estimated.
Side by side
The same apartment, two ways to pay for it.
A real listing — a 3-bed beachfront apartment in Estepona, €995,000. One person buys the whole thing; or you buy the one week you'll actually use.
Buy it yourself
The whole house
To buy
price + 8% Spanish purchase costs
To run, every year
taxes, community, utilities, insurance, upkeep
Cost per night you actually use
empty 48 weeks — you still pay for them
Buy your days on SplitUp
One week — 7 day-tokens
To buy
7 day-tokens — the days you'll use
To run, every year
your fixed share + one cleaning + metered use
Cost per night you actually use
you only bought the nights you wanted
Traditional ownership only makes sense if you basically live there. For everyone who doesn't, SplitUp ties up ~50× less money and costs ~10× less per night you actually use.
Run your own numbers
What would it cost you?
Pick a property, drag to the number of days you'd want, and see your one-time price and your yearly running cost — next to what the whole house would cost you alone.
Separate trips a year
One cleaning fee per trip
Owner who never visits?
Then you only pay the fixed share — €191/year. No cleaning, no utilities.
One-time — to buy your days
€21,371
Running cost — per year
€308
- Fixed share · 7 × €27
- €191
- Cleaning · 1 × €75
- €75
- Metered utilities · 7 days
- ≈ €42
Buying the whole house the normal way
€1,075,000
upfront, in your name
€9,050/yr
for all 365 days, used or not
With SplitUp you tie up 50× less money and pay 29× less to run it — because you only own the days you'll use.
How the bill is built
Every euro measured, never estimated.
Your yearly cost is made of three buckets. Each one is either a known number split evenly, or a measured number billed to whoever caused it. Nothing is guessed — so there are no surprise top-ups.
1 · Fixed pool
Split evenly, 365 ways
Property tax, community fees, insurance, the company filing, a repair reserve — costs that don't change with use. A known yearly number, divided across the 365 day-tokens. Your share is exact.
≈ €27 per day-token, per year
2 · Metered utilities
You pay your own usage
A smart meter records exactly what you use during your stay — electricity, water, gas. No averaging, no subsidising a heavier user. The bill reconciles to the cent.
Measured, billed to you — never estimated
3 · Per-visit cleaning
One flat fee per trip
Each time you visit, one professional turnover clean. A flat fee, the same whether you own 1 day or 30. An owner who never visits pays nothing here.
€75 per visit · pay only when you go
What the difference buys
The extra is about €2.59 a day. Here's what it gets you.
Even if one person bought a whole property through SplitUp, it would run only ~€944 a year more than owning it the old way. That small premium pays for six things a normal owner simply doesn't have.
A real, tradable share
Your days are registered shares in a Spanish Sociedad Limitada (Law 6/2023) — notary-backed property rights you can sell, transfer or inherit. Not a timeshare, not membership points.
Sell in seconds — any size
List one day, a week, or everything on the SplitUp marketplace. No six-month sale, no estate agent, no notary bottleneck. Settle to your euro balance instantly.
Your buyer skips the 7% tax
Selling a tokenised share doesn't trigger Spain's 7% property-transfer tax the way a normal house sale does — which makes your days far easier, and faster, to sell on.
Keyless smart-lock access
Your access code arrives on your phone the morning you arrive. No key handovers, no lockbox, no meeting an agent. It expires when your days end.
Full insurance + liability
The property carries a proper buildings-and-liability policy, not the underinsured basic cover most second-home owners quietly run. Held by the company, covering every owner.
100% money-back guarantee
If a property never reaches full funding, every euro is returned automatically. You're never exposed to a half-funded deal.
Buy the days you'll actually use.
6,578 properties across the Costa del Sol. Pick your days, see your exact cost before you commit.