All your money, clear and under control.
Track spending, savings and debts, and follow your investments with real-time prices. On the web and on your iPhone.
How much do you earn and save vs Spain?
Find out your salary percentile for your age and how your savings rate compares to the Spanish average. With data from the INE and the Bank of Spain.
Take the free test →All your money, in one place
From basic expense tracking to serious investment-portfolio monitoring.
It's not just about investments. It's making smart money decisions.
Inveriok brings together your transactions, budgets, savings, debts, net worth, retirement and investments — and tells you, with your real numbers, what you can afford and when.
Can I afford it? And when?
Project your money months or years ahead using your real income and spending pace. It subtracts loan payments, respects your emergency fund and tells you how much you'll have on each date.
- ✓Cash available today and projected
- ✓Average net cash flow per month
- ✓Adjusted for CPI and estimated inflation
See today what your retirement will look like
Choose which savings and investments you'll use for retirement, set your age and expected return, and estimate your monthly income combining public pension and your assets.
- ✓Estimated monthly retirement income
- ✓Public pension + your investments
- ✓Scenarios based on expected return
Upload your bank's Excel and forget about it
Import your bank statement and it categorizes itself. Every transaction feeds your balance, your budget and your income statement — income, expenses and net result, always reconciled.
- ✓Bank Excel import
- ✓Automatic categories and subcategories
- ✓Income statement and savings rate
The car. The house. Japan. When?
Set a goal and its amount: Inveriok calculates the estimated date from your real savings. No wishful thinking — with your numbers.
How it works
Three steps to stop guessing and start deciding.
Everywhere, your way
The same app on the web and on your iPhone, always in sync. Light and dark mode, and in Spanish, Catalan and English.
Start free. Grow when you want.
A free plan to take control and a premium plan to get the most from your investments.
- ✓Your money at a glance: balance, income, expenses and savings rate
- ✓Unlimited transactions and bank import (Excel/CSV)
- ✓Budgets by category with alerts
- ✓Income statement: your income and expenses organized
- ✓Balance check (warns you if something is missing)
- ✓Savings and goals — up to 2 goals
- ✓Investments with real-time prices — up to 3 assets
- ✓Debts and loans with a payment schedule
- ✓Mortgage simulator
- ✓Weekly summary and payment reminders
- ✓Everything in Free, plus:
- ✓Unlimited savings goals and investments
- ✓Portfolios with contributions and real return (IRR), compared with indices
- ✓Property and other assets, and your net worth over time
- ✓Personal cost: what each expense costs you in work hours
- ✓«Finance or pay cash?» comparison
- ✓«Can I afford it?» simulator
- ✓Calendar of upcoming payments (dividends, installments and due dates)
- ✓Financial advisor: analysis and tips on your numbers
- ✓Retirement: project your pension and savings
- ✓Income tax: prepare your return
- ✓Cash simulation: project your money into the future
Start controlling your money today
You'll finally understand —really— how much you have, how much you owe and how much it grows.
Start free