So I set the setSize(500,500).. add some panels, the sum of panels Y is 500 like the JFrame but executing it shows an count Y of 525 am I missing something?
JPanel panel = new JPanel();
panel.setLayout(null);
getContentPane().add(panel);
//--------------------
JPanel top_panel = new JPanel();
top_panel.setLayout(null);
top_panel.setBackground(Color.blue);
top_panel.setBounds(0, 0, 500, 40);
panel.add(top_panel);
//------------------------------
JPanel middle_panel = new JPanel();
middle_panel.setLayout(null);
middle_panel.setBackground(Color.yellow);
middle_panel.setBounds(0, 40, 500, 385);
panel.add(middle_panel);
//-----------------------------
JPanel bottom_panel = new JPanel();
bottom_panel.setLayout(null);
bottom_panel.setBackground(Color.black);
bottom_panel.setBounds(0, 425, 500, 75);
panel.add(bottom_panel);
setSize(500,500);
setDefaultCloseOperation(EXIT_ON_CLOSE);
setResizable(false);
setLocationRelativeTo(null);
40+385+75 = 500 but to show all the panels i must
setSize(500,525);
then it fits
here's an image: