Nexora tells you what you have, what you owe and where every peso goes. Ten minutes a month.
$312,480
▲ $8,380 (+2.76 %) en Aug 2026
Example figures
- Groceries65 %
- Restaurants94 %
- Transport36 %
- Entertainment127 %
- BBVA credit card$41,200
- Car loan$55,000
Debt-free in May 2028
BBVA card payment logged
Groceries: 65% of budget
Net worth +2.8% this month
Before you earn more,know your numbers.
Net worth, August 2026
$312,480
Example figures.
You earn well. And still don't know what you have.
Without your real net worth, every decision about debt, savings or retirement is a guess.
Everything you own, minus everything you owe.
The number almost nobody knows about themselves. Nexora works it out from the balances you enter and updates it every month.
Your month's health
Savings rate, fixed spending and debt in one reading, no spreadsheets.
Every peso has a job.
Set your budgets per cycle, from one Capture Day to the next, and see at a glance which category is fine, which one is getting tight and which one went over. When the cycle closes they restart on their own.
Cycle starting September 5
- Groceries$5,201 of $8,000
- Restaurants$3,300 of $3,500
- Transport$910 of $2,500
- Entertainment$1,910 of $1,500
Over by $410
Your debts, with an exit date.
Your cards and loans in one place, with balance, rate and payment. Pick avalanche or snowball and Nexora tells you which one to attack first, how much interest you will pay and the month you are free.
Avalanche plan
- BBVA credit card 42 % a year$41,200
December 2027
Paid off in Dec 2027
- Car loan 14 % a year$55,000
May 2028
Debt-free in
May 2028
Interest along the way
$20,346
How much will you have when you retire?
Log each retirement plan with its balance and your monthly contribution, and see what it grows to by your retirement date with compound interest. Plus how much to contribute to reach your goal.
- Projected value in 2051
- $6,178,002
- What you put in
- $1,380,000
- What you could withdraw each month without running out
- $20,593
Your plan at different returns
- Conservative, 6% a yearyou don't get there$3.6 M
- Moderate, 9% a yearyou get there in 2051$6.2 M
- Aggressive, 12% a yearyou get there in 2047$11.1 M
- What you put in$1.4 M
- Goal: $6 M to live on $20,000 a month
Example retirement plan: $180,000 balance, $4,000 a month, 9 % a year for 25 years. Figures in today's pesos.
What waiting costs
$4,000 a month at 9% a year until 2051, starting in different years.
- You start today$4.5 M
- You start in 2031$2.7 M
- You start in 2036$1.5 M
You don't have to remember a thing.
You enter your transactions. Nexora adds them up by category and tells you what you had left.
- In
- $48,250
- Out
- $37,309.50
- Left over
- $10,940.50
September 1 to 16
- Fixed$18,40049 %
- Variable$7,930.5021 %
- Debt$6,10016 %
- Savings$4,00011 %
- Entertainment$8792 %
How it works
01
Diagnosis
In Module 1 you enter your income, your debts and what you own. Out comes your real net worth and savings rate.
Your real number, on day one.
Ingreso mensual$48,250.004.3%Agosto de 2026Gasto del mes$39,870.006.2%Fijo $18,400 + movimientosDeudas totales$96,200.004.4%2.0 meses de ingresoPatrimonio neto$312,480.00Primer mesTodo lo que tienes, menos lo que debes02
Plan
Choose your payoff method, set budgets per cycle and define your retirement and investment contributions.
Your debt-free date: pick avalanche or snowball and see the month you finish paying.
Enfoque de pago
Una deuda a la vezAtaca primero Tarjeta BBVA: es la que más te cuesta, 42.0% anual. Sabemos que Préstamo familiar te pesa más; sigue después, no la olvidamos.
Saldo$41,200Tasa anual42.0%Pago mensual$3,600Tarjeta de crédito, uso de línea68.7%03
Capture Day
Once a month, the snapshot that tells you whether you moved forward.
You log expenses whenever you like; closing the month takes ten minutes.
Es tu Día de capturaCierra Agosto de 2026: registra tu ingreso del mes, pon tus números al día y revisa tus presupuestos. Te toma unos minutos.
Empezar captura
Everything you get with Nexora
The Nexora app
Net worth, budgets, debt control, retirement plans and your monthly snapshot.
The Modo Rico method
The course that teaches you to use it, in order and at your pace.
Private community
The same questions, with people one step ahead.
Premium templates
The course worksheets, ready to fill in.
The people behind Modo Rico
Two careers inside the financial system, and the same pattern over and over: people who earn well never build wealth. Modo Rico came out of that, and the two of them co-founded it.
- 50+
- years between the two of them inside the financial system.
- 30+
- of those leading one of the largest financial institutions in Mexico.
Ten minutes a month.
On Capture Day you close the month: balances, debts and contributions. Nexora does the rest and restarts your budgets.
- Next Capture Day
- The 5th of every month
- It takes
- 10 min
Example: you pick your own day.
Questions
Do I need to know about finance?
No. Module 1 starts from zero: your income, your debts and what you own. Nexora does the math.
What is Nexora?
The app to take control of your money. It tracks your net worth, debts, budgets and retirement plans, and catches up once a month, on Capture Day.
How much time does it take?
The initial diagnosis, one afternoon. After that, about ten minutes a month.
How do I get into the app?
With the invite code you receive when you enroll. There are no charges inside the app.
Does it connect to my bank?
No. You enter your balances and expenses yourself; Nexora never asks for your banking credentials.
Does it work if I have debt?
That is what it is for. Pick your payoff method, avalanche or snowball, and see your debt-free date.
What language is the course in?
The course and the app are in Mexican Spanish. This page is in English so you can decide; the program itself is in Spanish.
What if it's not for me?
You get a 7-day guarantee. We refund 100% of your investment.
7-day guarantee. If it's not for you, we refund 100% of your investment.