Kontto: Finanças Pessoais

Kontto is the personal finance app for those who want to see where their money is going — no registration, no cloud storage, no tracking.

Everything is saved on your phone. Nothing leaves the device unless you decide to export it. It works 100% offline.

What you can do

• Register checking accounts, savings accounts, wallets, and digital accounts
• Manage credit cards with limits, closing dates, and due dates
• Track open, closed, and paid invoices
• Record income, expenses, and transfers between accounts
• Register installment purchases and view each installment in the correct month
• Set up recurring transactions and subscriptions
• Categorize by category, subcategory, and custom tags
• View projected balance for the coming months
• Compare expenses by category, month by month
• List recent expenses with quick filters
• Export financial reports in PDF format
• Backup and restore with local encryption
• Protect the app with PIN and biometrics

Optional AI, under your terms

Automatic categorization by AI is optional and uses Google's Gemini model. It works in BYOK ("bring your own key") format: you paste your API key and only you have access to it.

Without a key, the app continues to function normally — AI is an extra, not a requirement. Bank Notifications (Android)

On Android, Kontto can read notifications from banks and credit cards to automatically suggest transactions. You review each one before saving. The reading is local and nothing is sent to a server.

For whom it's for:

• Those tired of spreadsheets but don't want to hand over data to fintech companies
• Those who use multiple cards and lose track of their bills
• Those who want to understand where their money went at the end of the month
• Those who prefer offline, simple apps without a monthly subscription
• Freelancers and salaried employees who need to separate income by source

Privacy

• Local-first: data stays on your device
• No account, no login, no registered email
• No analytics, no trackers, no advertising
• Backup only when you request it, in the format you choose
• PIN + biometric lock code

Future features already planned

We are working on continuous improvements: more reports, better cash flow projection, smart tags and more export options. Everything follows the same rule: your data will not leave your phone without your authorization.

Your finances. On your phone. Under your rules.