Thank you again for attending our workshop! On this page, you’ll find everything you need to keep your knowledge up-to-date, including the play, guide and tools. Have any questions? email us at education (at) abroaden.co and we’ll be happy to answer them.

Page contents

Workshop replay
Slide deck
Guidebook
Pension Calculator
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Workshop replay

Slide deck

Click here to see the slide deck in a new tab.

Guidebook

Click here to open the guidebook in a new tab.

Spanish pension calculators

Spain Pension Planning Toolkit

Pension Toolkit

FOR FOREIGNERS LIVING IN SPAIN🇪🇸

PPE Tax Efficiency Calculator

How much can I contribute, and what is the real value?

Understanding Contribution Limits

This calculator helps you estimate the tax benefits of contributing to your company’s pension plan (PPE).

Base Limit: Every individual has a global tax-deductible limit of €1,500/year.
Employer Limit: Employers can contribute up to €8,500/year tax-free.
Combined Limit: The total cannot exceed €10,000/year.

Your Details

Annual Gross Salary (€)

Employer Contribution (€)

Your Contribution (€)

Contribution Breakdown

Employer Contrib (Tax-Free): €0

Multiplier Applied: 0.0x

You Contributed: €0

*Calculation uses standard Spanish IRPF brackets.

Financial Efficiency

Total Added to Pension: €0

Your Cash Outlay: €0

Total Tax Value (Credit): €0

*Tax saved on total pot vs. taking as cash salary.

Effective Net Cost to You

€0

Reduction in annual take-home pay.

Reference: 2024/2025 Coefficient Limits

Employer Contribution	Employee Limit Formula
€0 – €500	Employer Amount x 2.5
€500.01 – €1,500	€1,250 + 0.25 x (Employer Amount – €500)
> €1,500	Employer Amount x 1.0 (Max total €10k)

2. PPE Performance Checker

Does it make sense to take my employer’s pension plan or skip it and invest elsewhere?

Walkthrough: How to use this tool

Enter your Pre-Tax / Gross Salary: This determines your estimated income tax bracket.
Enter your Contributions: Add how much you plan to save annually and any “free money” from your employer.
Compare Options:
- Option A (Pension): Assumes your full contribution is invested (Pre-Tax).
- Option B (Low Cost Investment Fund): Assumes income tax is paid first, so a smaller net amount is invested (Post-Tax).
Check the Result: See which option accumulates more total value by the time you retire.

Note: Results show accumulated value BEFORE exit taxes. Actual net income depends on residency and rules at retirement.

Your Profile

Gross Annual Salary (€)

My annual contributions (Gross €)

The total gross amount you wish to allocate per year.

Employer Contribution (Annual €)

“Free money” (Only for Option A)

Years until retirement

Assumptions

Option A: Pension Annual Growth (%) Annual Fee (%)

Option B: Fund Annual Growth (%) Annual Fee (%)

Option A: Spanish Pension

Invested: Pre-Tax (Gross)

(€1,500/yr)

Total Accumulated Value:

€0

Option B: Low Cost Investment Fund

Invested: Post-Tax (Net)

(~€945/yr)

Total Accumulated Value:

€0

3rd Pillar Performance Checker

Private Pension Plan (PPI) vs. Self-Invested Fund

Walkthrough: How to use this tool

Enter your Pre-Tax / Gross Salary: Determines your estimated income tax bracket.
Enter Annual Contribution: Max €1,500 (Global limit for all pension plans).
Compare Options:
- Option A (Private Pension): Pre-Tax investment (Tax Deductible).
- Option B (Self-Invested): Post-Tax investment (No Deduction).

Note: This calculation assumes the standard €1,500 limit applies. Remember this is a global limit shared across all your pension plans.

Your Profile

Gross Annual Salary (€)

Annual Contribution (Gross €)

Max €1,500/year.

Years until retirement

Assumptions

Option A: Private Pension Annual Growth (%) Annual Fee (%)

Option B: Fund Annual Growth (%) Annual Fee (%)

Option A: Private Pension (PPI)

Invested: Pre-Tax

(€1,500/yr)

Total Accumulated Value:

€0

Option B: Self-Invested

Invested: Post-Tax

(~€945/yr)

Total Accumulated Value:

€0

Autonomo Pension Checker

Simplified Employment Plan (PPES) vs. Self-Invested Fund

The “Autonomo” Boost

Self-employed workers can now access “Simplified Employment Pension Plans” (PPES) to increase their tax shield.

Total Limit: Up to €5,750/year (Standard €1,500 + €4,250 Autonomo Bonus).
Constraint: Contributions cannot exceed 30% of your Net Operating Income.

Your Profile

Net Annual Operating Income (€)

Your “Rendimiento Neto” from economic activity.

Annual Contribution (Gross €)

Years until retirement

Assumptions

Option A: PPES Plan Annual Growth (%) Annual Fee (%)

Option B: Fund Annual Growth (%) Annual Fee (%)

Option A: PPES Plan

Invested: Pre-Tax

Total Accumulated Value:

€0

Option B: Self-Invested

Invested: Post-Tax

Total Accumulated Value:

€0

Page contents

Workshop replay

Slide deck

Guidebook

Spanish pension calculators

PPE Tax Efficiency Calculator

Your Details

Contribution Breakdown

Financial Efficiency

Reference: 2024/2025 Coefficient Limits

2. PPE Performance Checker

Your Profile

Assumptions

Option A: Spanish Pension

Option B: Low Cost Investment Fund

3rd Pillar Performance Checker

Your Profile

Assumptions

Option A: Private Pension (PPI)

Option B: Self-Invested

Autonomo Pension Checker

Your Profile

Assumptions

Option A: PPES Plan

Option B: Self-Invested

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