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.
- ✓Unlimited transactions and Excel import
- ✓Budgets and categories
- ✓Savings, goals and net worth
- ✓Income statement and balance check
- ✓Investment portfolio with daily prices
- ✓Everything in Free, plus:
- ✓Real-time prices for stocks, ETFs and crypto
- ✓Comparison with indices (S&P 500, MSCI…) and opportunity cost
- ✓Unlimited future money and retirement simulation
- ✓Net-worth simulation with multiple scenarios (optimistic, base and pessimistic)
- ✓Detail for each holding: P/E, market cap and earnings
- ✓Dividends: calendar, forecast and breakdown by company
- ✓Calendar of upcoming payments (dividends, installments and due dates)
- ✓Breakdown by type, sector and region of your portfolio
- ✓Unlimited goals with estimated date and projection
- ✓Priority support
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