Security and scams
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
Tobbo Team
The Tobbo Team is the group building Tobbo Finanças, the personal and couples finance app by Caotec Serviços em Tecnologia Ltda, from São Carlos, Brazil. Articles are signed collectively: writers and reviewers are part of the same product team.
Every article is checked against public and official sources, such as the Central Bank of Brazil, Receita Federal, Tesouro Direto, B3, FGC and IBGE, linked in the text. We do not fix rates that change often and point to where to check the current value.
We are not certified financial planners or investment advisors. Content is educational and does not replace individual professional advice. Corrections and suggestions: contato@tobbofin.com.
Articles by the Tobbo Team
Budgeting
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.
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Emergency fund
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.
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Couples and money
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.
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Budgeting
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.
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Open Finance
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
Budgeting
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
Open Finance
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