JubilaME

What JubilaME does

JubilaME, operated by SILVER ECONOMY PLANNING, S.L., is a Spain-based consumer fintech focused on retirement and pension planning for Spanish middle-class individuals. The company's core offering is a free, web-based planning platform at jubilame.com that guides users through age-segmented pathways (under 30, 31–40, 41–50, 51–64, 65+), an interactive retirement planner, and an educational content library covering the Spanish pension system (jubilación, viudedad, orfandad, incapacidad), savings optimization, and financial wellbeing topics. Built on standard web technologies with WooCommerce-based e-commerce for paid services, the platform monetizes via a freemium-to-paid conversion funnel.

The company's revenue model is built around its sub-brand AsesoraME, a tiered premium advisory subscription service offered in Bronze (€180–€300), Silver (€360–€540), and Gold (€540–€780) levels. Pricing varies by customer type (employee versus self-employed), with Silver and Gold tiers offering unlimited queries and a 48-hour response commitment covering pensions, labor, tax, and inheritance/succession matters delivered by in-house legal advisors via phone (910 488 737), web contact form, and e-commerce checkout. The distribution strategy combines content marketing, organic social (Facebook, LinkedIn, Instagram, X, TikTok), SEO, and an ecosystem of nine brand endorsement relationships with Spanish financial institutions including Dunas Capital, N26, MyInvestor, COBAS, and others. The company was founded in 2023, is headquartered at Paseo de Recoletos 5, Madrid, and operates with 1–10 employees as a private entity.

Name

JubilaME

Legal name

SILVER ECONOMY PLANNING, S.L.

Website

https://jubilame.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

JubilaME is a Spain-based consumer fintech that helps Spanish middle-class individuals plan retirement and pensions through a free web platform and a paid tiered advisory subscription service (AsesoraME), targeting five age cohorts from under 30 to 65+.

Ownership category

akta.pro rank

Headquarters

HQ city

Madrid

HQ country

Spain

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. AsesoraME Premium Advisory Subscriptions: Three-tier subscription service (Bronze, Silver, Gold) offering advisory services for pensions, labor issues, tax matters, and inheritance. Bronze provides basic pension guidance; Silver adds labor, tax, and succession advice with unlimited queries; Gold offers comprehensive 360-degree coverage. Prices range from €180-€780 depending on tier and activity type (employee vs. self-employed).
2. Free Planning Tools and Content: Free access to retirement planning tools, educational content, and guidance resources. The platform monetizes through conversion of free users to premium AsesoraME subscriptions.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels4 records

Core offering

JubilaME is a Spanish financial wellbeing platform that helps middle-class citizens plan and prepare for retirement through free age-segmented planning tools and educational content. The platform operates a digital hub covering all Spanish pension types (jubilación, viudedad, orfandad, incapacidad), and monetizes through its paid subsidiary AsesoraME, which delivers tiered professional advisory subscriptions (Bronze, Silver, Gold) covering pensions, Social Security procedures, tax, labor, and inheritance matters.

Product overview

JubilaME is a comprehensive financial wellbeing platform focused on retirement planning. The core platform (jubilame.com) provides educational content and an interactive retirement planning tool. The AsesoraME subsidiary (asesorame.jubilame.com) offers three tiers of professional advisory services—Bronze, Silver, and Gold—covering Social Security pensions, tax advisory, inheritance law, and labor matters. The tiered subscription model ranges from basic pension guidance (Bronze at €180–300) to comprehensive 360-degree advisory (Gold at €540–780).

Differentiator

Problem solved

Functional benefit

Brands

• AsesoraME Bronze: Basic advisory level covering key pension-related areas for informed decision-making.
• AsesoraME Silver
• AsesoraME Gold

Products and services

• JubilaME Platform Financial wellbeing platform for Spanish individuals that delivers age-segmented retirement planning pathways (under 30, 31-40, 41-50, 51-64, 65+), an interactive retirement planner, and a comprehensive educational content library covering all Spanish pension types and personal finance topics.
• AsesoraME Advisory Service Professional advisory subscription service operated by Silver Economy Planning S.L. providing assistance with Spanish bureaucracy, Social Security procedures, tax advisory, inheritance and succession law, and labor matters related to retirement planning. Delivered via phone (910 488 737), online consultation, and a tiered e-commerce storefront, with three subscription tiers priced between €180 and €780.

Quantifiable outcome

• 48-hour response commitment for advisory queries
• +1 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and minor.

• GFTDesignStudiocoreStrategic or Co-development PartnerCollaboration between JubilaME and GFTDesignStudio resulted in a nomination for the prestigious UX Design Awards 2023, recognizing excellence in user experience design for the JubilaME financial wellbeing platform.
• Dunas CapitalminorOthersDisplayed as a customer/partner logo on JubilaME platform, indicating mutual brand association or referral relationship within the Spanish financial services ecosystem.
• La Mutualidad de los IngenierosminorOthersDisplayed as a customer/partner logo on JubilaME platform, indicating mutual brand association within the Spanish financial services ecosystem.
• N26minorOthersDisplayed as a customer/partner logo on JubilaME platform, indicating mutual brand association within the Spanish fintech ecosystem.
• Ebn BancominorOthersDisplayed as a customer/partner logo on JubilaME platform, indicating mutual brand association within the Spanish financial services ecosystem.
• COBAS Asset ManagementminorOthersDisplayed as a customer/partner logo on JubilaME platform, indicating mutual brand association within the Spanish financial services ecosystem.
• MyInvestorminorOthersDisplayed as a customer/partner logo on JubilaME platform, indicating mutual brand association within the Spanish fintech ecosystem.
• AntaminorOthersDisplayed as a customer/partner logo on JubilaME platform, indicating mutual brand association within the Spanish financial services ecosystem.
• LaurionminorOthersDisplayed as a customer/partner logo on JubilaME platform, indicating mutual brand association within the Spanish financial services ecosystem.
• CrowmieminorOthersDisplayed as a customer/partner logo on JubilaME platform, indicating mutual brand association within the Spanish financial services ecosystem.

Scale indicators2 records

Recent moves4 records

Expansion highlights4 records

Direct peers

• Indexa Capital: Spain's largest independent robo-advisor, offering automated index-fund portfolios and pension plans (planes de pensiones) for retail Spanish investors. Most direct comparable in product (digital pension/wealth management), geography (Spain), and target customer (middle-class savers approaching retirement).
• Finizens: European (Spain/Germany) digital wealth manager specializing in low-cost pension fund investing with a fully online onboarding flow. Closely comparable to JubilaME on retirement-specific focus, digital self-serve onboarding, and Spanish end-market exposure.

Broad incumbents

• OpenBank: Santander's 100% digital Spanish bank offering pension plans, investment funds, and retirement planning tools within a broader current account relationship. A scaled incumbent competing for the same Spanish retirement-planning customer base that JubilaME targets.
• N26: European mobile-first neobank with growing Spanish footprint offering deposits and consumer banking. Listed as a JubilaME partner and a comparable digital distribution partner for reaching younger Spanish savers earlier in the funnel.
• EBN Banco: Spanish online bank (part of Grupo Banco Pichincha evolution) offering deposits, investment funds, and pension plans to Spanish retail customers. Listed as a JubilaME partner with overlapping Spanish retail retirement-customer base.
• MyInvestor: Spanish neobank (joint venture of Andbank, El Corte Inglés Seguros, AXA, etc.) offering investment funds, pension plans, and retirement-focused products. A current JubilaME partner and one of the most natural distribution or co-product partners for retirement guidance in Spain.
• COBAS Asset Management: Spanish value-focused asset manager led by Francisco García Paramés, distributing funds to retail and pension investors. Listed as a JubilaME partner and a relevant incumbent for retirement asset allocation decisions Spanish users are making.
• Caser Grupo Helvetia: Major Spanish insurance and retirement provider (pension plans, life insurance, mutualidad) with established advisor network. Comparable in retirement-focused product set (pensions, savings, advisory) for Spanish middle-class customers, but operating at much larger scale via traditional insurance distribution.

Regional players

• Moneyfarm: European (UK/Italy) digital wealth manager with robo-advisory and pension products for retail investors. Comparable in digital pension/wealth management model and tiered advisory offering, though primarily serving non-Spanish European markets.

Emerging players

• EVNIA / Plans&Pensiones comparator set: Spanish financial advisory comparison and broker serving retail customers shopping for pensions, funds, and life insurance. Comparable in educating and routing Spanish consumers to retirement products, overlapping with JubilaME's advisory funnel though focused on product intermediation rather than ongoing planning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights5 records

Customer concentration

• Xtwitter.com/JubilaME_2022
• Facebookfacebook.com/profile.php?id=100087412939943
• LinkedInlinkedin.com/company/jubilame
• Instagraminstagram.com/jubila.me
• TikToktiktok.com/@jubila.me

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds1 record

Investors1 record

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about JubilaME