# Research Desk Independent research on the financial side of international relocation. Tax, visa costs, insurance, and banking for US/UK moves to Portugal, Spain & Mexico. Page: Feed: --- ## [Spain's 24% Flat Tax Has a Crossover Point Most Guides Miss](https://relocatehandbook.substack.com/p/spains-24-flat-tax-has-a-crossover) _2026-04-03 · Research Desk_ We compared the Beckham Law against progressive rates at 11 income levels. Below EUR 42,000, you're paying more for the privilege. ## [The Tax Election That Could Cost You $25,506](https://relocatehandbook.substack.com/p/the-tax-election-that-could-cost) _2026-03-21 · Research Desk_ We computed 96 tax scenarios for Americans moving to Portugal and Spain. The results upend the conventional wisdom. ## [The Portugal Move Nobody Budgets For Correctly](https://relocatehandbook.substack.com/p/the-portugal-move-nobody-budgets) _2026-03-15 · Research Desk_ Three financial blind spots that trip up Americans relocating to Portugal — with the 2026 numbers.