Maloca is a Colombian fintech that offers web‑based financial calculators and downloadable Excel templates for tasks such as tax optimization, pension liquidation, savings planning, and credit capacity assessment. It also provides paid one‑on‑one video advisory sessions to help users make informed investment, tax, and retirement decisions, all designed for non‑technical individuals.
Funding
Funding not disclosed
Founders
Product
Problem
Many Colombian individuals find personal finance planning complex and lack affordable, easy-to-use tools for calculating taxes, retirement benefits, savings goals, and credit capacity. This limits their ability to make informed financial decisions and achieve financial stability.
Solution
Maloca provides a suite of web‑based financial calculators and simulators that automate calculations for income base of pension liquidation, savings planning, responsible credit limits, and tax optimization. Users can download ready‑to‑use Excel templates for a one‑time fee, allowing offline use and repeated scenario analysis. In addition, Maloca offers live personalized advisory sessions via video call, enabling users to receive tailored guidance on investments, tax strategies, and retirement planning. All tools are designed for non‑technical users, with guided inputs and clear output visualizations, helping users set and track financial goals without needing professional expertise.
Target Audience
Maloca targets individual Colombian consumers who want to manage personal finances, including salaried workers planning retirement, borrowers assessing credit capacity, and anyone seeking low‑cost financial planning tools.
Features
- Income Base of Liquidation (IBL) calculator that processes full employment history to determine pension liquidation base.
- Savings simulator that computes monthly contribution needed for a target amount or projects total savings from a given monthly contribution.
- Responsible credit simulator that calculates the maximum loan amount affordable based on a user‑defined monthly payment capacity, interest rate, and term.
- Tax reduction calculator that identifies legal ways to lower tax liabilities.
- Downloadable Excel templates for each calculator, enabling offline use and easy data storage.
- Integrated video‑call booking system for one‑on‑one personalized financial advisory sessions.
- Secure payment processing for template purchases and advisory fees.
- Multilingual interface (Spanish) optimized for Colombian tax and pension regulations.