Skip to content
tobbo

New · Open Finance + AI

Can I spend it?
Ask Tobbo.

The app that organizes your money on its own: it connects your banks and cards through Open Finance, sorts every expense with AI and tells you, honestly, if it fits your month.

  • Free to start
  • No ads
  • Regulated Open Finance
  • Read-only
Tobbo Finanças: expense tracker app with Open Finance and AI

All in one place

Many banks, accounts and cards, personal and business, updated automatically.

AI that learns

Categorizes every expense and remembers your fixes.

Honest answers

Ask before you buy. If it does not fit, Tobbo tells you straight.

Free to start

No ads and we never sell your data. Premium only if you want it.

How it works

Three steps and Tobbo takes over

  1. Connect your banks

    Authorize inside your bank app through Open Finance. No passwords, read-only, revoke anytime.

  2. Tobbo organizes it

    Transactions categorized, transfers between your accounts and card payments never counted twice.

  3. Ask and decide

    "Can I spend it?", "where can I save?". Short answers with charts, from your own data.

Features

A whole finance app in one owl

From statements to retirement: Tobbo handles the boring part and flags what matters.

Automatic

Open Finance

Multiple banks, accounts and credit cards, personal and business, always up to date.

AI categorization

Every transaction is categorized. Fix it once and it becomes a rule.

Android

Bank notifications

On Android, purchases and Pix show up instantly from your bank app notifications (optional).

Chat with Tobbo

Ask in plain words and get charts and tables built from your data.

Smart savings goals

Emergency fund, investing and retirement with the ideal amount from your history, plus couple contributions.

Upcoming payments

Bills, boletos and card statements with a heads-up before the due date.

Budgets

Per-category limits with an alert before you overspend.

Subscriptions

Recurring charges detected, with alerts for price hikes or double charges.

Bank savings boxes

Your in-bank savings boxes show up next to your goals.

CDB comparison

See where your money earns more, in simple numbers.

Widgets

Savings, monthly overview, "Can I spend it?" and card limits on your home screen.

Hide amounts

One tap and numbers disappear. Perfect for public places.

New

Learn with Tobbo

18 lessons with quizzes built on your numbers, plus Tobbo's Tip every day.

New

Tobbo Kids

Allowance, Save, Spend and Give jars, dreams and missions for children.

Can I spend it?

Ask before you swipe

Tobbo checks your accounts, card bills, budgets and savings for the month, runs the numbers and answers right away. If it fits, it celebrates with you. If not, it scolds you and suggests a better path.

  • Accounts for bills that are still due
  • Respects what you set aside to save
  • Explains why, in plain language
Get it free
Ask before you swipe
YouPartnerHome
  • Checking accountYou · SharedR$ 4.230
  • Credit cardPartner · SharedR$ 1.940
  • Business accountYou · Private account•••••
  • Household reserveHome · SharedR$ 18.400

For couples

Money for two, privacy intact

Invite the person you share bills with. See household money together and keep personal things personal.

  • See just yours, just theirs or the household total
  • Each person decides, account by account, what the other sees
  • Shared goals with each person’s contributions

Learn with Tobbo

Money lessons with your own numbers

Tobbo understands your profile and your real habits and teaches with your money, not generic examples. Every lesson ends with "in your case": what it means for you, in reais.

  • Age
  • Education
  • Occupation
  • Dependents
  • Fixed or variable income
  • 18 short lessons with a quiz and "in your case"
  • Ideal emergency fund in months for your income type
  • Life insurance: how much makes sense with dependents
  • Tobbo's Tip every day in the app, chat and widget
  • Emergency fund
  • Life insurance
  • Pensions: PGBL vs VGBL
  • CDI, Treasury and FGC
  • Diversification
  • Cards and debt
  • 50/30/20 rule
  • Compound interest
  • Inflation
  • Retirement by life stage

Educational content. Not investment advice.

Read: how big should your emergency fund be

Lesson 3 of 18 · Emergency fund

Your ideal emergency fund

R$ 18,600

Today you have 2.4 monthsof 6 months

In your case

Variable income and 1 dependent: aim for 6 months of essential spending (R$ 3,100 a month).

Quiz · 3 questions

Tobbo's Tip

Saving R$ 450 a month, you get there in 2 years.

Tobbo KidsNew

Kids learn money by playing

A kids mode inside Tobbo, set up and controlled by parents. Allowance, jars, dreams and missions teach children to save, spend wisely and give.

  • Piggy bank with 3 jarsSave, Spend and Give: the allowance arrives already split.
  • Automatic allowanceAmount and day set by parents, never forgotten.
  • DreamsA jar that fills with every coin saved.
  • MissionsAgreed chores that earn coins.
  • Bite-sized lessonsQuizzes with stars and Tobbo cheering along.

Hi, Lia!

  • Save

    42

  • Spend

    18

  • Give

    6

Dream: a bike

65 of 100 coins

Make the bed+5 coins

Built so parents can relax

  • Created and controlled by a parent, with consent (LGPD)
  • No child login
  • No ads
  • No AI chatting with the child
  • No bank data
  • Leaving Kids mode requires the parent's biometrics

Security and privacy

Your money stays put. Tobbo only reads.

Your bank connection runs on Open Finance Brazil, regulated by the Central Bank of Brazil. You authorize it inside your own bank and can revoke it anytime.

No bank passwords

You authorize inside your bank. No banking password ever goes through Tobbo.

Read-only

Tobbo cannot send Pix, pay bills or move money.

Biometrics and hidden amounts

Unlock with fingerprint or face and hide numbers with one tap.

Encryption and isolation

HTTPS traffic and data isolated per group in the database.

You are in control

Disconnect a bank or delete your account and data right in the app.

No ads, ever

We do not sell data and never use your finances for advertising.

Read the Privacy Policy

Plans

Free to start. Premium when you want more.

Download for free and use it with no ads. Tobbo Premium is an optional monthly or yearly subscription with a 7-day free trial.

Free

Free
  • 1 connected bank
  • AI categorization
  • "Can I spend?" 5 times a month
  • Chat with Tobbo 10 times a month
  • Tobbo's Tip

Tobbo Premium

7 days free
  • Unlimited banks
  • Bank notification capture
  • Unlimited "Can I spend?" and chat
  • Couples mode and Tobbo Kids
  • All lessons
  • Recurring payment alerts
  • Widgets

Monthly or yearly · price shown in the store · cancel anytime

FAQ

Frequently asked questions

What is Tobbo Finanças?

Tobbo Finanças is a personal finance app for Android, free to download and use, with an optional Tobbo Premium subscription. It connects your Brazilian bank accounts and cards through Open Finance, categorizes spending with AI and tells you whether you can afford a purchase. No ads, and it does not sell data.

How do I track my spending with Tobbo?

Connect your accounts through Open Finance, let Tobbo categorize every transaction and set a limit per category. It warns you before a budget runs out, reminds you of upcoming bills and shows where the month's money went.

What is Open Finance?

Open Finance Brazil is the Central Bank regulated system that lets you share your banking data between institutions, only with your consent. In Tobbo, you authorize it in your bank app, access is read-only and you can revoke it at any time.

How do I build an emergency fund with Tobbo?

Tobbo suggests an ideal emergency fund amount based on your spending history, tracks contributions and shows your bank savings pots alongside your savings. "Can I spend?" respects what you set aside.

Is Tobbo free? What does Premium include?

Tobbo is free to download and use, with no ads. The Free plan includes 1 connected bank, AI categorization, "Can I spend?" 5 times a month, chat 10 times a month and Tobbo's Tip. Tobbo Premium, monthly or yearly with a 7-day free trial, unlocks unlimited banks, notification capture, unlimited "Can I spend?" and chat, couples mode, Tobbo Kids, all lessons, recurring payment alerts and widgets. The price is shown in the store.

What does Tobbo teach about money?

Tobbo has 18 short lessons with quizzes on emergency funds, life insurance, pensions (PGBL vs VGBL), investing (CDI, Treasury, FGC and diversification), cards and debt, the 50/30/20 rule, compound interest, inflation and retirement. Each lesson uses your profile and your numbers and ends with "in your case". It is educational content, not investment advice.

What is Tobbo's Tip?

A short daily tip chosen from your profile and your real spending, shown in the app, in the chat and in the home screen widget.

What is Tobbo Kids?

Tobbo's financial education mode for children: a piggy bank with three jars (Save, Spend and Give), automatic allowance, dreams with a jar that fills up, missions that earn coins and bite-sized lessons with quizzes and stars. It is part of Tobbo Premium.

Is Tobbo Kids safe for children?

Yes. Kids mode is created and controlled by a parent, with their consent (LGPD). The child has no login, sees no ads, does not chat with AI and has no access to bank data. Leaving Kids mode requires the parent's biometrics.

Is it safe to connect my bank?

The connection uses Open Finance Brazil, regulated by the Central Bank. You authorize it in your bank app without giving Tobbo any password, and access is read-only. You can revoke it anytime.

Which banks are supported?

Brazilian institutions participating in Open Finance, including major digital and traditional banks, personal and business accounts and credit cards. You can also import CSV or XLSX files.

How does notification capture work?

It is optional and Android-only. If enabled, Tobbo reads only notifications from a closed list of bank apps to log purchases and Pix instantly. Other apps are never read.

Does the AI see my data?

To categorize and answer, transaction descriptions, totals and your questions are processed by contracted AI providers, without bank credentials and only to provide the service. Answers are educational, not professional advice.

Can I use it with my partner?

Yes. Invite them to your group and each person chooses, account by account, what the other can see. Couples mode is part of Tobbo Premium.

Is there an iPhone version?

Not yet. Tobbo is available on Android via Google Play and the iPhone version is on its way. Email us to join the waitlist.

How do I delete my account?

In the app, go to Settings and tap Delete my account, or ask by email. Data is erased within 30 days.

Ready to sort out your money?

Download Tobbo, connect your bank in minutes and see where every real goes.

Free to start · no ads · 7-day Premium trial