Finanzas Fáciles
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Clear personal finance guidance for life in Spain

Practical guides on savings, investing, mortgages, and taxes — designed for anyone living in Spain.

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TaxesMay 14, 2026 · 3 min

What to prepare before Hacienda calls you to file your tax return by phone

If you booked Le Llamamos, prepare your Cl@ve phone or reference number, DNI, IBAN, and property references before the call to avoid delays.

TaxesMay 12, 2026 · 3 min

Pay your Renta with Bizum or card in 2026: who can use it and when it makes sense

AEAT allows electronic payment for tax returns to be paid using Bizum or card in 2026. Learn when it applies, how it compares with direct debit, and what to check before paying.

TaxesMay 11, 2026 · 3 min

Le Llamamos appointment 2026: when to book and how Spain's tax phone service works

Spain's tax agency opens Le Llamamos appointments from 29 April to 29 June 2026, with calls starting on 6 May. Learn how to book and whether this phone support service is right for you.

MortgagesMay 4, 2026 · 14 min

Spain rental extension 2026: what happened and what it means for tenants

Spain's emergency rental extension decree was struck down by Congress in April 2026. We explain what it included, how the repeal affects tenants, and what may come next.

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These featured guides are the best starting point if you are new to personal finance in Spain.

Taxes📌April 8, 2026 · 11 min

Positive or negative result in the Spanish Renta: what it means | Easy guide

Is your Spanish tax return showing a positive or negative result? We explain what each outcome means, whether you owe money or Hacienda owes you a refund.

Mortgages📌March 18, 2026 · 11 min

Complete guide to mortgages in Spain (2026): how they work and how to choose

Everything about mortgages in Spain: what they are, types (fixed, variable, mixed), costs, how much you can borrow and how to choose the best option in 2026.

Taxes📌March 16, 2026 · 18 min

Spanish Renta concepts explained simply: base imponible, base liquidable, rendimiento íntegro, rendimiento neto and more

A clear guide to the key concepts of IRPF (Spanish personal income tax): rendimiento íntegro, rendimiento neto, rendimiento neto reducido, base imponible, base liquidable, base liquidable sujeta a gravamen, cuota íntegra, cuota líquida, cuota diferencial and more. Everything explained in plain language.

Taxes📌March 9, 2026 · 12 min

How taxation works in Spain: a complete guide to taxes

A complete guide to taxation in Spain: what taxes exist, how the Spanish tax system works, what IRPF is, and how it affects citizens.

Investing📌March 2, 2026 · 11 min

How to invest money in Spain step by step

A clear guide to getting started with investing in Spain. Learn how index funds, ETFs and pension plans work.

Savings📌February 23, 2026 · 13 min

Personal Savings Guide for Spain (Step by Step)

A complete guide to building stable savings in Spain: budgeting, emergency fund, goals, automation, and a 90-day action plan.

The 4 pillars of Finanzas Fáciles

Savings

Control spending, build a buffer, and follow a realistic savings plan.

Investing

Invest with a clear method, controlled risk, and long-term focus.

Mortgages

Make mortgage decisions with data: payment, term, rate, and total cost.

Taxes

Understand taxes in Spain to plan better financial decisions.