When could you stop working?

See what you could receive and test real decisions: stop working earlier, reduce your hours or spend more on what matters to you.

Neto brings your full financial situation together to show how your income and net worth could change.

Create my plan View an example plan

A man in his late fifties sitting calmly with a mug on a sunlit terrace — EXAMPLE OF A PERSONAL PLAN
You could stop working at 61
Your savings would cover the 6 years until your public pension starts
You would keep a buffer for unexpected expenses

How does neto.es arrive at this answer?

Thousands of calculations. One clear answer.

neto.es projects month by month how your income, expenses, savings, investments, property, taxes, contributions and pensions could evolve, consistently applying the Spanish rules it has modelled. This gives you a clear view of how your financial future could unfold and lets you test how different decisions could change it before you decide.

See your whole retirement in one picture.

Salary, savings, investments, property, private pensions, taxes and the public pension all matter at different times. Neto brings them onto one timeline, showing how each stage is funded and how one decision changes what comes later.

Because every plan is different, Neto gives you a personal answer based on your whole financial picture: when you could stop working, what you could spend and whether your money could last.

Build and evaluate your plan in three steps

Neto turns a complex financial situation into a simple process: understand where you are, shape your decisions and see how the outcomes change.

1. Bring your complete current situation together

Income, spending, cash, investments, private pensions, property and debts form one shared starting point. Every alternative is evaluated using the same information.

A compact Neto summary combining income, spending, assets and debts into one starting point

A Neto retirement plan showing work, private pension contributions and future withdrawals

2. Shape your retirement plan

Explore a wealth of possibilities for planning your financial future: when to stop working or reduce your hours, how much to invest in stocks, ETFs or funds, when to draw on your private pension, and whether to buy, sell or rent out property. Adjust your spending and choose which savings to use first. Neto brings all these choices together into one connected retirement plan.

3. Check the result and compare alternatives

See whether the plan meets your requirements, follow how your net worth could evolve and compare what changes if you make a decision earlier or later.

A Neto plan conclusion over a net worth comparison for two retirement scenarios

Your retirement plan, now conversational.

If you’d like, connect ChatGPT to neto.es and describe in your own words what you want to set up, compare, or understand. ChatGPT can help you compare different retirement ages, understand your public pension options, review how to fund the bridge years, or see what the results say about whether your plan is feasible.

neto.es is the financial engine behind the conversation. It keeps your retirement plan structured, consistently applies the Spanish financial and tax rules it models, and performs the calculations for your plan. This keeps the projections consistent and reliable.

It is a powerful combination: the ease of a conversation and the strength of a financial engine. This lets you quickly build a model of how your retirement could unfold and focus on what really matters.

Take control of your retirement plan.

Peace of mind does not come from predicting the future, but from having thought it through, compared the options and put the plan to the test. With Neto, you can build a plan you understand, keep it under your control and continue adjusting it as your life changes.

Your plan, always under your controlYou can do it yourself: review the information and assumptions, change your decisions and compare again as often as you need.

Your retirement is more than the public pensionSee how savings, investments, a private pension, property and other income could fund the bridge years if you stop working before your public pension begins.

Spanish rules built into the calculationNeto consistently applies the Spanish rules it models and calculates how the public pension, income tax and contributions affect your plan.

Plan your wayWork directly in the planning workspace. If you prefer, connect ChatGPT to help you build, compare and understand the plan.

Build your own retirement plan

Bring your income, spending, pensions, savings, investments and property together. Test when you could stop working, and see what each choice changes.

Start planning View an example plan