Compare the net return of an index fund versus a Spanish pension plan. Calculate the real income tax saving of contributing to the plan, the fees and the exit taxation.
Index Fund vs Pension Plan Calculator
Compare the real returns of an index fund versus a Spanish pension plan.
€
General contribution limit for personal plans: €1,500 a year and never more than 30% of your net employment and business income (art. 52 LIRPF). Workplace plans and self-employed plans have additional limits of up to €8,500 and €4,250.
%
Index Fund
Invests: 1.122 €/año(net equivalent)
%
Pension Plan
Invests: 1.500 €/año(gross)
%
Index fund at 40 years
212.763 €
Pension plan at 40 years
232.143 €
Retirement Phase
€
€
What you withdraw from the plan is taxed as employment income together with your public pension, under your region's general income tax scale (art. 17.2.a LIRPF). Today's scale is used, not adjusted for inflation.
Annual net from fund (year 1)
9.781 €
Annual net from pension (year 1)
8.401 €
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First version of the index fund vs pension plan calculator. Compares net returns after 40 years of accumulation and retirement phase with real Spanish taxation.