patrimo.

Know exactly where every dollar goes.

Spending, budgets, goals and cards in one place — truly private, no bank password required. No spreadsheets, no guessing.

Start free See it in action →

Free forever · no card · no bank password

AES-256 Encryption

LGPD • Data protected

Zero Ad-Targeting

patrimo.

Know exactly where every dollar goes.

Spending, budgets, goals and cards in one place — truly private, no bank password required. No spreadsheets, no guessing.

Start free See it in action →

Free forever · no card · no bank password

AES-256

LGPD

Zero Ads

No credit cardMade in BrazilNo bank connection100% manual entryAES-256 encryptionCancel anytimeFinancial simulatorsMonthly reportsWeekly recapNo credit cardMade in BrazilNo bank connection100% manual entryAES-256 encryptionCancel anytimeFinancial simulatorsMonthly reportsWeekly recap

Imagine

closing the month

stress-free.

Without Patrimo

A spreadsheet every Monday

Hours lost every week

$300+ vanishing with no clue where

Invisible money every month

Fights over who spent what

Conflicts with no answer

Stress at the end of the month

Anxiety guaranteed

✓

With Patrimo

✓

Logged in seconds

Simple, no hassle

✓

Categorized in one tap

Fast and your way

✓

Alerts before you overspend

No shocks at month's end

✓

A calm month-end

Every month, no exceptions

From zero to in control
in 4 steps

Add your accounts

Add your accounts manually in seconds. You control what gets logged — no access to your bank.

See where your money goes

Categorize in one tap and uncover the invisible spending and forgotten subscriptions in your month.

Set budgets and goals

The app warns you before you overspend. The goals engine breaks big objectives into smaller steps.

Build your wealth

Compound interest simulators, a FIRE Calculator and long-term goals. Watch your money grow over time.

Who it's for

Built for the
results-obsessed.

For Individuals

Close the month knowing you stayed on budget.

If the 25th hits and you panic because you don't know how much is in your account, Patrimo was made for you. Automatic categorization, alerts before you overspend and a dashboard you actually understand.

Start as an individual

For Couples

The family's money on the same page.

Money was behind 76% of couples' fights in 2025. With Patrimo, you both share the same view of your money — before the conversation turns into a fight. Link your partner's account, create a family hub and set goals together.

Create a couples account

For Entrepreneurs

Personal and business. Never mixed, never lost.

Solo business, freelance or small company: stop mixing the business with your personal account. Patrimo separates, organizes and even builds your cash flow. Bills to pay, bank reconciliations — all in one terminal.

Set up for business

Every feature

Everything included.
Nothing hidden.

Every Patrimo Pro feature, organized by category. No surprises after you subscribe.

Money Management

✓Account and card setup
✓Transaction logging
✓Automatic AI categorization
✓Tags and advanced search
✓Digital envelope budgeting
✓Alerts before you hit the limit

Wealth & Goals

✓Net worth dashboard
✓Custom financial goals
✓Cash flow (next 30 days)
✓Automatic monthly reports
✓Wealth history and growth
✓Alerts for goals within reach

Simulators

✓Compound interest with contributions
✓FIRE Calculator
✓Hourly-cost calculator
✓Retirement projection
✓Long-term goal simulator
✓Financial scenario comparison

Artificial Intelligence

✓AI chat about your finances
✓Teaches finance in plain language
✓Automatic spending insights
✓Reads only your account — privately
✓None of your data leaves the server

Gamification

✓XP and levels system
✓Monthly missions and challenges
✓Exclusive achievements and badges
✓Leaderboard among group members
✓Rewards for goals you hit

Accounting & Taxes

✓Reports in the official tax format
✓Tax calendar (income tax, DARF)
✓Tax deadline alerts
✓Export to PDF, Excel and CSV
✓Share with your accountant

Platform & Support

✓Dashboard with draggable widgets
✓Light and dark themes
✓Ticket support (24h response)
✓Help center and video tutorials
✓Break time: built-in games and wellness
✓Refer friends, earn free months

Privacy

Without handing your bank password to anyone.

Most apps ask for your bank password and make a living selling your data. Patrimo doesn't. You log or import your statement — and your data stays yours alone: encrypted, isolated, ad-free. Privacy isn't a feature. It's a principle.

Start free See our Security

No Open Finance

We don't connect to your bank. You log entries or import a CSV.

AES-256 Encryption

Your data protected in transit and at rest.

Isolated per user

Row-level security in the database: no one can access anyone else's data.

Zero ad-targeting

Your data never becomes an ad. It's never sold.

Artificial Intelligence

Your personal finance assistant.
Available 24/7.

Ask anything about your money. The AI understands your account — privately, without sending your data anywhere.

AI Chat

"How much did I spend on dining out this month?"

"Where can I cut R$ 200?"

"When will I hit my goal?"

Instant answers based on your real data.

It teaches — not just answers

Not sure what a CDI, an emergency fund or the snowball method is? Just ask. The AI explains it in plain language, in the context of your life.

Knowledge that turns into habit.

Academy · included with Pro

Control isn't enough.
You need to learn.

Money is 80% behavior. That's why the Patrimo Academy packs 8 categories, 15 courses and 122 lessons — with quizzes, mock exams and a real certificate. Start with the free Debt course.

🪙

Getting Out of Debt

Debt

Free

📈

Credit Score

Credit

🌱

Investing from Scratch

Investing

🏦

Fixed Income

Investing

🏢

Real Estate Funds

REITs

💸

Budgeting in Practice

Budgeting

🛟

Emergency Fund

Planning

🧾

Income Tax 2026

Taxes

🔥

Independence (FIRE)

Retirement

Quizzes + verifiable certificate Mock exams with history 530 questions Study streaks

Explore the Academy

Accounting & Taxes

Income tax
without the headache.

Reports ready for the tax authority. A built-in tax calendar. Export everything to PDF or Excel. Never pay a late penalty again.

Tax Reports

Automatic reports in the official tax format. Export them directly.

Tax Calendar

Deadline alerts: income tax, DARF, contributions. Never forget again.

Export

PDF, Excel, CSV. Share with your accountant in one tap.

Break & Wellbeing

Take care of your money
without losing it.

8 in 10 people feel anxious about money. That's why Patrimo also helps you breathe: take a break, play, relax — and come back with a clear head.

7 games to de-stress

Head spinning? Take a break with classics everyone loves — and earn XP while you're at it.

Snake2048MemoryMinesweeperPongBreakoutWord Search

Wellbeing tools

Guided breathing

The 4-4-4-4 technique to calm down in a minute.

Pomodoro Timer

25 min of focus + 5 to rest.

Ambient sounds

Rain, forest, café — to help you focus.

Gratitude journal

Jot down 3 good things from your day.

Clarity that changes everything.

Our early base of beta explorers

“I used to lose hours on spreadsheets and still had no idea where my paycheck went. Logging my spending in Patrimo, within a week I saw exactly where my budget was leaking.”

Matheus S.

Developer

“We'd fight over money without knowing why. Tracking our spending together in Patrimo, we stopped arguing — and had enough left over for our first trip.”

Camila & Arthur

Couple, beta explorers

“I went from R$ 800 in the red every month to my first safety net. Seeing the month's recap on screen changed how I think about money.”

Roberto M.

Entrepreneur

Frequently asked questions

Still unsure? We've got answers.

No — and that's on purpose. Patrimo is manual: you log entries or import your statement (CSV). We never ask for your bank password and we don't use Open Finance. More privacy and more control over your data.

Yes. The Free plan is free forever, no credit card. Pro (R$ 25,90/month or R$ 249/year) unlocks the full Academy, advanced reports, investment calculators, gamification and everything unlimited.

In one tap, whenever you want — no lock-in, no catch. You keep Pro access until the end of the period you've already paid for.

Yes. You import the statement (CSV) from Nubank, Inter and others, or log entries manually in seconds. Pix, card statements, income tax — all the Brazilian way.

It runs right in your browser — and you can add it to your phone's home screen like an app. Your data syncs across phone, tablet and computer.

For anyone who wants to get out of debt, start saving or simply organize their money better — whether you're meticulous or completely chaotic with finances.

Got another question?

Visit the Help Center →

Pricing

Start free. Upgrade whenever you want.

Free is free forever. Pro costs less than R$ 1 a day on the annual plan — and unlocks everything.

Free

Everything you need to organize your day-to-day. Free forever.

R$ 0

Forever · no credit card

Unlimited transactions
1 account + 1 credit card
Up to 3 financial goals
Budgets and limits by category
Cash flow and monthly reports

Start free

No credit card

Best value

Pro

Everything unlimited + Academy, investments and advanced reports.

20,75/mo

R$ 249/year · or R$ 25,90/month — save R$ 62

Everything in Free, unlimited
Full Academy — courses, quizzes and certificates
Investment calculators and simulators
Advanced reports + cash flow projection
Gamification, missions and challenges
Priority support

Subscribe to Pro

Cancel anytime

How much did you lose
this month without knowing?

You don't need more discipline. You need clarity. Start free — no card, no hassle.

Start free

No credit card • Cancel anytime

patrimo.

Know exactly where every dollar goes.

Spending, budgets, goals and cards in one place — truly private, no bank password required. No spreadsheets, no guessing.

Start free See it in action →

Free forever · no card · no bank password

AES-256 Encryption

LGPD • Data protected

Zero Ad-Targeting

patrimo.

Know exactly where every dollar goes.

Spending, budgets, goals and cards in one place — truly private, no bank password required. No spreadsheets, no guessing.

Start free See it in action →

Free forever · no card · no bank password

AES-256

LGPD

Zero Ads

Imagine

closing the month

stress-free.

Without Patrimo

A spreadsheet every Monday

Hours lost every week

$300+ vanishing with no clue where

Invisible money every month

Fights over who spent what

Conflicts with no answer

Stress at the end of the month

Anxiety guaranteed

✓

With Patrimo

✓

Logged in seconds

Simple, no hassle

✓

Categorized in one tap

Fast and your way

✓

Alerts before you overspend

No shocks at month's end

✓

A calm month-end

Every month, no exceptions

From zero to in control
in 4 steps

Add your accounts

Add your accounts manually in seconds. You control what gets logged — no access to your bank.

See where your money goes

Categorize in one tap and uncover the invisible spending and forgotten subscriptions in your month.

Set budgets and goals

The app warns you before you overspend. The goals engine breaks big objectives into smaller steps.

Build your wealth

Compound interest simulators, a FIRE Calculator and long-term goals. Watch your money grow over time.

Who it's for

Built for the
results-obsessed.

For Individuals

Close the month knowing you stayed on budget.

Start as an individual

For Couples

The family's money on the same page.

Create a couples account

For Entrepreneurs

Personal and business. Never mixed, never lost.

Set up for business

Every feature

Everything included.
Nothing hidden.

Every Patrimo Pro feature, organized by category. No surprises after you subscribe.

Money Management

✓Account and card setup
✓Transaction logging
✓Automatic AI categorization
✓Tags and advanced search
✓Digital envelope budgeting
✓Alerts before you hit the limit

Wealth & Goals

✓Net worth dashboard
✓Custom financial goals
✓Cash flow (next 30 days)
✓Automatic monthly reports
✓Wealth history and growth
✓Alerts for goals within reach

Simulators

✓Compound interest with contributions
✓FIRE Calculator
✓Hourly-cost calculator
✓Retirement projection
✓Long-term goal simulator
✓Financial scenario comparison

Artificial Intelligence

✓AI chat about your finances
✓Teaches finance in plain language
✓Automatic spending insights
✓Reads only your account — privately
✓None of your data leaves the server

Gamification

✓XP and levels system
✓Monthly missions and challenges
✓Exclusive achievements and badges
✓Leaderboard among group members
✓Rewards for goals you hit

Accounting & Taxes

✓Reports in the official tax format
✓Tax calendar (income tax, DARF)
✓Tax deadline alerts
✓Export to PDF, Excel and CSV
✓Share with your accountant

Platform & Support

✓Dashboard with draggable widgets
✓Light and dark themes
✓Ticket support (24h response)
✓Help center and video tutorials
✓Break time: built-in games and wellness
✓Refer friends, earn free months

Privacy

Without handing your bank password to anyone.

Start free See our Security

No Open Finance

We don't connect to your bank. You log entries or import a CSV.

AES-256 Encryption

Your data protected in transit and at rest.

Isolated per user

Row-level security in the database: no one can access anyone else's data.

Zero ad-targeting

Your data never becomes an ad. It's never sold.

Artificial Intelligence

Your personal finance assistant.
Available 24/7.

Ask anything about your money. The AI understands your account — privately, without sending your data anywhere.

AI Chat

"How much did I spend on dining out this month?"

"Where can I cut R$ 200?"

"When will I hit my goal?"

Instant answers based on your real data.

It teaches — not just answers

Not sure what a CDI, an emergency fund or the snowball method is? Just ask. The AI explains it in plain language, in the context of your life.

Knowledge that turns into habit.

Academy · included with Pro

Control isn't enough.
You need to learn.

Money is 80% behavior. That's why the Patrimo Academy packs 8 categories, 15 courses and 122 lessons — with quizzes, mock exams and a real certificate. Start with the free Debt course.

🪙

Getting Out of Debt

Debt

Free

📈

Credit Score

Credit

🌱

Investing from Scratch

Investing

🏦

Fixed Income

Investing

🏢

Real Estate Funds

REITs

💸

Budgeting in Practice

Budgeting

🛟

Emergency Fund

Planning

🧾

Income Tax 2026

Taxes

🔥

Independence (FIRE)

Retirement

Quizzes + verifiable certificate Mock exams with history 530 questions Study streaks

Explore the Academy

Accounting & Taxes

Income tax
without the headache.

Reports ready for the tax authority. A built-in tax calendar. Export everything to PDF or Excel. Never pay a late penalty again.

Tax Reports

Automatic reports in the official tax format. Export them directly.

Tax Calendar

Deadline alerts: income tax, DARF, contributions. Never forget again.

Export

PDF, Excel, CSV. Share with your accountant in one tap.

Break & Wellbeing

Take care of your money
without losing it.

8 in 10 people feel anxious about money. That's why Patrimo also helps you breathe: take a break, play, relax — and come back with a clear head.

7 games to de-stress

Head spinning? Take a break with classics everyone loves — and earn XP while you're at it.

Snake2048MemoryMinesweeperPongBreakoutWord Search

Wellbeing tools

Guided breathing

The 4-4-4-4 technique to calm down in a minute.

Pomodoro Timer

25 min of focus + 5 to rest.

Ambient sounds

Rain, forest, café — to help you focus.

Gratitude journal

Jot down 3 good things from your day.

Clarity that changes everything.

Our early base of beta explorers

“I used to lose hours on spreadsheets and still had no idea where my paycheck went. Logging my spending in Patrimo, within a week I saw exactly where my budget was leaking.”

Matheus S.

Developer

“We'd fight over money without knowing why. Tracking our spending together in Patrimo, we stopped arguing — and had enough left over for our first trip.”

Camila & Arthur

Couple, beta explorers

“I went from R$ 800 in the red every month to my first safety net. Seeing the month's recap on screen changed how I think about money.”

Roberto M.

Entrepreneur

Frequently asked questions

Still unsure? We've got answers.

Yes. The Free plan is free forever, no credit card. Pro (R$ 25,90/month or R$ 249/year) unlocks the full Academy, advanced reports, investment calculators, gamification and everything unlimited.

In one tap, whenever you want — no lock-in, no catch. You keep Pro access until the end of the period you've already paid for.

Yes. You import the statement (CSV) from Nubank, Inter and others, or log entries manually in seconds. Pix, card statements, income tax — all the Brazilian way.

It runs right in your browser — and you can add it to your phone's home screen like an app. Your data syncs across phone, tablet and computer.

For anyone who wants to get out of debt, start saving or simply organize their money better — whether you're meticulous or completely chaotic with finances.

Got another question?

Visit the Help Center →

Pricing

Start free. Upgrade whenever you want.

Free is free forever. Pro costs less than R$ 1 a day on the annual plan — and unlocks everything.

Free

Everything you need to organize your day-to-day. Free forever.

R$ 0

Forever · no credit card

Unlimited transactions
1 account + 1 credit card
Up to 3 financial goals
Budgets and limits by category
Cash flow and monthly reports

Start free

No credit card

Best value

Pro

Everything unlimited + Academy, investments and advanced reports.

20,75/mo

R$ 249/year · or R$ 25,90/month — save R$ 62

Everything in Free, unlimited
Full Academy — courses, quizzes and certificates
Investment calculators and simulators
Advanced reports + cash flow projection
Gamification, missions and challenges
Priority support

Subscribe to Pro

Cancel anytime

How much did you lose
this month without knowing?

You don't need more discipline. You need clarity. Start free — no card, no hassle.

Start free

No credit card • Cancel anytime

Know exactly where every dollar goes.

Know exactly where every dollar goes.

From zero to in controlin 4 steps

Add your accounts

See where your money goes

Set budgets and goals

Build your wealth

Built for theresults-obsessed.

Close the month knowing you stayed on budget.

The family's money on the same page.

Personal and business. Never mixed, never lost.

Everything included.Nothing hidden.

Money Management

Wealth & Goals

Simulators

Artificial Intelligence

Gamification

Accounting & Taxes

Platform & Support

Without handing your bank password to anyone.

Your personal finance assistant.Available 24/7.

AI Chat

It teaches — not just answers

Control isn't enough.You need to learn.

Income taxwithout the headache.

Tax Reports

Tax Calendar

Export

Take care of your moneywithout losing it.

7 games to de-stress

Wellbeing tools

Clarity that changes everything.

Still unsure? We've got answers.

Start free. Upgrade whenever you want.

Free

Pro

How much did you losethis month without knowing?

Know exactly where every dollar goes.

Know exactly where every dollar goes.

From zero to in controlin 4 steps

Add your accounts

See where your money goes

Set budgets and goals

Build your wealth

Built for theresults-obsessed.

Close the month knowing you stayed on budget.

The family's money on the same page.

Personal and business. Never mixed, never lost.

Everything included.Nothing hidden.

Money Management

Wealth & Goals

Simulators

Artificial Intelligence

Gamification

Accounting & Taxes

Platform & Support

Without handing your bank password to anyone.

Your personal finance assistant.Available 24/7.

AI Chat

It teaches — not just answers

Control isn't enough.You need to learn.

Income taxwithout the headache.

Tax Reports

Tax Calendar

Export

Take care of your moneywithout losing it.

7 games to de-stress

Wellbeing tools

Clarity that changes everything.

Still unsure? We've got answers.

Start free. Upgrade whenever you want.

Free

Pro

How much did you losethis month without knowing?

From zero to in control
in 4 steps

Built for the
results-obsessed.

Everything included.
Nothing hidden.

Your personal finance assistant.
Available 24/7.

Control isn't enough.
You need to learn.

Income tax
without the headache.

Take care of your money
without losing it.

How much did you lose
this month without knowing?

From zero to in control
in 4 steps

Built for the
results-obsessed.

Everything included.
Nothing hidden.

Your personal finance assistant.
Available 24/7.

Control isn't enough.
You need to learn.

Income tax
without the headache.

Take care of your money
without losing it.

How much did you lose
this month without knowing?