Run the numbers with 2026 figures
Pay, taxes, mortgages and savings for Spain, Latin America and Hispanic families in the United States. No sign-up, official tables kept current.
Official figures in force as of
Spain
- Spain net salaryES
Gross to net with 2026 income tax and Social Security, in 12 or 14 payments.
- VAT for Spain and Latin AmericaES + 18 countries
Add or remove VAT, IGV or ITBIS. Includes Spanish freelancer withholding.
Latin America
- Mexico net salaryMX
2026 ISR tax schedule, employment subsidy and IMSS contributions.
- Colombia net salaryCO
Health, pension, solidarity fund and withholding with the 2026 UVT.
United States
- US paycheckUS
2026 federal tax, Social Security, Medicare, state tax and 401(k).
- True cost of remittancesUS → Latam
Fees, exchange-rate markup and the new 1% tax on cash transfers.
- Credit card payoffAll
How long until you’re debt-free and how much interest you’ll pay.
All countries
- MortgageES MX CO US
Payment, interest, cash needed and amortization schedule by country.
- Personal or auto loanAll
Monthly payment, interest and true APR including fees.
- Compound interest and savingsAll
How your money grows with monthly deposits, tax and inflation.
How we calculate
Every calculator applies the tables published by each country’s authority: the Tax Agency and Social Security in Spain, SAT and IMSS in Mexico, DIAN in Colombia, and the IRS and SSA in the United States. Each page links to the exact rule. All maths runs in your browser: we never send or store the amounts you type.