The comparator covers the financial behaviors that most directly shape long-term financial health. Each category draws on your own data and compares it to anonymized, aggregated peer benchmarks.
How consistently do you save? The comparator looks at your monthly savings rate, regularity, and how those figures compare to similar income profiles. Context without judgment.
Your debt-to-income ratio, payment consistency, and how your overall debt burden compares to peers at a similar life stage. Understanding the pattern matters as much as the number.
How does your expense-to-income ratio compare? The comparator breaks this down by broad category so you can see where your spending profile differs from similar households.
Liquidity coverage — how many months of expenses your accessible funds represent — compared against typical ranges for your peer group. A practical measure of financial resilience.
The Habit Comparator draws on aggregated, fully anonymized data from the FinanzaMétrica user base. No individual data is ever shared. What you see is a statistical picture of how similar profiles tend to behave financially.
You choose your comparison group. Filter by income bracket, household size, or age range to find the peer set that makes the most sense for your situation. The goal is relevance, not a generic average.
The comparator does not tell you what to do. It shows you where you stand. What you do with that information is entirely your own decision.
Access the ComparatorYour individual financial data is never shared with other users or third parties. Only you can see your specific metrics and comparison results.
Peer benchmarks are computed from aggregated data with full anonymization. No individual can be identified from the comparison data you see.
All data handling follows GDPR requirements applicable in Spain and the EU. You can request access to, correction of, or deletion of your data at any time.
EU Regulation