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    Financial health

    Start taking care of your financial health. Here and now

    We share our financial knowledge and tools for you to make better decisions with your money and improve your finances.

    We help you find out how much money you should have in your account, what your maximum debt should be or how to invest to improve your finances. We want to help you achieve your life goals and have more peace of mind.

    Listen to the financial health podcast

    Wherever you are, listen comfortably to the best habits for saving and managing your finances daily.
    Go to the podcast

    A very simple journey that you will complete in 4 steps

    1. Control everyday expenses

    The first step is to know how to distribute your income

    Avoid your spending being higher than your income. Academic practice recommends that you distribute your income each month in this way:

    • 50% for fixed expenses.
    • 30% for variable expenses.
    • 20% for savings.

    Start by saving with what you can and make it a habit. In no time, you will be able to see the results and you'll know it has been worth it.

    Making decisions with your money is made easy with the BBVA app

    • Analyze your financial situation at a glance and see it however you prefer: By categories, dates or brands.
    • Create a budget for each type of expense and monitor it throughout the month.
    • Get all the information about your money. We will let you know whenever something happens outside the normal.

    2. Achieve your ideal savings

    A small effort today, huge peace of mind tomorrow

    Have you heard of the financial cushion? This is the amount of money available in your account to deal with unforeseen events. Ideally, you can pay your fixed expenses for 6 months if your income disappears.

    Your goal will be to allocate an amount each month, however small, to generating and maintaining that cushion.

    Have our tools in the app to build a habit of saving

    • Save part of your balance in a section of your account. That way, if you don't see it, you don't spend it.
    • Check everything related to your savings at a glance. This will make it easier to keep track.
    • Save a portion of your income automatically, either at the beginning of the month, at the end or with each purchase.
    • Set a savings goal and a date and we will be with you step by step until you reach it.

    3. Keep manageable debt

    Do you know how much it is manageable?

    Before you take on debt, consider whether it is manageable for you or not. As a general rule, the maximum debt you can take on shouldn't exceed 35% of your income. Apply this rule for financing products such as loans, mortgages or credit card financing.

    We help you to keep your debt and your limits under control

    • Understand your debt limit or your credit capacity in the Debt area.
    • Find out what kind of house you can afford without harming your financial health with BBVA Valora.

    4. Plan your savings for the future

    Here's the best bit: feel more free with your own finances

    Once you achieve your ideal savings and have your debt under control, it is time to try to make the most of your savings. Investing and managing your assets will help you achieve your life goals, achieve financial freedom and live more confidently in all stages of life.

    We want you to plan your future and your investments to live worry-free

    • Have a complete overview of everything you have in your accounts, investments or the value of your home; and everything you owe: loans or mortgages.
    • Find the most suitable investment for you according to your risk profile and your preferences.

    Whatever your financial health, the BBVA app helps you improve it

    Download the app
    Download the app
    Download the app

    Listen to the financial health podcast

    Would you like to learn more about financial health?