UtilXter Blog
Personal finance
How to calculate your net salary in Spain in 2026: full guide
Gross vs. net, social security contributions, 2026 income-tax brackets and a real step-by-step example.
Mortgages
Fixed or variable mortgage in 2026: which to choose
Euribor, pros and cons of each type and a numerical comparison on €200,000 over 30 years.
Employment law
How to calculate severance pay in Spain: a practical guide
Settlement components, dismissal types and their severance, and a complete worked example.
Energy
How to compare electricity tariffs in Spain
Regulated vs. free market, P1/P2/P3 bands and practical tips to pay less for electricity.
Saving & investing
Compound interest: how to grow your savings
Simple vs. compound interest, the rule of 72 and why starting early changes everything.
Mortgages
Mortgage overpayments: reduce the term or the payment?
Cut the term vs. cut the payment: which saves more interest and when to choose each.
Personal finance
How to read your payslip: key terms explained
Earnings, deductions, contribution bases and net pay, explained clearly.
Programming
Hexadecimal, binary and decimal: a guide to understanding them
Binary, hexadecimal and decimal: why they exist and how to convert between systems step by step.