Can I afford it? How to decide before you buy
Learn how to tell if you can afford something before you swipe your card, with a monthly free-money calculation, a five-question test and examples in reais.
10 min read
Otto Blog
Practical, honest guides to organize your money in Brazil, with examples in reais and official sources.
Budgeting
How to organize your monthly money: budgeting methods, spreadsheets or apps, and buying decisions.
How to track expenses in Brazil, in 7 practical steps
Learn how to track expenses with a simple 7-step method, real examples in reais and a 15-minute weekly routine that fits real life in Brazil.
10 min read
The 50/30/20 rule: how to split your income and adapt it to Brazil
Understand the 50/30/20 rule, see how to apply it to take-home pay with examples in reais, and learn how to adapt it when fixed costs go over 50%.
9 min read
Couples and money
Splitting bills, joint or separate accounts and how to talk about money as a couple.
How couples can split bills fairly (proportional to income)
See how couples can split bills fairly, compare 50/50, proportional to income and a shared pot, and run the numbers with examples in Brazilian reais.
9 min read
Emergency fund
How much to keep, where to park it and how to build it on a steady or variable income.
Emergency fund: how much to save and how to calculate yours
Find out how much emergency fund you need based on your living costs, with examples in reais for employees, freelancers and couples, plus a plan to get there.
10 min read
Open Finance
What Open Finance Brasil is, how consent works and why it is safer than sharing passwords.
Is Open Finance safe? Real risks and how to protect yourself
Is Open Finance Brasil safe? See its layers of protection, the real risks, how to spot fake consent screens and a checklist for connecting your account calmly.
9 min read
What is Open Finance in Brazil and how it changes your finances
Understand what Open Finance Brazil is, how consent-based data sharing works, what it changes for you and how to use it safely in your everyday finances.
10 min read
Security and scams
Protecting yourself from Pix scams and using AI for your finances safely.
AI for personal finance: how to use it safely to organize your money
Learn how to use AI to organize your finances safely, what never to share with a chatbot and how to double-check the numbers AI calculates for you.
9 min read
How we create our content
Every article is written and reviewed by the Otto team and checked against public, official sources linked in the text. When a figure changes often (such as Brazil’s Selic rate or inflation), we do not hardcode it: we show where to check the current value.
Our content is educational and is not individual investment, legal, accounting or tax advice. We review articles when rules change and show the last update date. Found something to fix? Email contato@ottofin.app.