Built in Portugal, for life in Portugal
All of your money, without typing a thing
Authorise your banks once. Transactions arrive on their own, already sorted, and your net worth settles itself every day without anyone writing a number.
- Banks connected through PSD2
- Expenses categorised on their own
- Portfolio from Interactive Brokers
- Net worth always current
- Data ready to analyse
Portfolio from Interactive BrokersFree to start · No credit card · Data hosted in the European Union
Net worth
12 months
148 320 €
+12,4%Portfolio
from Interactive Brokers
28 940 €
+56,5%- AAPLApple4340 €15%
- GOOGLAlphabet2890 €10%
- IWDAiShares Core MSCI World11 580 €40%
August budget
day 18 of 31
- Groceries214 / 320 €
- Restaurants142 / 150 €
- Transport58 / 180 €
- Home640 / 640 €
- institutions that connect themselves
- 12
- transactions typed by hand
- 0
- to see your first month sorted
- < 5 min
- European Portuguese inside
- 100%
Open banking
Connects to the banks you already use
Ten Portuguese banks, plus Revolut and N26. Authorise once, on your bank’s own site, and transactions arrive every day.
See every supported bank
And reads the portfolio where it lives
- Interactive Brokers
- Euronext Lisbon
- XETRA
- NASDAQ
- NYSE
- PSD2Regulated connection, read-only access
- GDPRExport or delete everything, in one click
- Data in the EUHosted and encrypted in the European Union
No commitment
Twenty minutes, with your own case in front of you
We show you Navefi on a video call, with the questions that matter to you: your bank, your kind of income, your household. No sales deck and no commitment.
- Twenty minutes, over video
- No sales deck
- If it does not fit, we say so
BoltTransport-€12.40
- ContinenteGroceries-€71.30
AuchanGroceries-€63.80
- NetflixSubscriptions-€13.49
Millennium BCPsynced 6 h ago · Current account€2,480.15
Caixa Geral de Depósitossynced 6 h ago · Savings€11,200.00- Revolutsynced 9 h ago · Multi-currency€318.40
Coverflexsynced 14 h ago · Meal card€162.80
The problem is not willpower. It is time.
Willpower is not the problem. A trustworthy picture is, without losing an evening a month.
How it is today
- Money spread across six places
- International apps that do not know what a meal card is
- A spreadsheet that lasts three months
- Two hours a month copying statements
- Never knowing exactly what you are worth today
How it becomes
- One number, with everything inside it
- Meal cards, MB Way and income tax already understood
- Transactions arrive on their own, already sorted
- Zero entries typed by hand
- Net worth settles itself every day
Genuinely automatic
Connect once. Never type a transaction again.
The two things Navefi does on its own.
Banks connect, and stay connected
You authorise once, on your bank’s own site. After that, transactions arrive daily, already sorted.
- Ten Portuguese banks, plus Revolut and N26
- Daily sync, with no statements to export
- Read-only access, revocable at any time
- Millennium BCPsynced 6 h ago · Current account€2,480.15
- Caixa Geral de Depósitossynced 6 h ago · Savings€11,200.00
- Revolutsynced 9 h ago · Multi-currency€318.40
Net worth updates itself
Accounts, ETFs, the flat valued against the INE index, and the mortgage on the other side. The line grows without anyone typing a number.
- Account balances kept current by the bank connection
- Portfolio imported from Interactive Brokers, once a day
- Property revalued using the official index for your municipality
Want to see this with your own case in front of you?
On a twenty-minute call we show these same screens and, if you want, connect your bank live.
One app, six jobs
Navefi replaces what usually takes four separate applications and a spreadsheet.
Bank sync
Connect Portuguese banks under PSD2 and let transactions arrive every night.
Transactions
Expenses, income, transfers and unreviewed bank lines, in one statement.
Spending
Where the month went, by category, counted at net cost.
Calendar
The whole month ahead: what already left, what is still due, what is coming in.
Budgets
Category limits that start on the day you get paid, and warn at 90%.
Subscriptions
Finds repeated charges in your statement and shows the cost per month and per year.
How it works
Three steps. The first takes under five minutes.
1
Connect your accounts
Pick your bank and approve the connection on the bank’s own site, with your usual credentials. Navefi only receives read access to your transactions. It never holds your password. Rather not connect? Import a statement in PDF or CSV.
Connected banksRead-only access, under PSD2- Millennium BCPsynced 6 h ago · Current account€2,480.15
- Caixa Geral de Depósitossynced 6 h ago · Savings€11,200.00
- Revolutsynced 9 h ago · Multi-currency€318.40
2
Let it sort things out
Every transaction gets a category on arrival. Correct one and Navefi learns the rule for that merchant, then stops asking. After two weeks, almost nothing needs you.
Recent transactionscategorised without being asked- ContinenteGroceries-€71.30
- NetflixSubscriptions-€13.49
Cinema NOSLeisure-€17.00
- iCloudSubscriptions-€2.99
- LidlGroceries-€52.15
3
Decide on real numbers
Budgets that warn you before they break, net worth kept current, a forecast of your end-of-month balance, and an assistant that answers "can I spend 400 euros this month?" with your actual situation in front of it.
Net worth€148,321+12,4%over the last 12 months
- Millennium BCPsynced 6 h ago · Current account€2,480.15
- Caixa Geral de Depósitossynced 6 h ago · Savings€11,200.00
- Revolutsynced 9 h ago · Multi-currency€318.40
Portugal
Built for Portugal, not translated into it
The differences that look small are the ones that decide whether an app is usable here.
The meal card, handled properly
A balance that only loads on working days, and stays out of your grocery budget.
MB Way, references and Multibanco
An MB Way payment is money that left. Tax and utility references are recognised.
IRS and deductible expenses
Health, education and housing tracked against the IRS ceilings, with the headroom left.
A transfer is not income
A friend paying you back for dinner is not salary, so your savings rate does not lie.
Real Portuguese banks
CGD, BCP, Novo Banco, Santander, BPI, Montepio, Bankinter, Crédito Agrícola, ActivoBank, Banco CTT, Revolut and N26.
European Portuguese throughout
Written in European Portuguese, from the first screen to the support email. The English version is here for everyone else.
- Conta à ordemCurrent account€2,480.15
- PoupançaSavings€11,200.00
- RevolutMulti-currency€318.40
IRS deductions
current year
- Health640 / 1000 €
- Education180 / 800 €
- Housing502 / 502 €
Headroom left: 978 €
Subscriptions
282 €/year
- Spotifymonthly6,99 €
- iCloudmonthly2,99 €
- Netflixmonthly13,49 €
Your banking data is not our product
We live on the subscriptions of the people who use us. That is why we can write this with no small print: we do not sell or share your financial data.
- Connected through PSD2, approved on your bank’s own site
- Read access only. We cannot move your money
- Data hosted in the European Union and encrypted
- Export everything, or delete your account, in one click
Net worth
12 months
148 320 €
+12,4%Balance forecast
90 days
Lowest point: 412 € on 7 September
Investments
The portfolio arrives on its own, and net worth knows it
The Interactive Brokers connection is read-only, once a day. Positions, value and gain appear without exporting anything — and feed straight into your total net worth.
- Daily import from Interactive BrokersA read-only connection through the official service. Navefi places no orders and never touches the account.
- Prices every dayShares and ETFs valued on the venues they trade on, with FX when a position is not in euros.
- Growth kept apart from contributionsWhat the portfolio earned is not confused with the money you put in. Almost no app gets this one right.
- Interactive Brokers
- Euronext Lisbon
- XETRA
- NASDAQ
- NYSE
Another broker? Enter the positions once and Navefi keeps the prices current from then on.
See the investments page- IWDA.ASiShares Core MSCI World UCITS ETF€11,58040%
- VWCE.DEVanguard FTSE All-World UCITS ETF€5,79020%
- AAPLApple€4,34015%
- GOOGLAlphabet€2,89010%
- GALP.LSGalp Energia€2,89010%
- EDP.LSEDP — Energias de Portugal€1,4505%
And three more that almost no app does
All of them work on the same transactions, and ask you for nothing.
Categorises with AI, and learns
Every transaction arrives with a category. Correct one and Navefi keeps the rule for that merchant, then never asks again.
- ContinenteGroceries-€71.30
- NetflixSubscriptions-€13.49
- iCloudSubscriptions-€2.99
- LidlGroceries-€52.15
Groups for the bills you share
The shared house, the couple, the friends. Split equally, by amount, by percentage or by shares — and your part lands in your own figures.
Gerês trip
4 people
Your balance
+ 64,30 €
owed to you by the group
To settle up
- TomásYou22,10 €
- InêsYou42,20 €
Trips that give three answers
What the trip cost you, what it cost everyone, and what moved through your accounts. Different numbers, and almost no app produces all three.
Weekend in Seville
4 days · 2 people
412,00 €
Everyone1 236,00 €- Stay186,00 €
- Food141,40 €
- Transport84,60 €
Linked to the group · 412 of a 600 € budget
What it costs, and against what
69 € a year. Less than the subscription you forgot to cancel.
What you pay for is one thing: no longer being the person who feeds the application.
That is 5.75 € a month, paid once. Month by month it is 7.99 €.
8 to 14 €a month
That is what one streaming subscription costs
Navefi lists the ones you have running and warns you before they charge.
~2 ha month
That is what the statement evening usually takes
Download PDFs, paste into a sheet, fix categories. It becomes daily, and without you.
4applications
The bank, the other bank, the broker and Excel
None knows the others exist, so none can tell you the total.
1question
What is it worth, exactly, today
With the flat revalued by the INE index and the mortgage on the other side.
If Navefi finds you one forgotten subscription a year, it has paid for itself.
Honest pricing, no surprises
Start free, stay free, with statement import. Pay when you want the automatic bank connection.
Base
Free
For getting your house in order without paying anything.
Automatic
69 €/year
For never importing a statement again.
Wealth
129 €/year
For investments, property or a business on the side.
Frequently asked questions
Is Navefi safe? Does it have access to my money?
Navefi has read-only access to the transactions you authorise. You give that authorisation on your own bank’s website under PSD2, and your credentials are never shared with us. Navefi cannot make transfers or payments from your account, and you can revoke access at any time, either in the app or at your bank.
Which Portuguese banks work with Navefi?
Caixa Geral de Depósitos, Millennium BCP, Novo Banco, Santander Totta, BPI, Montepio, Bankinter, Crédito Agrícola, ActivoBank, Banco CTT, plus Revolut and N26. If your bank is missing, you can import statements in PDF or CSV and use every other feature exactly the same way.
How much does Navefi cost?
The Base plan is free forever and includes statement import, automatic categories, budgets and 20 assistant questions per month. The Automatic plan costs 69 euros per year, or 7.99 euros per month, and adds automatic bank connections. The Wealth plan costs 129 euros per year, or 14.99 euros per month, and adds cash-flow forecasting, property valuation and business account separation.
Do I have to connect a bank to use Navefi?
No. You can use Navefi with statement imports or manual entries only. The bank connection saves you time, but nothing depends on it.
Does Navefi work on a phone?
Yes. Navefi runs in the browser on any phone, tablet or computer, and installs to your home screen like any app — its own icon, opening full screen. Native iOS and Android apps are in preparation; until then you lose nothing, because it is the same Navefi with the same data.
Is Navefi available in English?
Yes. The app runs in European Portuguese and in English, and you can switch at any time.
Can I share finances with my family?
Yes. Household members are included on every paid plan at no cost per person. Each person keeps their own login and sees the shared workspace.
How do I cancel?
One click in settings, no phone call and no questions. You keep access until the end of the paid period and can export everything first.
See your last month sorted today
Create an account, import a statement or connect a bank, and get the first honest picture of your finances before your coffee goes cold.
No credit card required
Today it runs in the browser and installs to your phone’s home screen. Native iOS and Android apps are in preparation.