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Articles, guides and videos about personal finance, mortgages, investing and crypto.
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Gross salary, net salary, and employer cost: what gets deducted, and why
Between what you cost the company and what you receive in your account there can be a 40% difference. We explain every deduction, what the IRPF is, Social Security, and how to calculate your real net salary.
What is the IPC and how does it affect your daily life?
The IPC rises 3% and your salary doesn't. We explain how it's calculated, why it doesn't always reflect your real shopping basket, and how to protect your purchasing power.
Compound interest: the eighth wonder of the world explained with real numbers
Einstein (probably) never said it, but he was right. We show you how compound interest turns €200 a month into more than a million euros, and why every year you wait costs you a fortune.
Fixed vs. variable mortgages in 2026: when each one pays off
With the Euríbor rising again in 2026 and banks adjusting their offers, the decision is getting harder. We break down every factor: spread, discounts, clauses, and regional taxation.
What is net worth? A simple guide (and how to calculate yours)
Your net worth is what really measures your wealth, not your salary. We explain what it is, how to calculate it, and what the official data say about Spain.
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The French amortization system: lower payment or shorter term?
Almost every mortgage uses the French system: fixed payment, but far more interest at the start. With real numbers, why shortening the term saves more than lowering the payment.
Investment taxation in Spain: funds, stocks, and ETFs
Mutual funds, stocks, and ETFs aren't taxed the same way. We explain the savings-income tax brackets, tax-free fund transfers, and why index funds are the most tax-efficient vehicle in Spain.