Our mission: To give you a clear view of your financial future in Spain
We all face important decisions: Can I retire earlier? Should I rent or buy a home? Could I work less to care for a child? Each one raises questions about your long-term financial future, but the answers are rarely clear.
neto.es helps you plan for these long-term decisions. It brings your financial life together in projections designed around the realities of living in Spain, including taxes, Social Security contributions, and public pensions. You do not need to be a financial expert to understand where you stand today, see where you may stand in the future, compare alternatives, and explore how each choice could play out before you decide.
Clarity does more than help you make better decisions. It can bring peace of mind, confidence, and a greater sense of control over your financial future.
The story of neto.es began with a challenge in my own life. I wanted to work less and create a business of my own, but that meant giving up some of the security of a steady job. Before taking that step, I needed to understand where I stood financially.
I tried online calculators and spreadsheets, but they only gave me part of the story. International financial-planning tools went further, but they were not designed for Spanish taxes, Social Security, or public pensions. None showed me what my financial future might look like.
That is why I decided to build the solution I could not find. With more than 20 years of experience in software development and financial data analytics, it felt like a natural next step.
The story took another turn when I started talking about the project with people around me. Many of them were struggling with similar financial questions. Their decisions were different, but their frustration was the same: they could not see how one choice might affect everything else over time. I realised this was not just my problem.
What began with one personal decision grew into neto.es, built to give people a clear view of their financial future in Spain.
Questions, ideas, or suggestions?
neto.es is still being built, and thoughtful feedback matters. If you have a question, an idea for making neto.es better, or want to share what financial clarity would mean for you, we’d like to hear from you.