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Financial education, no nonsense

Do the numbers. Decide better.

Free calculators and guides to understand your money: housing, renting, cars and much more. No jargon, sources cited, and nothing to sell you.

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We sell no products and earn no commissions. The number you see has no agenda.

Sources and dates included

Every rule cited — AEAT, BOE, INE — and we tell you when it was last reviewed.

One clear number in seconds

No spreadsheets, no fine print: a clear answer you can actually decide with.

The calculators

Pick your question. We bring the numbers.

Housing & rental

Rental yieldWhat does that flat really return? Gross and net yield in an instant.Rental income tax (IRPF)What you'll pay in tax on rental income, reductions applied.Seasonal vs. long-term rentalCompare what each rental mode would earn you, risks included.Rental default insuranceWhat insuring the rent would cost, and whether it pays off.Bank guarantee (aval) costWhat a bank guarantee really costs before you sign it.Vacant house costWhat an empty home costs you each year — and the alternative.

Car & household

Annual cost of owning a carWhat your car truly costs per year and per kilometre.
More on the waySaving, mortgages, retirement… we're building new calculators for more decisions.

Guides to understand before you decide

Clear, sourced explanations of the questions we all ask.

ComparisonsRenting or buying?Spain's most repeated money myth, tested against real numbers.Household financeWhat owning a car costsThe real figure per year and per kilometre, every expense counted.RentingIs rent default insurance worth it?When it pays off and when it doesn't, based on your numbers.
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“Renting is throwing money away.”

“A car is an investment.”

“Insurance never pays off.”

Things we all repeat. Rarely with the numbers in front of us.

Do the numbers. Decide better.

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