SemContas - Finanças Pessoais

Manage your personal finances simply, automatically, and intelligently with SemContas.

SemContas is a financial control and planning app that brings together bank accounts, credit cards, income, expenses, and future balances in one place. Connect your banks through Open Finance, track your spending, and gain a clear view of your entire financial life.

More than just recording expenses, SemContas helps you understand your money, change habits, and make better decisions to build your financial independence.

FINANCIAL CONTROL IN ONE APP

Connect more than 50 banks and cards and track your transactions automatically. View balances, expenses, income, invoices, and financial commitments without having to consult multiple apps or update spreadsheets every day.

With SemContas, you can:

• Connect bank accounts and credit cards via Open Finance
• Track income and expenses in one place
• Organize fixed, variable, and recurring expenses
• View invoices and future commitments
• Check the consolidated balance of your accounts
• Plan future cash flow
• Create financial goals and objectives
• Receive alerts about excessive spending
• Track monthly reports
• Use a financial calendar to plan payments
• Receive guidance from the app's artificial intelligence

KNOW WHERE YOUR MONEY IS GOING

Have clearer control over your spending and understand how much you spend on housing, food, transportation, leisure, subscriptions, purchases, and other categories.

SemContas transforms your transactions into useful information for you to identify excesses, adjust your budget, and save more.

PLAN YOUR MONEY BEFORE YOU SPEND IT

Future cash flow gathers recurring expenses, payments, bills, and other anticipated transactions to show how your balance may evolve in the coming days, weeks, and months.

This way, you can prepare for bills to pay, avoid surprises, and make decisions with more confidence.

4Q METHOD TO ORGANIZE YOUR FINANCIAL LIFE

SemContas uses the 4Q Method to help you visualize the four pillars of your financial life:

Q1 — Income from work
Q2 — Passive income
Q3 — Fixed costs
Q4 — Variable costs

Track the relationship between income, expenses, and assets and discover how much your passive income needs to cover your cost of living.

A JOURNEY TO EVOLVE YOUR HABITS

Follow a practical journey with missions that help you organize your accounts, understand your expenses, set financial goals, and build a plan for the future.

The goal is not just to control expenses. It's about creating clarity, discipline, and method so you can better manage your money and keep your dreams alive.

WHO IS SEMCONTAS FOR?

SemContas is ideal for those looking for:

• Personal financial control app
• Financial organizer with bank connection
• Expense control and monthly budget
• Account and card manager
• Personal financial planning
• Income and expense control
• Financial reports and future balance
• Goals to save and achieve financial independence

Download SemContas and try all the features for 7 days free.

SemContas — Live more, Adding less.