01
How much can I really spend?
R$ 190 a day
R$ 3,420 free until your next paycheck on Oct 5.
Why: I already set aside R$ 2,190 in upcoming bills, R$ 2,780 for the card bill, R$ 400 for goals and a R$ 150 buffer.
Personal financial operating system
Your money working for the life you want.
Ferb connects your accounts through Open Finance, understands your financial life and tells you what to do: how much you can spend, whether the month ends in the black and how much to save without feeling the pinch.
Connect accounts from Brazil's main banks through Open Finance
- Nubank
- Itaú
- Bradesco
- Banco do Brasil
- Caixa
- Santander
- Inter
- C6 Bank
- BTG Pactual
- XP
Connections run through Open Finance, regulated by Brazil's Central Bank, with your consent. Brand names belong to their owners and do not imply partnership.
What Ferb answers
Seven questions no bank statement answers.
No complicated charts. You ask, Ferb answers with your own numbers and points to the next step.
02
Will I end the month in the black?
+R$ 1,480
Yes. The month should close positive if your variable spending keeps its pace.
Why: Medium-confidence forecast: one power bill hasn't arrived yet and could shift the result by up to R$ 180.
03
Which expense is getting out of hand?
Delivery +38%
R$ 612 across 14 orders this month, above your 3-month average.
Why: Fridays and Saturdays account for 9 of the 14 orders.
04
What changed in my finances?
Card bill +R$ 820
Your current card bill is R$ 820 above average, and a new R$ 39.90 subscription showed up.
Why: Restaurants and rides explain 78% of the difference.
05
How much can I save without feeling it?
R$ 500 a month
Your free money drops to R$ 2,920, about R$ 162 a day until the 5th.
Why: Takes into account income, fixed bills, the card bill and the safety buffer you chose.
06
Can I make this purchase?
Yes, with a tweak
A R$ 4,800 laptop in 10 installments fits, but your Trip goal slips by 2 months.
Why: The R$ 480 installment takes the surplus that currently goes to the Trip.
07
What should I do right now?
Review 3 subscriptions
They add up to R$ 247 a month and were barely used. Cutting them puts the Trip back on track for Mar 2027.
Why: No usage detected in the last 60 days.
How it works
From bank data to a plan in motion.
Every piece of information becomes understanding, a decision or an action. You just confirm.
01 / 05
Connect
You connect banks and cards through Open Finance, with your consent. No spreadsheets, no manual tracking.
Connected accounts
Open Finance- Connecting
Main account
Checking account
- Connecting
Payroll account
Checking account
- Connecting
Digital account
Account and pots
- Connecting
Main card
Credit card
- Connecting
Extra card
Credit card
1.284 transactions organized
Consent active · revoke anytime
Free money
A number you can trust.
It's not your balance. It's what's left until your next paycheck after bills, the card bill and goals. And the AI explains every change.
Free money until Oct 5
R$ 0
R$ 190 a day · 18 days
Medium confidence
An estimate, not a guarantee. Updates with every new transaction.
How we calculate it
- Balance across accountsR$ 8,940
- Bills due until Oct 5−R$ 2,190
- Card bill−R$ 2,780
- Set aside for goals−R$ 400
- Safety buffer−R$ 150
- Free moneyR$ 3,420
Why it changed
Your safe limit dropped because the current card bill is R$ 820 above average and there are R$ 2,190 in bills due before your next paycheck.
Based on
- Main card bill
- 4 recurring bills
- Salary expected on Oct 5
Can I buy it?
Simulate before you buy.
Move the amount and the installments. Ferb shows the impact on your free money, upcoming card bills and goals right away.
Laptop
R$ 500R$ 10,000
1x12x
per installmentR$ 480
Simulation with fictional data. Interest-free installments.
Fits with a tweak
Up to R$ 4,440 in 12 installments fits without delaying goals.
- Free money until Oct 5
- R$ 2,940
- Trip goal
- Slips 2 months
- Emergency fund
- Untouched
Upcoming card bills
Purchase installment
3,260
Oct
2,940
Nov
2,870
Dec
3,000
Jan
2,890
Feb
2,930
Mar
Plans and automations
Good habits on autopilot. With you in control.
You understand the rule, see the impact and can pause, edit or cancel anytime. Everything stays in the history.
Goals
Emergency fund
On track42%R$ 8,400 / R$ 20,000R$ 780/mo until Dec 2027Trip
2 months behind36%R$ 1,620 / R$ 4,500R$ 480/mo until Mar 2027Apartment down payment
Getting started6%R$ 3,900 / R$ 60,000R$ 1,250/mo until 2030
Rule
ActiveMonth's surplus to the emergency fund
On the last day of the month, half of what's left goes to your emergency fund.
Expected in SeptemberR$ 370
PauseEditCancel
History
- Aug 31R$ 410 to the emergency fund
- Jul 31R$ 295 to the emergency fund
- Jul 12Rule created by you
Round-up savings
Every purchase is rounded up. The change goes to a savings pot that earns CDI at your own bank.
- BakeryR$ 18.40+R$ 0.60
- PharmacyR$ 47.15+R$ 0.85
- Ride appR$ 23.70+R$ 0.30
- GroceriesR$ 286.40+R$ 0.60
Saved this month
R$ 86
about R$ 1,030 in 12 months
Savings pot at your Main account
The money stays at your bank, in your name. Returns depend on the pot you choose.
9:41
Ferb
online
Today
Good morning, Julia. Your card bill closes in 3 days: R$ 2,780, R$ 820 above average. Restaurants and rides explain 78% of the difference.08:02
Message
Ferb on WhatsApp
Ask and get alerts where you already are.
Ferb talks over WhatsApp. It lets you know when something matters and answers in seconds, with your numbers.
- 01
Ask the way you'd ask a person
Can I order delivery today? How much did I spend on groceries? Ferb understands.
- 02
Alerts at the right time
Card bill about to close, balance that could get tight, a new charge. Only what matters.
- 03
Confirms before acting
Plans and automations only change with your OK, right in the chat.
Visible security
You always know what Ferb sees. And why.
Which data, what for, from which institution and when it was last updated. Renew or revoke with a tap.
Consent through Open Finance
You choose the institutions and the data you share.
Revoke anytime
Every connection can be ended at any moment.
The money stays in your name
Automations only between your own accounts, always with your authorization.
Isolated, encrypted data
Each person's data is kept separate, with access control.
No selling of data
Your financial data doesn't go to other products without consent.
Explainable AI
Every number shows where it came from. The AI doesn't make up transactions.
Your connections
Open FinanceInstitutionDataWhat forUpdated
- Main accountBalances and transactionsCalculate free money2 h agoActiveRevoke
- Main cardBills and limitsForecast the card bill2 h agoActiveRevoke
- Payroll accountBalances and transactionsForecast incomeExpires in 8 daysRenewRenew
Consents follow Open Finance Brasil rules.
Who it's for
For people who want practical guidance, not another report.
You have a predictable income, use two or more accounts and cards and manage to save, just not every month. Ferb was built for you.
This is you if you
- Don't know exactly where your money goes
- Want concrete goals like a reserve, a trip or an apartment
- Don't want to track everything by hand
- Prefer a clear recommendation over a chart
Coming soon
Smart investing
Suggestions to make your reserve and goals earn more.
Investment advisory
Guidance for bigger wealth decisions.
Couples and family
Shared finances with whoever splits the bills with you.
Personal and business
Personal and company accounts side by side, never mixed.
Variable income
Planning for people whose income changes every month.
Getting out of debt
A realistic plan to reorganize and pay it off.
Pricing
A whole financial system for less than a forgotten subscription.
Full plans come out at launch. People on the waitlist get in first.
starting at
R$ 49/mo
Prices in Brazilian reais (BRL).
Includes
- Accounts and cards through Open Finance
- Free money with explainable AI
- Can I buy it? simulator
- Automations with round-up savings
- Ferb on WhatsApp
Why join now
- Early access, before general availability
- Launch terms for the first cohort
- Direct line to the product team
No charge now. You decide when access opens.
Frequently asked questions
Does Ferb move my money?+
Only when you turn on an automation, like round-up savings. In that case the amount goes to a savings pot at your own bank, in your name. You see the rule first, confirm it and can pause, edit or cancel anytime.
How does Ferb connect to my banks?+
Through Open Finance, with your consent. You pick the institutions and the data, see when each connection was last updated and can renew or revoke it at any time.
Is my data safe?+
Each person's financial data is kept isolated, with encryption and access control. It isn't sold or shared with other products without your consent.
Do I need to log my spending?+
No. Transactions come in from your connected accounts and get categorized on their own. You only correct them if you want to.
What is free money?+
It's how much you can spend until your next paycheck without squeezing the month. The calculation considers your balance, upcoming bills, the card bill, goals and a safety buffer, and it's open for you to check. It's an estimate, not a guarantee.
How do round-up savings work?+
Every purchase is rounded up and the difference goes to a savings pot at your bank that earns CDI. Returns depend on your bank's product. You follow everything in the history and can switch it off anytime.
Does Ferb work on WhatsApp?+
Yes. You can ask about your money and get alerts on WhatsApp. Plans and automations only change with your confirmation.
Does Ferb recommend investments?+
Not yet. Smart investing and investment advisory are on the way. Today Ferb helps you organize, plan, save and decide on purchases.
When does it launch and how much does it cost?+
We're on a waitlist. Pricing starts at R$ 49/month (Brazilian reais). Join the list to get early access and the terms for the first cohort.
Join the waitlist.
Put your money to work.
Ferb is getting ready. Leave your name and email and we'll let you know when access opens.