About Ratio Planning
A quantitative layer between intuition and private banking
We build serious, accessible financial analysis for professionals with saving capacity who deserve more than spreadsheets and informal opinions.
Mission
Why we exist
The Spanish financial sector leaves an entire segment uncovered: savers with €50–250k sit above robo-advisor ambitions and below private banking thresholds. Important wealth decisions end up made with incomplete criteria.
Ratio Planning adds an independent quantitative layer over concrete decisions — buying a property, reviewing a portfolio, planning wealth — with explicit metrics, scenarios and assumptions.
Principles
How we work
Quantitative
Every report rests on data, metrics and scenarios. No intuition for sale.
Independent
We do not earn commissions on real estate, mortgages or investment products. We charge for analysis.
Honest
A good report also tells you when a deal does not work.
Team
A small team with financial and technical judgement
Ratio Planning combines experience in quantitative finance, investment modelling and product development. We work remotely from Spain and Catalonia.
The team operates under Ratio Planning SLU, a Spanish company, initially focused on the Iberian market.
Trajectory
Ratio Planning milestones
A short, honest, verifiable roadmap. No hype.
2023
Origin
We spot a clear gap: savers with €50–250k with no access to independent quantitative analysis.
2024
Research and prototype
We build the modelling engine, calibrate it with real Spanish market data and validate the methodology.
2025
Ratio Property Plan launch
First product: quantitative analysis of home-buying decisions with an actionable report in minutes.
2026
Wealth roadmap
We extend to Portfolio Plan and Wealth Plan: investment portfolios and full wealth planning.
Values
Four red lines
What we won't negotiate, even at the cost of fewer clients.
No third-party commissions
Our only revenue is from the client. Zero conflicts of interest with banks, brokers or developers.
Data before narrative
If the numbers don't support it, the report says so. We don't manufacture optimism.
Open methodology
We publish assumptions, sources and formulas. Any other analyst can reproduce every calculation.
Real privacy
Your data is not sold or shared. GDPR support and one-click deletion.
Scope
Clear scope of what we are and are not
What we do
- +Independent quantitative analysis of concrete wealth decisions.
- +Reports with KPIs, scenarios, stress tests and alerts.
- +Explicit methodology and documented assumptions.
What we are not
- −We are not MiFID II financial advisors.
- −We do not sell properties, mortgages, insurance or investment products.
- −We do not decide for you. We give you information so you can decide.