Initial analysis
Analyze your financial situation at a glance and see it however you prefer: By categories, dates or brands.
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.
A very simple journey that you will complete in 4 steps
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
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Spending goals
Create a budget for each type of expense and monitor it throughout the month.
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Relevant messages for you
Get all the information about your money. We will let you know whenever something happens outside the normal.
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
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Sections
Save part of your balance in a section of your account. That way, if you don't see it, you don't spend it. -
Savings
Check everything related to your savings at a glance. This will make it easier to keep track. -
Set up your account
Save a portion of your income automatically, either at the beginning of the month, at the end or with each purchase. -
Savings goals
Set a savings goal and a date and we will be with you step by step until you reach it.
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
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Understand what your debt entails
Understand your debt limit or your credit capacity in the Debt area.
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Find out what kind of house you can afford
Find out what kind of house you can afford without harming your financial health with BBVA Valora.
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
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Assets
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.
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BBVA Invest
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
Listen to the financial health podcast
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04:24
Tools and methods to manage debt the right way
To manage your debt: organize, combine, and use methods like the “avalanche” or “snowball”. Rely on apps to track spending.
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05:09
Pay all at once or finance. How to choose the best option
Understanding whether to pay all at once or finance is essential to taking care of your money and making decisions that benefit you.
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04:06
Differences between credit and loan
Choose between a loan or credit based on your needs, terms, interests and borrowing capacity. Check the options available.
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05:48
Improve my investments
Having clear objectives, diversifying, and making the most of technological tools will help you invest with more confidence and achieve better results.
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04:25
Status of my investments
Planning, diversifying, and tracking investments regularly, considering risks, time horizon, and tools such as BBVA "Investments".
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05:42
Steps for investing
Invest in a strategic and diversified way to accomplish your financial goals with lower risk and higher profitability.
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05:13
How to incorporate automatic rules into your day-to-day finances
Technology makes it easier to save with automatic tools, discipline and planning, like with kids and piggy banks.
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05:08
Controlling spending and saving, two sides of the same coin
In our everyday economic life, we must deal with a series of spending and saving habits that are at odds but inseparable.
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04:49
Keys to improving your way of spending
Reducing expenses requires patience, perseverance, and time to analyze what we really spend our money on every month.
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05:56
Find out how your income and expenses are linked
Being aware of income and expenditure is very effective for having healthy finances and prepared to deal with unforeseen events.
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04: 23
Automate savings and control spending
Technology can be very useful for developing certain habits that positively affect your finances.
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05:50
Design a savings plan with milestones
A savings plan with milestones is a powerful tool that can help us reach those goals and also deal with unexpected events.
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5:03
How to develop a savings habit
Incorporating savings into our daily routine can be simple when we focus on making small, consistent changes.
