Inveriok
Retirement simulator: find out at what age you'll be able to retire
Inveriok combines your estimated Spanish state pension —based on your contributed years— with your own savings and investments, no digital certificate needed, to tell you at what age you'll be able to stop working and what monthly income you'll be able to maintain.
Three steps, zero spreadsheets
Enter your starting point
Your age, your current net worth and how much you contribute each month to savings and investments.
Adjust the assumptions
Change the expected return or the monthly spending you want to maintain and see the result instantly.
Check your retirement age
Inveriok calculates at what age your capital covers the monthly income you've defined.
How much do you need to save to retire?
Retirement in Spain depends on two sources: the Social Security state pension and your private savings and investments. Inveriok's retirement simulator calculates both together: it estimates your state pension from your contributed years and average contribution base (or a year-by-year table you can import), and combines it with the capital projected by your assets and net worth to give you a single combined monthly income.
The calculation has two parts: your state pension (contributed years and average base) and your private savings (current age, monthly contribution to savings and investments, and expected annual return). With that data, the simulator projects your capital year by year up to the point when, together with your estimated pension, it covers —or lets you sustainably withdraw— the monthly income you've set as your target for early or standard retirement.
Unlike Spain's official Social Security simulator, you don't need a digital certificate, Cl@ve or access to the Sede Electrónica: you enter your contributed years by hand and see it alongside your own real net worth —accounts, funds, stocks or other assets you record in Real-time investments— updated in real time. It's an indicative estimate, not a replacement for the official simulator. The sooner you start simulating your retirement, the more room you have to adjust your monthly savings before time stops working in your favor.
Everything you need, nothing you don't
- ✓Estimated retirement age based on your saving pace
- ✓Estimated state pension, no digital certificate or Cl@ve needed
- ✓Fully adjustable return and monthly spending
- ✓Projected capital and estimated monthly income
- ✓Connected to your real net worth and investments
- ✓Basic simulator included in the Free plan
Frequently asked questions
We combine your estimated state pension (contributed years and average base) with your net worth, your monthly contributions and the expected return, and project when that combined income covers the monthly spending you define.
Yes, adjust the annual return and instantly see how your retirement age and projected capital change.
Yes. We estimate your state pension from your contributed years and average contribution base (or a year-by-year table you can import), and combine it with your savings and investments into a single monthly income. It's an indicative estimate, not a replacement for Spain's official Social Security simulator.
No. Unlike Spain's official Social Security simulator, you don't need to identify yourself with a digital certificate, Cl@ve or access the Sede Electrónica — you enter your contributed years and average base by hand and see the result instantly.
Your security is our priority
We don't use Open Banking. We never access or store your banking credentials at any time.
All communication between the app and our servers uses HTTPS.
Row Level Security: no other user, not even with technical access to the system, can see your data without your credentials.
We comply with the European Union's General Data Protection Regulation.
No. Inveriok has no connection to your bank accounts — you enter transactions by hand or import a statement. We never access your credentials or act on your behalf.
Not without your credentials. The database uses Row Level Security: each user can only access their own data, not even with technical access to the system.
No. We never sell your data or share it for advertising purposes.
Your account and all your financial data are deleted immediately and permanently, with no backups — you can do it whenever you want from your profile.
Find out at what age you'll be able to retire
Simulate your retirement today. It's free and no card required.
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