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Finance Calculators

Mortgage, income tax, investments, salary and personal budget.

Our financial calculators help you plan your personal finances with data updated for 2026. From working out your monthly mortgage payment or the true cost of a loan to estimating your net take-home pay after income tax and Social Security, each tool includes detailed explanations so you understand the result, not just the number. The tools use standard financial formulas and, where a calculation depends on Spanish regulation, parameters taken from official sources (AEAT, Social Security) that we review periodically.

Before using any of these tools it is worth being clear about one principle: a calculator's result is a starting point for a decision, not a definitive figure. A mortgage depends on the property valuation and the risk profile the bank assigns you; a payslip depends on your family situation and your autonomous region. That is why each calculator includes a section explaining how to interpret the number obtained and which factors can shift it in your particular case, along with a step-by-step worked example showing the formula.

Mortgage Calculator (Spain)
Calculate your mortgage payment and see a full amortisation schedule.
Personal Loan Calculator
Calculate monthly payments and total cost of your personal loan.
Percentage Calculator
Calculate any percentage: what % of a number, % increase/decrease and more.
Spanish VAT (IVA) Calculator
Add or remove VAT from any amount instantly.
Spanish Income Tax Calculator (IRPF)
Calculate Spanish income tax (IRPF) and your net take-home pay.
Compound Interest Calculator
See how compound interest grows your savings over time.
Net Salary Calculator (Spain)
Calculate your net take-home pay after taxes and Social Security in Spain.
Rent vs Buy Calculator (Spain)
Compare renting vs buying a home over the long term.
Early Mortgage Repayment Calculator
Calculate interest saved by repaying your mortgage early.
APR / Nominal Rate Converter
Convert between APR and nominal rate for any compounding frequency.

Frequently asked questions

The calculations are indicative and are based on standard industry formulas and current Spanish tax data for 2026 (income tax brackets, contribution rates, etc.). For high-stakes decisions—mortgage, investment or retirement planning—always cross-check the results with a financial adviser or your bank.

The TIN (nominal interest rate) is the pure interest rate on the loan, excluding fees and additional costs. The APR (TAE) adds to the nominal rate the effect of the compounding frequency plus the mandatory fees and charges the customer must pay to obtain the financing, such as arrangement or study fees. It does not include linked insurance, notary and registry costs on a mortgage, or contingent fees that are only paid if something happens (early repayment, arrears claims), so it is not exactly the total cost. Even so, it is the best homogeneous indicator for comparing loans and mortgages: compare them by APR, not by nominal rate, and add the cost of any required linked products separately.

We update the income tax brackets, Social Security contribution rates and withholding tables at the start of each tax year, as soon as the Tax Agency publishes the official values for the year. Note that, until a new General State Budget is approved, the previous year's brackets may be carried over.

No. All calculations run entirely in your browser using JavaScript, with no information sent to any server. The data you enter — salary, mortgage amount, income — never leaves your device and disappears when you close the tab. The only information stored locally is the list of calculators you last visited, kept in browser local storage to offer you quick links, and you can delete it at any time by clearing the site data.

To compare loans with different conditions, the right tool is the APR calculator, because it converts nominal rates with different compounding frequencies into a single comparable figure. If you also want to see the impact on your monthly budget, combine it with the personal loan calculator, which gives you the payment and total interest. And if you are considering repaying an existing mortgage early, the early repayment calculator shows how much you would save by reducing the payment versus reducing the term.