pension_playground_example
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money8,000.00 €8000 is the yearly maximumtributación general 2017 Cataluña
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years1010 years is the minimum now under special conditions
Base liquidable
Resto base liquidable
Cuota íntegra
Tipo estatal
Tipo autonómico
Tipo Total
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current IRPF tax bracket37.00% - € 5,500.00 € - € 0.0%12.0%12.0%
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IRPF tax bracket at the end26.00% 5,500.00 € 6,950.01 € 660.00 € 9.5%12.0%21.5%
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pension cost0.47%indexa = 0.6% + ETF cost 12,450.01 € 5,257.20 € 2,154.25 € 12.0%12.0%24.0%
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fund/ETF cost0.14%will be more in practice as there are fees 17,707.21 € 2,492.80 € 3,415.98 € 12.0%14.0%26.0%
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Assumed yearly returns8.00% 20,200.01 € 12,807.20 € 4,064.11 € 15.0%14.0%29.0%
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Assumed yearly inflation2.50% 33,007.21 € 992.80 € 7,778.20 € 15.0%18.5%33.5%
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fund/ETF gains tax bracket19.00% 34,000.01 € 19,407.00 € 8,110.78 € 18.5%18.5%37.0%
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53,407.01 € 6,593.00 € 15,291.37 € 18.5%21.5%40.0%
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brutto no pp (inflation adjusted)13,484.90 € 60,000.01 € 10,000.00 € 17,928.57 € 22.5%21.5%44.0%
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netto no pp12,442.77 € 70,000.01 € 20,000.00 € 22,328.57 € 22.5%21.50%44.0%
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90,000.01 € 30,000.19 € 31,128.57 € 22.5%21.50%44.0%
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Brutto tax saving (inflation adjusted)
4,735.58 €you get paid one year later the tax saved money 120,000.20 € 44,328.66 € 22.5%23.5%46.0%
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netto tax saving4,398.22 €
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Brutto pp9,542.51 €tributación plusvalias del ahorro
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total pp13,940.73 €
Base liquidable
Resto base liquidable
Cuota íntegra
Tipo
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pp advantage (inflation adjusted)
1,497.97 € - € 6,000 € - € 19%
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6,000 € 50,000 € 1,140 € 21%
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50,000 € 10,380 € 23%
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