What is guito

guito brings your personal finances together in one place. The core idea is simple: instead of your money being scattered across several banks, brokers, and spreadsheets, it all comes to live in a single net-worth view. Bank accounts, investments, property, credits, and cash sit side by side, with values updated automatically. It is built for Europe, with Portugal first. This page explains what guito is and how to think about it. To start using it, see Create your account and Connect your bank.

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Everything in one place

Instead of jumping between several banks, brokers, and spreadsheets, guito aggregates it all: From this data, guito calculates your net worth: the sum of all assets minus liabilities. The Overview page shows that figure, the breakdown by category (Accounts, Investments, Property, and Credits), an evolution chart over time, and your largest positions.

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How it is organized

The app is split into sections, reached from the sidebar (on desktop) or the bottom bar (on mobile). The Overview is the starting point: it shows your net worth, the evolution charts, and your largest positions. From there, the Net worth section groups the pages where you manage each part: Accounts, Investments, Property, and Credits. Transactions bring together the list of bank transactions, your recurring commitments, and your yearly statement, while Calculators offer financial simulators such as compound interest, FIRE, and taxes. The logic is always the same: every section feeds the single net-worth figure you see on the Overview.

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How your data reaches guito

Your net worth is only current if the data behind it is too. There are three ways to keep it that way, and guito combines them depending on the type of asset:

• Automatic sync (open banking). For bank accounts, transactions and balances arrive on their own once you connect the bank; access is always authorized at your own bank. This is the path described in Connect your bank.
• Market quotes. For investments, your portfolio is built from the buys and sells you record, and the market value updates automatically from live quotes.
• Manual entries. For anything that does not sync (property, credits, and accounts without an automatic connection), values are managed by hand and feed the calculation in the same way.

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Built for Portugal and Europe

guito is designed for people living in Portugal and across Europe. It supports local instruments such as Portuguese savings certificates (Certificados de Aforro), side by side with international stocks, ETFs, and funds, all in the same portfolio.