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This guide shows how to use guito’s Calculators to simulate a financial scenario, for example estimating your annual income tax, working out your net salary, or calculating the tax due when buying or selling a home. Results update in real time as you adjust the inputs.

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Available calculators

guito groups its calculators into three categories.

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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 for independent work.

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Housing

  • Mortgage payment — your monthly instalment.
  • 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.

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Personal finance

  • Debt-to-income ratio — how much of your income goes to debt.
  • Unemployment benefit — your estimated benefit.
  • Cost of opportunity — what an expense could be worth if invested instead.
  • Investor profile — gauge your risk profile.
  • Energy comparator — compare electricity and gas offers.

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How to use a calculator

1

Open Calculators

Go to Calculators (/calculators) in the sidebar.
2

Choose a calculator

Pick the one you need, for example the income tax (IRS) simulator, the net salary calculator, or the property transfer tax (IMT) calculator.
3

Fill in the parameters

Enter the values for the scenario you want to simulate and watch the results update in real time.
The calculators are simulation tools and do not constitute financial advice.

Net worth overview

See your total net worth and how it evolves over time.

Investments

Track stocks, funds and certificates across your portfolios.