Equilibrium: Controle Gastos

Equilibrium organizes your family's finances in one place. You connect your banks through Open Finance and the app does the rest: transactions are automatically added, already categorized, and you can see the entire month without opening five apps or updating spreadsheets.

CONNECT YOUR BANKS AND STOP TYPING

Synchronization is done through Open Finance, the system regulated by the Central Bank. Authorization happens in Pluggy's workflow; Equilibrium never receives your bank's password, and you can disconnect whenever you want. It includes more than 150 Brazilian institutions: banks, credit cards, and brokerage firms.

ALL CARD STATEMENTS IN ONE PANEL

Three cards mean three closing dates, three due dates, and three statements to check. Equilibrium brings it all together: how much has closed, how much is still open, what's due first, and what purchases are included in each statement.

EXPENSE CONTROL THAT UPDATES ITSELF

Transactions arrive automatically categorized. You set spending goals by category (groceries, transportation, leisure) and track how much you've already spent and how much is left over each month, without having to do the math.

SUBSCRIPTIONS YOU FORGOT YOU PAY FOR

The app finds recurring charges in your statement and shows the actual total per month. Streaming, gym, club, that course from last year: everything added up, including adjustments.

FAMILY FINANCES, WITH PRIVACY

Invite whomever you want to the same safe, each with their own account and a defined role:
• Owner: full control, creates, edits, deletes and manages members
• Editor: enters and edits expenses, but cannot delete anything
• Read-only: monitors the dashboard without interfering

Suitable for couples who split household bills and for parents who want their older children to participate in the budget. And what's personal stays personal: the owner can mark transactions as private.

ASK INSTEAD OF SEARCHING

Vault AI answers with your real numbers. "How much is left until the end of the month?", "How much did I spend on groceries?", "Which bill is due first?". No generic chatbot answers.

CHECK IF EVERYTHING IS CORRECT

The Audit compares the app balance with your bank statement, transaction by transaction, and tells you if it matches or not. No other finance app shows this comparison.

WHAT YOU CAN DO
• Connect more than 30 institutions via Open Finance
• View accounts, cards, invoices and investments in a single dashboard
• Track spending goals by category
• Find subscriptions and recurring charges
• Record installment purchases and view future invoices
• Control loans and installments
• Share the vault with the family, with individual roles for each person
• Import statements and invoices in PDF or CSV format

HOW MUCH DOES IT COST?

Equilibrium is in free beta. Registration doesn't require a credit card, and bank synchronization is included, with no hidden paid plans.

SECURITY AND PRIVACY

Bank connections use Pluggy's infrastructure, authorized by the Central Bank. Each vault's data is isolated from others, and processing complies with the LGPD (Brazilian General Data Protection Law). You can disconnect banks whenever you want, through the app or your bank.

Equilibrium is a product of AuxaLab. We are not a financial institution and do not provide investment recommendations.

Questions or suggestions: contato@equilibriumvault.com