Tobbo

Tobbo Finanças is a personal finance app for Android, by subscription (Tobbo Premium and Tobbo Family), with 7 days to try everything. It connects your Brazilian bank accounts and cards through Open Finance (on the Premium and Family plans), categorizes spending with AI and tells you whether you can afford a purchase. No ads, and it does not sell data.

Connect your accounts through Open Finance (on Premium and Family), let Tobbo categorize every transaction and set a limit per category. You can also add entries by hand or import your statement. It warns you before a budget runs out, reminds you of upcoming bills and shows where the month's money went.

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.

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.

7 days to try everything, then R$ 29.90/month or R$ 239.90/year; cancel any time on Google Play. No ads. Tobbo Premium costs R$ 29.90 a month or R$ 239.90 a year, for 1 adult, with up to 3 connected banks, unlimited "Can I spend?", up to 300 chat questions a month, real-time limit alerts, 6 and 12-month projections with "what if" scenarios, all lessons, recurring payment alerts, widgets and CSV export. Tobbo Family costs R$ 54.90 a month or R$ 449.90 a year and brings everything in Premium for 2 adults, with couples mode, Tobbo Kids and up to 6 banks in the group. Both come with a 7-day trial, once per account, and the price is shown before purchase, on Google Play or on the website. You subscribe in the app, billed by Google Play, or on the website app.tobbofin.com, by credit card; on the website you can withdraw within 7 days of the first charge and get the amount back.

You set how much you want to spend this month, or accept the amount Tobbo suggests from your history. It watches your pace, shows how much you can spend today, alerts you at 50%, 80% and 100% of the limit and predicts the day you would go over if the pace continues. Alerts arrive right after each purchase, with per-category pace and a home screen widget.

Estimates of your balance at the end of the month and 3, 6 and 12 months ahead, based on your history, fixed bills and installments. They show when installments end, when each goal will be ready and let you simulate "what if" scenarios, like cutting a category or taking on rent. You get the end of the month, 3, 6 and 12 months, goal dates and scenarios. Projections are not a guarantee.

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.

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.

Tobbo's money education mode for kids aged 4 to 12: three jars (Save, Spend and Give), an allowance in virtual coins, missions approved by parents, dreams, 30 lessons with quizzes and stars, three games, levels, XP, streaks, 26 badges and accessories for the My Tobbo owl. It runs on the child's own phone, paired with a code, or on a parent's phone. It is part of the Tobbo Family plan.