eBook
PDF + EPUB · in Spanish
- Both formats included in one purchase
- 22 chapters, 8 appendices and a glossary
- Links straight through to these calculators
Index-fund calculators
Compounding
Compound interest calculator
Enter a monthly contribution, an expected return and a number of years. See how much you put in and how much the market added — plus what the final figure is worth in today's money once inflation is discounted.
Open calculator →Your number
How much capital you need for financial independence
Your annual spending and a withdrawal rate give you a target figure. The page also explains how to read that number without turning it into a promise.
Open calculator →Savings rate
How many years you are from financial independence
Move the savings rate and watch the date move with it. It is the variable that decides the outcome, far more than the return you manage to earn.
Open calculator →Asset allocation
Portfolio simulator: stocks versus bonds
Compare two stock/bond splits over the same horizon, then switch on a bad sequence — two opening years of −20 % and −10 % — to see which portfolio you could actually hold on to.
Open simulator →Costs
What fees really cost you
Put two expense ratios side by side — a cheap index fund against an expensive one — and see the gap compound. It is the figure that decides more portfolios than stock picking ever will.
Open calculator →Spanish tax tools
In Spanish
Spanish tax map for investors
How each vehicle is taxed in Spain across its whole life cycle, including the fund-to-fund transfer that defers tax indefinitely. Available in Spanish only, because it is specific to Spanish law.
Ver en español →In Spanish
Spanish capital gains tax calculator
What the Spanish tax authority takes when you sell, bracket by bracket, with loss offsetting and the withholding already applied. Available in Spanish only.
Ver en español →