Chapter 4 · Intermediate
Money & Taxes 💰
Your first payslip, your first tax return, your first savings account. Nine conversations about the financial realities of living in Spain.
Grammar focus
Futuro simple — ganaré · then: Condicional — ganaría · endings: -ía · -ías · -ía · -íamos · -íais · -ían
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Step 1
Your First Payslip
Understanding what you actually earn.
Start → 🏦
Step 2
A Savings Plan
Setting money aside the Spanish way.
Start → 📋
Step 3
Your Tax Return
The dreaded declaración de la renta.
Start → 🏛️
Step 4
A Visit to Hacienda
Face to face with the tax office.
Start → 📊
Step 5
Your Monthly Budget
Making the numbers work.
Start → 💳
Step 6
Salary & Bonuses
Pagas extras and what you're owed.
Start → 🏥
Step 7
Health Insurance
Going private in Spain.
Start → 🔐
Step 8
Pension & Contributions
Cotizaciones, years and your future.
Start → 🎯
Step 9
Your Financial Goals
What do you want your money to do?
Start →