Five minds. One portfolio. Zero noise.
Five minds
A portfolio
Zero noise
Ask in plain language. Elisa puts it in circulation across the team and Cerebro answers with sources, limits and cost. And it gives a verdict, not an «it depends».
History of this desk
Elisa is an artificial intelligence, not a person. Her answers are generated by an AI model.
This is general analysis and not a personalised investment recommendation. The person who invests is the one who decides. The chat may search the internet when the vault does not know the answer (a figure from today, a recent news item); those internet sources nobody has reviewed them and they may be incomplete or wrong, so check them before acting. The five profiles that sign the answers (Elisa, Jorne, Carlos Bárez, Daniel Ferrer, Inés Torres) are specialisms of one single automatic system: they are not people nor registered advisers.
Tools
Note down your positions and watch how they do. Without an account they are stored only in this browser; with an account, they sync across devices.
What leaves your browser
When you ask in the chat, the text of the question and the history of that conversation are sent. If you have saved reading preferences, the vocabulary level and the depth are sent too. Your saved positions they are not attached to the chat; the portfolio and the scenarios use them in their own sections. That is why answers are general and not personalised: Cerebro is not financial advice. Avoid writing personal or financial data that is not needed. The securities search sends the search text and price queries send the symbols. See the privacy policy to find out which providers there are and what else is used.With your session signed in, positions are are stored in your account: they sync across devices and are deleted with the account. Type the name or the ticker and pick from the list so we know exactly which security it is and which exchange it trades on.
Load portfolio from text
One position per line: TICKER [shares] [price]. The comma works as a decimal point. Repeating a ticker updates it.
Your portfolio starts with one position. Add a security at the top and, if you want, the shares and the entry price.
Scenarios
Two hypothetical accounts with the assumptions you set. They do not predict the market nor rely on your portfolio: they show what what you type implies. If a figure is missing, the screen says: n/a and why. Never a zero that can be read as data.
Search by title or subject; not inside the notes.
Debts
Snowball or avalanche
Two orders for paying off debts, the same account run twice.
What it does
It spreads the monthly euros you declare across all of your debts: first it pays the minimum on each one and then applies whatever is left over. What changes between the two simulations is which debt that surplus goes to. In the snowball it goes to the smallest one; in the avalanche, to the one with the highest rate. The result is two terms and two totals of interest, along with the difference between them.
Key concepts
- Snowball: pay off the smallest debt first. Every debt that is settled releases its minimum payment, and that money goes to the next one the following month.
- Avalanche: pay off the most expensive debt first. It concentrates the surplus where the interest per euro paid is highest.
- Minimum payment: what the lender demands each month in order not to consider the contract in default. It does not amortise anything on its own, but it is money that already leaves your pocket.
- Budget: the euros that go to debts each month, not the ones that come in. With less than the sum of the minimums the account has no solution and says so.
- Settling a debt: here that means bringing the balance below one hundredth of a euro. Lenders usually require the closure and the settlement of interest up to that date.
Frequently asked questions
Which of the two is better?
It depends on the motivation of each person, and that is why the calculator shows both accounts and does not choose. Someone who needs to see a debt that is already settled fall notices the progress sooner with the snowball. Someone who looks at the interest column sees a lower cost with the avalanche. They are two ways of getting to the same place with the same money, and the difference is measured in months and euros, with no judgement attached.
How many debts can I enter?
Up to six. The first three are filled in with the sample data; from the fourth to the sixth the fields are collapsed and only open if you have that debt. An empty balance field is ignored, just like a 0.
What happens if I leave a debt half-done?
A debt exists when its balance is greater than zero. If you enter the balance, the annual rate and the minimum payment, those are all mandatory: the calculator warns you about the missing field instead of assuming a value.
And if my budget does not cover the minimums?
The account throws an error stating the sum of the minimums. With a budget that exactly matches the minimums the balance does not fall, and the result comes out as "With this budget the debts do not fall": that is what really happens.
Where do the interest payments come from?
From an assumption: balance multiplied by the annual rate and divided by twelve, added to the balance before the payment is collected. The rate you enter stays constant throughout the account, and the field says so. A revolving card or a variable-rate debt will change rate, and the projection would fall short.
What limits do the fields have?
The budget runs from 1 to 100.000 €, the balances from 0 to 1.000.000 €, the annual rates from 0 to 60 % and the minimum payments from 0 to 100.000 €.
Can I share the link with my balances?
No. Balances are the numbers that identify a person in real life, so the calculator does not write them into the browser address. The fields come from the description, not from the URL.
How long does the simulation take?
Up to 1.200 months, one hundred years. It is a safety cap: no combination of the inputs on this page needs to get that far in order to settle, and an infinite loop would hang the browser.
Related calculators
Debt consolidation: what it costs
What it costs in total to bring several debts together into a single loan, with the opening fee and the financed expenses inside. Free and with no sign-up.
Monthly budget
How much is left at the end of the month after subtracting your fixed and variable expenses from your income, with the balance rate and the annual equivalent. Free and with no sign-up.
Revolving card: how long you take to pay it off
How many months and how much interest it costs to pay off the balance of a revolving card with a fixed payment or with a percentage. Free and with no sign-up.
Your account
Your portfolio and your saved notes, also on your other devices. Without an account you can keep using the portfolio in this browser. When you delete your account, the associated data is deleted too.
You can also sign in with Google.
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Adjust how we explain it to you
Two optional questions: your vocabulary level and your preferred depth. They are used to adapt the explanation. We do not ask about amounts of money and we do not run a suitability assessment. The answers are generated by the system and may contain errors; these preferences do not guarantee that the result is identical in every case.