Neto.es builds a complete picture of your financial situation across all your assets, then shows you how it will develop over the long term (5, 10, 20+ years). Use it to see if you're on track, and use advanced modeling to see how important financial decisions will play out.
Neto.es brings together everything you own, owe, earn and spend, from savings, investments and property to debt and the public pension rights you've built up. One complete picture shows you exactly where you stand before you project what comes next.
Whether it's retirement planning, real estate strategy, investment or time off work, Neto.es lets you model your decisions and how they will affect your financial future.
Compare how different stopping ages affect your net worth, contribution history and public pension.
€1,097,803€1,257,117
37 years 4 months40 years 4 months
€3,183 / month€3,463 / month
Compare how renting long term, offering short-term stays, selling or changing how you use a property could affect its income, costs, taxes and your long-term net worth.
€1,097,805€1,377,022
€20.4k€60.9k
€936,799€1,060,073
See how redirecting part of your monthly spending into regular investments can compound over time and strengthen your net worth, both before and after you stop working.
€1,097,805€1,263,884
€424,824€525,596
€936,799€1,046,901
Compare returning to work with childcare against taking protected childcare leave, including the effect on net worth, contributed years and public pension.
€483,869€418,856
33 yrs 8 mos33 yrs 8 mos
€2,660 / month€2,660 / month
MODEL COVERAGE · SPAIN
Forget small isolated inaccurate calculators. Neto.es connects your income, taxes, pensions, investments, property and debt in one integrated long-term model built for Spain.
General and savings bases, regional and foral tax bands, personal and family minimums, and individual or joint filing.
Contribution groups, minimum and maximum bases, MEI and solidarity contributions, with estimates or official Vida Laboral and Bases de Cotización reports.
Qualifying contribution days, two-years-in-fifteen eligibility, retirement age, base reguladora methods, pension caps and voluntary early-retirement reductions.
Savings interest, dividends and fund distributions; FIFO acquisition lots, realised gains and same-year loss compensation.
Contributions and IRPF reductions, investment growth, withdrawals taxed as general income, and retirement drawdown planning.
Purchases and sales, long- and short-term rental taxation, depreciation, deductible mortgage interest, and fixed or Euribor-linked debt.
Salary changes, one-off employment payments, paid birth and childcare leave, unpaid childcare leave, and protected contribution bases.
IPC and SMI, salary and spending growth, investment returns, property and rental growth, pension revaluation, contribution-base growth and Euribor.
You can also use Neto.es with ChatGPT. The result is conversational financial planning you can rely on: your information stays structured and easy to update, every scenario uses consistent assumptions and calculation rules, and the numbers behind each answer remain visible and traceable.
“I am an IT engineer in Madrid earning €45,000 gross a year. My household expenses are about €2,900 a month. I have €18,000 in cash, a €15,000 ETF, an €85,000 private pension and a rental flat worth €155,000 with €20,000 left on the mortgage.”
I have structured that information in your plan, where you can review each item in Current situation.
As a next step, could you add your Social Security employment and contribution history? This will help the financial engine estimate your public pension from your recorded contribution bases.
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See the information stored in your plan.
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Learn about privacyBuild your plan in Neto.es, test the decisions ahead, and understand how each choice could affect your financial future over 5, 10 or 20+ years.