Kontto: Finanças Pessoais

Laysson

In-app purchases

About this app

Kontto is the personal finance app that shows you where your money goes — fast, simple, and 100% offline. Your data stays on your phone, and it's yours alone.

Register accounts and cards, enter expenses in seconds, and understand at the end of the month where your money went.

WHAT YOU CAN DO
• Checking accounts, savings, wallet, digital accounts, and investments
• Credit cards with limits, closing dates, and due dates
• Open, closed, and paid invoices — including partial payments
• Income, expenses, transfers, and installment purchases (each installment in the correct month)
• Recurring transactions and subscriptions
• Categories, subcategories, and custom tags
• Budgets by category and savings goals
• Projected balance for the coming months
• Expenses by category, with quick filters

INVOICE RECONCILIATION (without re-typing everything)
Import the PDF or CSV of your card invoice, and Kontto reconciles the transactions automatically — Nubank, Itaú, Bradesco, BB, Caixa, Inter, Santander, Mercado Pago, PicPay, and more. Everything read on your device.

AI ASSISTANT (optional, BYOK)
Ask about your finances, see your financial health, receive tips, and a summary of the month. Use Google's Gemini app in "bring your own key" format: you paste your key and only you have access. Without a key, the app works normally — AI is an extra, not a requirement.

BANKING NOTIFICATIONS (Android)
Kontto can read notifications from banks and cards and suggest transactions automatically. You review each one before saving, and nothing is sent to the server.

FREE — WITH AN OPTIONAL PRO PLAN
The essentials are free forever. Those who want more can subscribe to Kontto Pro: advanced reports with PDF (month-to-month comparison, fixed vs. variable, results by category), export to spreadsheet, "Who owes me" (track who owes you), themes and home screen customization, and all without limits. No ads on any plan.

PRIVACY AT THE HEART
• Local-first: your data stays on your device
• No account, no login, no registered email
• Backup only when you request it, in the format you choose
• PIN and biometric lock
• No ads and no tracking between apps

FOR WHOM IT'S FOR
• Those tired of spreadsheets but don't want to hand over their data to fintech companies
• Those who use multiple cards and get lost in their bills
• Those who want to know where their money went at the end of the month
• Freelancers and salaried employees who need to separate income by source

We are always improving — more reports, projections and exports — while maintaining the golden rule: your data does not leave your phone without your authorization.

Your finances. On your phone. Under your rules.