Get out of debt with clarity, not promises.

No. Revenue comes from premium features, not from credit referrals. There are no leads for third parties, no lender commissions, no renegotiation partnerships.

We are opening access in waves. Join the waitlist and you will get an invite straight to your email when your spot is ready.

Yes. In that case we skip the strategy step and go straight to the plan with effort scenarios (conservative, recommended, aggressive).

The engine recognizes and flags the situation in the diagnosis. The generated plan includes a note about infeasibility and the only available scenario becomes Conservative. The product starts from your reality, it does not deny it.

No. If you do, the Highest Interest First strategy becomes more precise. If most of your debts do not have interest rates entered, the engine suggests Smallest Balance First, which works well even without that data.

Yes. The engine treats overdue status as a priority factor: debts with active collection or legal risk rise to the top, even if the interest rate is lower. This is intentional. In real life, practical risk sometimes outweighs interest.

It depends on your situation. Highest Interest First saves more on interest when you have good rate information. Smallest Balance First delivers the first win faster and helps maintain motivation. Urgency First attacks what can hurt you right now — actively overdue debts, assets at risk of repossession. The engine analyzes your profile and recommends the best fit, and you can switch at any time.

All data is editable at any time. When you change income, expenses, or debts, the app suggests a plan recalculation and you see the impact before confirming. Starting with approximate values is accepted.

Yes. Strategy (Smallest Balance First, Highest Interest First or Urgency First) and effort scenario (conservative, recommended, aggressive) can be changed in the Active Plan at any time.

The monthly amount allocated to it (minimum plus extra) is automatically redistributed to the next debt in line. This is the cascade effect: your plan shortens on its own as you pay off debts.

It is not mandatory. The check-in is a 1-minute shortcut to record a payment, extra income, or unexpected expense. If nothing changed, just mark that, or simply skip it.

Fourteen types in four categories: credit and loans (credit card, personal loan, payroll loan, overdraft, installment plan), financed goods (vehicle, property), bills and services (utilities, rent/condo, school fees) and other situations (debt to a person, taxes, judicial debt, other).

Name, email, and password for authentication. Income, fixed expenses, balance, savings, and the list of debts you registered. Check-in history (payments, extra income, unexpected expenses). No government ID, no bank data, no documents.

In the current version, no. Registration is manual: you type it, you control it. No bank credentials, no bank login. You decide what goes into the plan.

Yes. Infrastructure with a provider that has presence in a Brazilian region. Processing and storage follow LGPD.

Not commercially. There are technical vendors (hosting, email delivery, generation of the diagnosis text), with minimal access to what the service needs to work. We are in the process of formalising data processing agreements with each of them. None of them receive your financial data for commercial or advertising purposes. The current list is in the Privacy Policy.

In the Profile tab, "Danger zone" section, confirm with your password. Deletion is irreversible and immediate. Financial data goes with it, no shadow backup. You can also request an export before deleting.

On this page, right now, none. There is no analytics tool installed here: no tracking cookies, no fingerprinting, nothing sent to marketing third parties. If we adopt one, it will be the kind that measures aggregates only (page, source, conversion), and the Privacy Policy will be updated first. Inside the app we do use usage measurement and crash reporting, described in the Policy.

The app AI is a contextual engine, not a model trained on your data. It generates explanations in human language from the calculations, but does not learn from you, is not fine-tuned, and does not send your data to external models.

Yes. A single tap on the eye icon on the Home screen masks all values, useful if someone is looking at your screen.

PlanoQuita is a paid product. Plans and pricing will be announced at launch. Revenue comes from the people who use the app, not from lenders. No commissions from those who lend. No data sales.

No. No banners, no "special offers," no sponsored content. The product exists to reduce your debt, credit advertising does not belong in that scope.

Yes. Social authentication (Apple and Google) is available on the Welcome screen. If the provider does not return your name, we ask once and move on.

On the login screen, tap "Forgot your password?" to receive a recovery link in your email.

By email at oi@planoquita.com.br. We respond within 2 business days.