Ponto Zero—Finanças&Património

The Ponto Zero app was developed to help organize your financial life in a clear, simple, and realistic way.

The app is designed for personal use and allows you to track income, expenses, bills, savings, debts, and assets, always focusing on manual and conscious control of information.

Income Tracking
Allows you to record incoming money, associating each transaction with its respective account and category. This makes it easier to track the source of your money and maintain an organized financial history.

Expense Tracking
Expenses can be recorded simply and are divided into fixed and variable expenses. This separation helps to better understand monthly commitments, daily expenses, and the impact of each type of expense on the budget.

Customizable Categories
The app includes a dynamic category system that allows you to create, edit, archive, or delete categories. The categories are organized by type (income, fixed expenses, and variable expenses), allowing for more flexible financial organization.

Account Management
Ponto Zero supports different types of accounts, such as bank accounts, wallets, credit cards, or savings accounts. Balances are calculated based on recorded transactions, and the application also supports negative balances to accurately represent accounts like credit cards.

Transfers Between Accounts
It is possible to make internal transfers between accounts, representing money movements within the user's financial structure without creating artificial income or expenses.

Financial Summaries
The application presents financial summaries that allow you to quickly view income, expenses, and the balance for the period. Monthly summaries are available, as well as additional Premium features such as weekly, annual, or custom period summaries.

Assets
There is a dedicated tab for tracking your assets, allowing you to view the evolution of your savings and loans over time, as well as the overall value in a simple and clear way.

Savings Transactions
Within the assets area, it is possible to register different types of transactions such as credit, debit, transfers between savings accounts, and value adjustments.

Loan Management
Within the asset management area, it's possible to register loans and track the evolution of debts over time, including outstanding balance, payment progress, and loan history.

Application Security
Access to the app can be protected via PIN or biometric authentication (Premium). All authentication mechanisms are local to the device.

Backups and Restore
Protect your data with manual backups through export and restore. The Premium version also includes automatic backups for greater security and convenience.

Data Export
The application allows you to export data to facilitate information preservation and external use, including Excel export in the Premium version.

Customization
Ponto Zero includes visual customization options such as light theme, dark theme, system mode, and customization of some main icons.

Offline Operation
The application is designed to work in an offline-first model. The main functionalities do not depend on an internet connection, and the data remains on the user's device.

Free and Premium
The basic version includes the main financial organization features. The Premium version unlocks additional features such as advanced summaries, Excel export, automatic backups, biometrics, and additional customization options.

The goal of Ponto Zero is to offer a clear view of personal financial reality, helping to organize transactions, track savings, and better understand daily financial habits.