SecurityPricing

Personal finance
in one place.

Goodbye, spreadsheets. Accounts, investments, and loans in one place, with an AI agent always ready.

Try the Plus plan, no card.

Guito dashboard

Bank accounts

Every bank, side by side.

Automatic connection with major Portuguese banks via Open Banking (PSD2). Balances and transactions synced daily, or track manually.

  • Secure and regulated bank connection
  • Automatic daily sync
  • Manual tracking for banks without an automatic connection

+140 banks across Portugal and Europe

Contas bancárias
Caixa Geral de Depósitos
Caixa Geral de Depósitos
2 contas
4 312,87 €
Santander
Santander
1 conta
8 450,00 €
ActivoBank
ActivoBank
1 conta
1 230,50 €
Revolut
Revolut
1 conta
2 875,00 €

Transactions

Every euro, mapped.

Automatic categorization and spend-by-category analysis. See where your money goes and how it flows between accounts and portfolio.

  • Spend-by-category analysis
  • Automatic transaction categorization
  • Investment buys and sells linked to your bank
Habitação
850 €32%
Alimentação
420 €16%
Outras
310 €12%
Restaurantes
240 €
Subscrições
180 €
Transportes
130 €
Saúde
90 €

Portfolio & markets

Your investments. Always under control.

Stocks, ETFs, funds and crypto with daily updated quotes. Track your portfolio's performance, dividends and allocation.

  • Stocks, ETFs, funds and crypto, with daily quotes
  • Automatic sync with Trading 212
  • Statement import from other brokers
Trading 212Trading 212Interactive BrokersInteractive Brokers*
NYSE
NASDAQ
Euronext
XETRA
Frankfurt

* Coming soon

Património total
54 737,40 €
Hoje
Contas
12 619,37 €23,0%
Investimentos
37 869,03 €69,2%
Bens e valores
4 249,00 €7,8%
Posições
ATIVOVALORRETORNO
Save & Grow PPR
Save & Grow PPR
PPR
15 240,00 €
+2 130,00 €+16,2%
Cert. Aforro
Cert. Aforro
Série F
Certificados
10 000,00 €
+312,50 €+3,2%
Apple Inc.
Apple Inc.
Ações
7 480,15 €
+1 236,20 €+19,8%
NVIDIA Corp.
NVIDIA Corp.
Ações
5 148,88 €
-524,30 €-9,2%

Loans

Your loans, under control.

Mortgage, car or personal. Upload the contract and AI extracts the rate, term and payment. Track everything with a detailed amortization plan and Euribor monitoring.

  • Month-by-month amortization plan
  • Euribor and spread monitoring
  • Early-repayment simulation

Crédito habitação

Taxa variável · Euribor 6M + 0,95%

Saldo em dívida

149 060,28 €

Prestação mensal

487,32 €/mês

Prazo restante

25a 3m

Amortização

25%

Crédito automóvel

Taxa fixa · 7,90%

Saldo em dívida

8 420,00 €

Prestação mensal

245,00 €/mês

Prazo restante

3a 2m

Amortização

58%

AI agent

The agent that knows your finances.

Ask your personalized agent anything about your finances. It has the full context of your accounts.

  • Natural language queries
  • Portfolio analysis
  • Answers with financial context

Olá, sou o seu assistente inteligente. Como posso ajudar?

As respostas são geradas automaticamente.

Qual é o meu património?
Mostra as minhas posições
Analisa os meus gastos
Escreva uma mensagem...

Calculators & simulators

Simulate before you decide.

Calculators for IRS, net salary, mortgage and more. Portuguese legislation always up to date.

  • IRS and net salary simulators
  • Mortgage calculators
  • Up-to-date Portuguese legislation
Situação atual
A sua situação laboral e fiscal
Tem deficiência
Tem ADSE
Resultado
Base de incidência1 600,00 €
Retenção IRS12,02 %- 192,00 €
Contribuição SS11 %- 176,00 €
Rendimento líquido1 232,00 €
Subsídio de refeição+ 176,00 €
Salário líquido1 408,00 €

Security & privacy

Your data, protected from the ground up.

AES-256 encryption, Open Banking (PSD2) compliance and GDPR from the ground up. Your financial data never leaves the EU.

  • Regulated bank connection
  • AES-256 encryption at rest
  • Data hosted in the EU
PSD2
RGPD
AES-256

FAQ

Start today

Your finances in one place. Finally.

Create your free account in minutes. Bank accounts, investments, loans, and net worth, all visible and organized.

View plans

What is guito?

guito is a financial management platform to manage your finances and investments in one place, without spreadsheets. Everything is organised in a simple platform made especially for Portugal.

  • Connects all Portuguese banks in one place
  • Shows how much money you have in each account
  • Tracks investments, funds and PPRs
  • Answers questions about your finances in Portuguese
  • Calculates net salary and IRS automatically

How does the bank connection work?

Simply connect your bank accounts completely securely. guito only reads data, it can never move money or access passwords.

  • Only reads information, does not move money
  • No need to share passwords
  • Works with all major Portuguese banks
  • Data always secure, protected and GDPR compliant
  • Read-only connection, no risks

Supported banks in Portugal

guito connects with all major Portuguese banks:

  • Caixa Geral de Depósitos (CGD)
  • Millennium BCP
  • Banco Santander
  • Novo Banco
  • Banco BPI
  • ActivoBank
  • Crédito Agrícola
  • Bankinter
  • Abanca
  • Revolut

Smart financial assistant

guito's assistant answers in natural Portuguese. You can ask anything about your finances, like a normal conversation:

  • How much money do I have in total?
  • Where do I spend the most money?
  • How are my investments doing?
  • How much do I save per month?
  • How much has this fund returned since I bought it?
  • What is my net worth?
  • Where can I cut expenses?

Transaction management and categorization

guito automatically categorizes all bank transactions using artificial intelligence, providing detailed financial analysis:

  • AI-powered automatic categorization of all bank transactions
  • 37+ spending categories with merchant recognition
  • Automatic merchant and store name extraction
  • Interactive spend-by-category analysis
  • Unified view of transactions across all connected banks

Portfolio and investment tracking

Track all investments in one place with real-time market data:

  • Track stocks from European and American exchanges
  • ETF tracking with daily quotes and performance
  • PPR (retirement savings) with Portuguese fund support
  • Savings certificates (Certificados de Aforro) tracking
  • Cryptocurrency tracking with euro quotes
  • Realized and unrealized capital gains calculation

Loan and credit management

Track and manage all loans and credits in one place:

  • Mortgage tracking with amortization schedules
  • Car loan and personal loan management
  • French and constant amortization method support
  • Early repayment simulation and savings calculation
  • EURIBOR rate tracking for variable rate loans

Free tax calculators

Useful tools for all Portuguese residents:

  • Calculate net salary for 2024 and 2025
  • Simulate IRS before submitting the declaration
  • Calculate IRS Jovem benefits
  • See all possible tax deductions
  • Compare salaries between different years
  • Simulate meal allowance impact
  • Compare electricity and natural gas prices across providers in Portugal

Why choose guito?

  • Portuguese platform, made for the Portuguese market
  • Easy to use, even without technical knowledge
  • Saves time spent on spreadsheets
  • Interface entirely in Portuguese
  • Free to start and try
  • Secure and protected data
  • Works perfectly on mobile and computer
  • Customer support in Portuguese

Security and privacy

guito takes security very seriously:

  • Never stores bank passwords
  • Encrypted and secure connections
  • Full GDPR compliance
  • Data stored on secure servers in Europe
  • Never shares data with third parties

How to get started

It's very simple to start using guito:

  1. Visit guito.pt
  2. Try the free calculators without registration
  3. If you like it, create a free account
  4. Connect a bank to see how it works
  5. Explore the dashboard and ask the assistant questions
  6. Add more banks and accounts as needed

Bank accounts, investments, loans, and net worth. Real data, always current.

© 2026 guito®. All rights reserved.Made with in Portugal

Product

  • Bank accounts
  • Portfolio and markets
  • AI assistant
  • Transactions
  • Loans and credits
  • Safety and security
  • Supported banks

Calculators

  • Net salary calculator
  • IRS calculator
  • IMT calculator
  • Mortgage payment
  • Euribor impact
  • Home buying budget
  • Self-employed

Company

  • Pricing
  • Terms and conditions
  • Privacy policy
  • Documentation
  • Contact