Simulators. Banco de España vs Valua

Simulators is an app of Banco de España that allows you to perform quick and easy calculations related to banking products. When you enter the details of your loan or deposit, this app will calculate how much you need to pay, the interests receivable as well as some other useful information.

Valua is about your most valuable currency: time. It shows how many work hours each purchase costs and helps you make more conscious decisions about spending and income. Widgets • Life Countdown widgets in three sizes show remaining lifetime • Customize displayed time: exclude work, sleep, or custom activities • Set retirement date for accurate free time calculations • Real-time updates with progress indicators How it works • Money → hours of life: every expense shows its share of income and the work-time equivalent. • Reality-aware: inflation and exchange rates are factored into calculations and charts. • Clear visuals: income/time scale, salary trend, period-to-period comparison. Expenses • Three base categories: Want, Own, Owned. • Personal folders and 13 inflation categories (headline + 12 groups). • Subscriptions, goods, and services tracked with both money and time impact. Income • Work contracts in multiple currencies and periods. • Recalculation with inflation and FX (when base currency differs). • Salary chart to see if purchasing power is truly rising. Markets • Historical/current FX rates, popular cryptocurrencies, and precious metals. • Charts for currency pairs and category inflation for primary/secondary regions. Life Expectancy • Remaining-time estimate by sex, birth date, and region. • Custom life expectancy date option alongside calculated estimate • Configure work hours, sleep, and personal time for free time analysis • Add loved ones to appreciate shared time. Tools • New: Gross-Net Salary Calculator for Germany. -Calculate net monthly and annual income from gross salary. -Detailed breakdown of taxes and social contributions (Pension, Health, Care, Unemployment). -Visual charts showing the tax burden distribution. -Support for all Tax Classes, Church Tax, and Child Allowances. -Insights into Employer's total cost. • Convert time units to/from decimal. • Time-between-dates calculator. • PIN and Face ID/Touch ID protection. Privacy • All user data is stored on device, no third-party sharing, no cross-device sync. • No ads. Getting started • In Settings, set net income, work time, currency, and region; enable the income/time scale. • Use the Calculator (Settings → Taxes) to compute your precise net income. • Add Life Countdown widgets to your home screen for daily reminders. • Add expenses to see their cost in hours of life. • Create a contract in Income to track real trends with inflation and FX. Disclaimer: Valua is not financial advice; it's a visualization and self-reflection tool. Terms of Use (EULA): https://gist.github.com/silencepeaceoff/09f7c3590815114c8fcd779e0ac6f121 Privacy Policy: https://gist.github.com/silencepeaceoff/cf38abf1f5d0ad01f00a37f6c7bc68d7