Should I use gross or net salary?

Net — what hits your bank. Gross bruto mis-prices rent in Madrid, Barcelona, or any city where owners ask for 3× net income.

What is a healthy savings rate in Spain?

There is no single rule. Many planners aim for 10–20% of net if possible; students and new arrivals often start lower — the tool shows your actual % so you can set a realistic target.

Can students or families use it?

Yes. Add ERASMUS grants, beca MEC, parental support, or combined household income in the income field — then map shared rent and groceries.

Does it connect to my bank?

No. Nothing is uploaded. You type amounts manually — useful if you want privacy or are planning before moving to Spain.

12 or 14 pagas — how do I enter income?

Either spread annual net over 12 equal months, or enter the lower months and keep a separate buffer for July/December extras. Consistency matters more than the method.

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Budget planner — see what is left after rent and bills

Whether you are a student splitting a piso, a family on 12 vs 14 pagas, or relocating and guessing at Spanish living costs, the first question is the same: after net income hits the account, what actually remains? Enter your monthly take-home and realistic expenses to see surplus, deficit, and savings rate — orientation for planning, not accounting software.

How to use

Enter net monthly income (salary, grants, family support — what actually lands in the account).
Fill housing, food, transport, utilities, subscriptions, and other categories with realistic figures.
Read leftover cash and savings rate (% of income not spent).
Adjust categories — e.g. lower rent target or cut subscriptions — until the month balances or hits your savings goal.

What the tool does

Totals expense categories, subtracts from income, and calculates monthly surplus/deficit and savings rate.

What the tool does not do

Does not connect to banks, import transactions, file taxes, or tell you what you 'should' spend — amounts are whatever you enter.

Tips

Use net pay, not gross: in Spain, IRPF and Social Security already reduced your transfer — budget on what you receive.
If your contract uses 14 pagas, either enter the average monthly deposit or budget the months when extras do not arrive.
Start with rent + groceries + transport (often 50–65% in cities); subscriptions and dining out are usually the fastest cuts.

FAQ

Should I use gross or net salary?: Net — what hits your bank. Gross bruto mis-prices rent in Madrid, Barcelona, or any city where owners ask for 3× net income.
What is a healthy savings rate in Spain?: There is no single rule. Many planners aim for 10–20% of net if possible; students and new arrivals often start lower — the tool shows your actual % so you can set a realistic target.
Can students or families use it?: Yes. Add ERASMUS grants, beca MEC, parental support, or combined household income in the income field — then map shared rent and groceries.
Does it connect to my bank?: No. Nothing is uploaded. You type amounts manually — useful if you want privacy or are planning before moving to Spain.
12 or 14 pagas — how do I enter income?: Either spread annual net over 12 equal months, or enter the lower months and keep a separate buffer for July/December extras. Consistency matters more than the method.

Budget planner — see what is left after rent and bills

How to use

What the tool does

What the tool does not do

Tips

FAQ

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