Calculators

guito’s Calculators simulate financial scenarios — income tax, net salary, the tax due when buying or selling a home — and results update as you adjust the inputs.

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Available calculators

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Taxes

• Income tax (IRS) simulator — estimate your annual income tax.
• Net salary — work out your take-home pay from a gross salary.
• Property transfer tax (IMT) — the tax due when buying a home.
• Municipal property tax (IMI) — the annual property tax.
• Property capital gains — the tax on selling a home.
• Self-employed (recibos verdes) — taxes and contributions on self-employment income.

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Housing

• Mortgage payment — your monthly installment.
• Euribor impact — how a rate change affects your payment.
• Cost of buying a home — the upfront costs of a purchase.
• Rent vs buy — compare renting against buying.
• Mortgage transfer — compare your current installment with another bank’s.
• Property value estimator — estimate market value from floor area and municipality.
• Rental yield — the annual return from renting out a property, after income tax on the rent.

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Personal finance

• Debt-to-income ratio — how much of your income goes toward debt payments.
• Unemployment benefit — your estimated benefit.
• Opportunity cost — what an expense could be worth if invested instead.
• Investor profile — gauge your risk profile.
• Expenses calculator — see where your monthly budget goes.
• Energy comparison — compare electricity and gas offers. The supplier list follows ERSE’s catalogue: suppliers that leave the market stop appearing, and the regulated gas market shows up once, as Comercializador de Último Recurso.

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How to use a calculator

Go to Calculators (/calculators) in the sidebar, pick the calculator you need and enter the values for the scenario you want to simulate.

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