About us

Who's behind it

Calculadoras Financieras was created by Raúl Vaquerizo, a software engineer specialized in financial systems with experience in backend development and data application architecture. Since 2024, he has spent time building personal finance tools that meet two standards: (1) verifiable mathematical accuracy, and (2) full transparency about sources and assumptions. Each calculator was personally designed, coded, and validated - from the calculation logic to verifying results against official regulations.

Methodology and verification process

Each calculator is built following a rigorous process: (1) Official formulas are defined by cross-checking Spanish regulations (BOE, Tax Agency, Social Security) against technical documents. (2) The logic is implemented in code and tested against real examples - not just ideal cases. (3) Each tax/labor parameter is documented with its official source and last verification date. (4) Dynamic values (such as the Euribor) are updated directly from official Bank of Spain APIs, rather than fixed values. The IRPF calculator, for example, applies the current tax brackets and contribution rates drawn from the 2026 General State Budget regulations, with references to the BOE.

Quality assurance

Each calculator is tested against known cases: real-world mortgage examples, payslips published by the AEAT, severance payments resolved in labor court rulings. It is also validated against other reference sources (CaixaBank, BBVA simulators, etc.) to detect discrepancies. The code is version-controlled on Git with a change history, which allows for auditing and reproducibility.

Continuous content updates

We monitor legislative and market changes. When parameters change (SMI, SS rates, IRPF), we update our tools. We keep a documented change history for transparency. Users can check when each page was last updated.

Editorial independence

The calculators are free and require no sign-up. The site is funded solely through contextual advertising (Google AdSense), which appears below the tools, not integrated into the calculation results. Advertising does not influence the numerical results of any calculator: a result is exact regardless of whether ads are loaded or not. The data we cite in articles (IRPF rates, contribution rates) comes from public sources, not from bank or insurer recommendations. If an ad happens to be relevant to the user, it's due to targeting coincidence, not commercial influence over the content.

Errors and improvements

If you spot an error in a formula, outdated data, or an incorrect source, contact us from the contact page with a description of the issue and reference data if possible. Errors are fixed within 48 hours and the correction is documented in the change history.

Disclaimer

Although the content is verified with rigor, the results of these calculators are indicative and do not replace professional tax, labor, or legal advice. Complex situations (special collective agreements, atypical deductions, changes in tax residency) may require consultation with a certified labor advisor, lawyer, or tax advisor.