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.
Tools · Free, no sign-up
Calculators
Calculations that happen in the browser with the data you enter, with no accounts and no sign-ups. They help you plan a savings goal, measure the cost of a product, work out a payment, see a range of results instead of a single figure, compare what it costs to rotate an investment or find out what is left at the end of the month after expenses.
18 calculadoras
What do you want to work out?
Cada línea es una duda tal y como llega. La respuesta es un supuesto sobre datos pasados, no una previsión de resultados futuros.
Saving and planning
Investment
Mortgage and housing
- I do not know how much I will pay each month with a mortgage.
- I do not know whether renting or buying works out better for me.
- I do not know how much they would lend me for a house.
- I do not know what costs buying a home has apart from the mortgage.
- I do not know whether a fixed or a variable mortgage suits me better.
- I do not know how much my payment will rise when I review the mortgage.
- I do not know whether paying it off early is worth it.
Saving and planning
Cuánto se puede tener apartado, cuánto falta y a qué ritmo llegar.
Emergency fund
How much money the months of expenses you choose to keep set aside come to, and how much is left to complete them. Free and with no sign-up.
Savings goal: how much to contribute each month
The monthly contribution needed to reach a savings goal within a given period. Free and with no sign-up.
Financial independence
How many years it takes for your assets to cover your annual spending at the withdrawal rate you set. 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.
Investment
Coste, recorrido y resultado de un capital con tus propios supuestos.
Compound interest with inflation
What a savings plan with a monthly contribution will be worth in a few years, in nominal euros and in today's euros. Free and with no sign-up.
Cost of fees
What the difference between two management costs on the same investment amounts to in euros. Free and with no sign-up.
Monte Carlo: the range of an investment
A thousand possible paths for an investment with your assumptions and their range: percentiles 10, 50 and 90. Free and with no sign-up.
Funds versus ETFs: what rotating costs
What it costs in euros to sell and reinvest several times versus holding an investment without rotating it. Free and with no sign-up.
Mortgage and housing
La cuota de un préstamo, lo que cuesta mantenerla y cómo se compara con alquilar.
Mortgage payment
The monthly payment on a mortgage loan and its amortisation schedule, month by month, with your own data. Free and with no sign-up.
Renting or buying a home
The net worth of buying a home versus renting it and investing the difference, month by month and with your own assumptions. Free and with no sign-up.
How much they will lend me for a home
The property price your payment, your savings and your term get you, with the two binding limits shown in plain sight. Free, no sign-up and no sending of your data.
Costs of buying a home
The taxes you pay when buying a home in each autonomous community, with the price as the hypothetical base and the rule alongside. Free and with no sign-up.
Fixed or variable mortgage
Two payments on the same loan, one at the fixed rate you type and another at the official Euríbor plus the spread, with the cost difference over the whole term. Free, no sign-up.
Review of a variable-rate mortgage
The payment left after the review of your variable-rate mortgage and how much it changes per month and per year. With the official Euríbor from the Banco de España. Free and with no sign-up.
Paying off a mortgage early
How much money you save by paying off your mortgage early, whether you cut the payment or shorten the term, with the legal cap on fees. Free and with no sign-up.
Dato oficial de referencia: Euríbor oficial (dato del mes) — lo que usan las revisiones de hipoteca variable.
Debts
Cuánto cuesta un saldo que se paga a plazos y en qué orden se pagan las deudas.
Snowball or avalanche
Compares the months and the interest it costs to pay off debts by paying the smallest or the most expensive one first. 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.
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.
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.