Your debt payoff ally
Your debts, organized. One next step at a time.
PlanoQuita is an app that organizes your debts, recommends where to start and explains why. You choose the pace and follow every step forward. On your side, never on the creditor’s side.
- Coming soon toApp Store
- Coming soon toGoogle Play
The links to download PlanoQuita will appear here once the app is published on the App Store and Google Play.
It happens to a lot of people
It is not a lack of effort. It is a hard choice, made with information scattered everywhere.
A credit card bill in one app, a loan in another, the overdue electric bill and the money you owe a family member. When everything is scattered, every choice feels wrong. The first step is seeing the whole picture.
- The debt that charges the most may not be the one that weighs most on your life.
- Paying the minimum keeps the account current, but it may not bring the balance down.
- Each debt has a different cost and a different consequence.
- Due dates are spread across the month, each one arriving through a different channel.
- When the money does not cover everything, someone has to decide where to start.
The picture in Brazil
Debt is part of life for most families.
The latest figures show you are not the exception. Each figure comes with its source and reference month.
Having debt is common. Organizing your way out is what makes the difference.
- Brazilian families with some debt, current or not82%
- Families with at least one overdue bill29.9%
- Brazilian adults on a credit bureau list for late paymentHalf
- Listed debts that are basic bills, such as electricity and water21%
Organization
All your debts in one place, no spreadsheet.
From your credit card to overdue rent, from the electric bill to the money you owe a family member. You record each debt in its own way, without connecting a bank account and without sending any document.
- Debts that never show up on a credit report count too
- Interest rates are optional: "I don’t know" is a valid answer
- Everything can be corrected later
Clarity
Your situation, explained in words.
The app shows how your month looks, what needs attention now and what can wait. In plain language, without banking jargon.
- How much is left in the month after bills and installments
- What needs attention now, and why
- Your rights as a consumer, when your situation calls for it
Strategy
Which debt to pay first, with the reason in plain sight.
PlanoQuita works with three solid payoff strategies. It recommends the one that makes the most sense for your situation and explains why. The others stay in view, and you are the one who decides.
Pace
A plan at a pace that fits your month.
You choose how much to speed up: more breathing room in the month or more speed. When a pace gets too tight, the app warns you before you confirm. When the month’s numbers do not add up, it tells you so clearly.
What if I paid a little more?
- A little more
- Minimum only
Follow-through
Life changes. The plan keeps up.
A quick check-in, as often as you choose, records what happened: a payment, some extra money, an unexpected expense. You see the effect on the plan before accepting any change.
- Weekly or monthly check-in, on the day you choose
- Discreet reminders: the lock screen never shows an amount
- Your month changed? You change the pace
Progress
Every payment shows. Every debt paid off counts.
Your total balance drops with every payment you log, and you watch it happen. Progress milestones, your run of check-ins and the history of everything you have done help you keep going.
Total debt balance
Where this month’s money went
- R$ 1.180,00Debt installments
- R$ 200,00Extra toward debts
- R$ 260,00Unexpected expense
Your month
Where the money went, without doing the math.
The monthly report brings together what you paid, the extra money that went to your debts and the unexpected expenses. At the end of the year, the yearly report shows the whole path.
Before and after
What changes when your debts get a plan.
Before
With PlanoQuita
BeforeDebts scattered across apps, payment slips and conversations.
With PlanoQuitaAll in one place, including rent and the debt with a relative.
BeforeYou decide where to start in the dark.
With PlanoQuitaThe app recommends a path and explains why. You choose.
BeforeOne unexpected expense and the math you did on paper stops making sense.
With PlanoQuitaThe check-in shows the effect before you update the plan.
BeforeHard to tell whether whoever offers help also wants to sell you credit.
With PlanoQuitaAn app with no credit products and no revenue from creditors.
Technology on your side
Technology organizes. The decision is yours.
PlanoQuita reads the numbers you provide, points out what needs attention first and explains the reason for its recommendation in plain language. You see the alternatives, choose the pace and change your mind whenever you want.
- Explanations in simple language
- Recommendations with the reason
- A new forecast before any change to the plan
- "What if" simulations without touching your plan
On your side
On your side. No other interest.
None of our revenue comes from creditors. That is what keeps the plan on your side.
- We do not offer loans, refinancing, credit cards or any other credit product.
- We do not receive commissions or payments from creditors, banks or collection agencies.
- We do not sell or rent your data.
- There are no ads, sponsored links or credit partnerships in the app.
Who it is for
See whether PlanoQuita is right for you.
It is for you if
- You have more than one debt and do not know which to pay first.
- You pay on time, but your month does not add up, and you want to keep it from getting worse.
- You want a plan that keeps up with real life, not a calculation done once.
It is not for you if
- You are looking for a loan, a credit card or refinancing. PlanoQuita does not offer credit.
- You want someone to negotiate with the creditor for you. The app shows the way, the agreement is yours.
- You need legal guidance for a lawsuit. Procon offers guidance at no cost, and the Public Defender’s Office assists people who cannot afford a lawyer.
Price
Today, using PlanoQuita costs nothing.
There is no charge and no limit on the number of debts. If a paid plan is launched, you will see the price, what is included and how to cancel before signing up, and you only pay if you choose to.
Questions about priceHow to start
From your first sign-in to your plan, in three steps.
- 01
Tell us how your month looks
In the app, create your account with email, Google or Apple and enter your income, fixed expenses, balance and emergency fund.
- 02
Record your debts
One at a time, each in its own way. Then read the diagnosis: your situation in words and what needs attention now.
- 03
Choose the path and the pace
The app recommends and explains, you decide. Also choose your check-in day, weekly or monthly.
Which debt should I pay first?
The app recommends where to start based on what you tell it about your situation, and explains why. PlanoQuita works with three solid payoff strategies: you see the other options and choose. See how the plan works on the How it works page.
Does the app negotiate my debts or offer loans?
No. PlanoQuita does not offer credit, does not negotiate for you, does not broker agreements and does not receive commissions from creditors. It organizes, explains and follows along. When your situation calls for it, it points out your rights as a consumer, and the decision is yours.
Do I need to connect my bank account?
No. You type in whatever you want to share. No bank password, no connection to your account.
Do I have to pay to use it?
Today, using PlanoQuita costs nothing: there is no charge and no limit on the number of debts. The planned model is a subscription paid by the people who use it, while keeping a way to use it without paying. If a paid plan is launched, you will see the price, what is included and how to cancel before signing up, and you only pay if you choose to. If the terms change, you will be notified in advance. None of our revenue comes from creditors.
Does the app guarantee I will pay off my debts?
No. The app shows a forecast based on what you provide and what you log. The result depends on what happens in your month. When something changes, you see the new forecast and decide whether to update the plan.
Start with the next step.
PlanoQuita is an app for iPhone and Android. The download links will appear here once it is published in the stores. Have a question? Write to us. We read everything.
- Coming soon toApp Store
- Coming soon toGoogle Play