← Projects

Independent product · live

Cartteira

A personal finance platform to organize expenses, cards, installments, and financial information, with smart features that make everyday tasks easier.

cartteira.comSee details
Type
Independent product
Status
Live
Confirmed technologies
Go · React · Artificial intelligence
Role
Own product — product and engineering
Página inicial do Cartteira
Capture of cartteira.com

Problem and opportunity

Financial control without handing over bank access.

Many finance apps depend on connecting your bank account, which brings sync failures and privacy concerns. Cartteira's premise is different: users record what happens, confirm it, and stay in control, using names they understand for cards, installments, and people.

The opportunity is to make that record fast enough to become a habit, and to use technology to reduce effort, not to make decisions for the user.

Vision and product decisions

No bank connectionA product decision, not a limitation: the user records and confirms.
Cartteira suggests; you decideNothing enters the records without explicit confirmation.
The user's namesCards, limits, and people appear the way the person calls them.
Privacy as a principleNo ads and no data sales, as the product states publicly.

User experience

From expense to record in three steps.

Logging an expense means writing a sentence, sending a screenshot, or the card statement PDF. The product builds drafts with a suggested category, card, and installments; the person reviews and confirms.

SentenceScreenshotCard statement PDF
Suggested draft
You confirm
Recorded

Flow illustration. Not a product screen.

Real features

Smart entryA sentence, screenshot, or statement PDF becomes drafts to review.
Cards and statementsEach purchase goes to the statement that closes; installments spread across months; there is a projected balance and a “Paid the card” action.
Limits and goalsMonthly limits per category and subcategory, income goals, and alerts near the limit.
ReimbursementsLinks a shared expense to a person, tracks what has been paid back, and generates a summary to send. The app does not charge anyone.
Accounts and transfersBills payable and receivable, with a calendar.
Meal and benefit cardsSeparate wallets for food and meal benefits.
ReportsCustom categories and CSV export.

Architecture and technologies

GoReactArtificial intelligence

Go and React are the confirmed technologies of the product. The application runs in the mobile or desktop browser and can be added to the home screen.

Artificial intelligence features

AI is a feature of the product, not its only differentiator.

In Cartteira, AI helps turn informal input into structured records: it reads sentences, pasted text, screenshots, and PDFs and proposes a category, card, and installments. Suggestions based on the user's history are computed on the device itself.

The design is deliberate: AI reduces the typing, and confirmation remains human. The product's value is in cards, statements, limits, and reimbursements working well together.

Deliverables

Live productPublished at cartteira.com, with a trial period and plans.
Entry flowBy sentence, screenshot, or PDF, with review before saving.
Financial managementCards, statements, limits, goals, reimbursements, bills, and reports.

Demo

See the product live.

Cartteira is live. The best demo is the product itself.