1
Capture your current situation
Build your canonical starting point directly in the workspace, or use neto.es from a connected AI host for conversational guidance.
Personal financial planning for Spain
neto.es calculates long-term projections of your financial future, so you can compare options before making financial decisions.
USE CASES
Financial engine for Spain
Your situation
IncomeExpensesAssetsDebt
Taxes and contributions
IRPFSocial SecurityPublic pensionCapital gains
Future decisions
HousingPurchasesFIFO salesPrivate pensions
Assumptions
IPCEuriborSalaryRent
Calculation engine for Spain
At the core of neto.es is a calculation engine built for Spain. It combines the Spanish rules that matter with your real data: income, IRPF, Social Security, public pension, housing, investments, debts, and liquidity in one monthly model. Each decision flows through the rest of the plan, because the result depends on how all the pieces evolve together over time.
For example: contributing more can reduce your financial room today, but improve your future public pension; buying a home can increase net worth, but leave less cash to invest; drawing from a private pension can cover a shortfall, but increase IRPF. neto.es connects those consequences in one projection, so you can see the full long-term effect.
For you, that means a reliable financial projection, with numbers you can trust as a basis for making decisions.
Simple flow, serious planning model.
One current situation. Multiple scenarios. Month-by-month cashflow, pension timing, net worth, and first-failure-year clarity.
2
Build scenarios
Add structured scenarios with assumptions and planned changes like buying a home, retiring earlier, changing housing strategy, or investing your monthly surplus.
3
Compare futures
Compare month-by-month outcomes, milestones, pension timing, net worth, and the first failure year before committing to a plan.
Your financial plan, now conversational.
Connect ChatGPT to neto.es and describe what you want to set up, understand, or compare in everyday language. It can guide the details, create scenarios, make changes and explain the trade-offs while the live workspace keeps your financial plan visible, structured and under your control.
Could I retire two years earlier without running short of cash?
Let's compare that. I’ll check what is missing, create the scenario and explain the result in plain language.
Your current financial planReady to inspect and edit
Ask in your own words
You do not need to translate a life decision into financial-model fields or become a financial specialist first.
Turn questions into scenarios
ChatGPT can help complete the setup, change assumptions and model alternatives in the structured neto.es plan.
Understand every result
Review the updated plan in the workspace while ChatGPT explains what changed, why it matters and what to compare next.
Test the plan before life tests it.
A projection is only useful if you can ask what happens when the future is less convenient than expected. Try lower investment returns, higher inflation, a later home purchase, a salary change, or a larger cash buffer, then compare the result side by side. Stress testing helps you see whether a plan is robust, where it becomes fragile, and which assumptions matter most.