What Fikko does

Fikko is a Brazilian web-based personal finance management platform purpose-built for households — primarily couples, families, roommates, and event-based groups — that need to organize and split shared expenses. Founded in 2022 by Alexia and Guilherme Machado as a bootstrapped operation under the legal entity AF Design de Serviços Ltda in São Paulo, the company targets a pain point the founders experienced personally: managing finances across separate bank accounts while sharing household costs. The platform imports statements from multiple Brazilian banks (Nubank, Itaú, Bradesco, Santander, Inter, C6 Bank, Caixa, Banco do Brasil) in PDF, CSV, and OFX formats, applies AI-driven transaction categorization that learns per-user behavior, and configures split rules (50/50, proportional to income, or custom percentages) with real-time balance tracking across family groups with selective data sharing.

The technical stack centers on a privacy-first architecture: envelope encryption with per-user and per-family data keys, LGPD compliance, and infrastructure running on Neon (Databricks) Postgres, Railway backend hosting, AWS object storage, and Cloudflare CDN/security. Core capabilities include the AI categorization engine, the multi-format statement parser, event-based expense tracking for trips and moves, and a planned Open Finance integration that would shift data ingestion from manual uploads to direct bank APIs. AI features extend into a planned WhatsApp AI assistant and guided AI planning module bundled in the higher tier. Analytics and growth tooling include PostHog, Hotjar, Google Analytics/Ads, and dbt Labs.

Fikko operates a freemium subscription model with a 15-day free trial that does not require a credit card. Plano Simples is priced at R$19.90/month with two included licenses for couples; Plano Pro is listed at R$40/month and is currently gated behind a waitlist, adding budgets, goals, simulations, WhatsApp AI, and Open Finance. Distribution is entirely self-serve via fikko.com.br, supported by content marketing, SEO, Google Ads, and two free lead-magnet tools (a bank statement converter and a financial spreadsheet template). The company has 1–10 employees, is bootstrapped with no external funding, operates only in Brazil, and has no native mobile apps today, though mobile is on the roadmap.

Name

Fikko

Legal name

AF Design de Serviços Ltda

Website

https://fikko.com.br

Company type

Private

Founded year

2022

Operating status

Operating

Headcount range

1–10 employees

Short description

Fikko is a Brazilian web-based personal finance platform that helps couples, families, and roommates organize and split shared household expenses, using AI-powered transaction categorization across multiple Brazilian bank statement formats under a privacy-first, LGPD-compliant architecture.

Ownership category

akta.pro rank

Headquarters

HQ city

Rio De Janeiro

HQ country

Brazil

HQ region

Latin America

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Personnel, Technology or R&D, Infrastructure, Marketing or Sales, Operations

Revenue model

1. Subscription - Plano Simples: Monthly subscription at R$19.90 (equivalent to R$0.66/day) offering core expense sharing, categorization, unlimited families, and partner license. Annual billing includes 2 months free.
2. Subscription - Plano Pro: Premium tier at R$40/month including budgets, goals/simulations, WhatsApp AI assistant, guided planning AI, and Open Finance integration. Waitlist-based rollout.
3. Free Tier with Conversions: Free tier with limited conversions (3 without account, 5 with free account). Serves as acquisition funnel for paid subscriptions.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Fikko is a web-based SaaS platform that helps Brazilian couples and families import bank statements (PDF, CSV, OFX) from major Brazilian banks and use AI to automatically categorize transactions, apply configurable expense division rules between members, and track real-time balances. It sells a tiered subscription (Plano Simples at R$19.90/month, Plano Pro at R$40/month) with a 15-day free trial, and offers free standalone tools (Bank Statement Converter, Personal Finance Spreadsheet) as acquisition funnels.

Product overview

Fikko is a web-based personal finance management platform designed specifically for couples and families sharing expenses. The core Fikko platform (accessed via browser without native app installation) offers shared financial visibility with privacy controls, automatic AI-powered transaction categorization, configurable expense division (50/50, proportional, or custom), real-time balance tracking between members, family groups, and event-based expense management. The platform is complemented by free tools including a Bank Statement Converter (Conversor de Extrato) that transforms PDF, OFX, and CSV files into Excel spreadsheets, and a Personal Finance Spreadsheet template for Excel/Google Sheets. The product operates on a tiered model with a Free Trial (15 days), Plano Simples (R$19.90/month with core features and 2 licenses), and Plano Pro (R$40/month adding budgets, goals, WhatsApp AI, and planned Open Finance integration).

Differentiator

Problem solved

Functional benefit

Products and services

• Fikko Platform Web-based shared financial management platform for Brazilian couples and families that imports bank statements (PDF, CSV, OFX) from major Brazilian banks, uses AI to automatically categorize transactions, applies configurable expense division rules (50/50, proportional to income, or custom), and tracks real-time balances between members with selective privacy controls.
• Conversor de Extrato Bancário (Bank Statement Converter)

Quantifiable outcome

• 53% of Brazilian couples fight about money (Serasa 2025)
• +2 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration10 records

AI capability4 records

Feature6 records

Partnerships

Five partnerships are on record, tiered core.

• Pagar.mecoreTechnology or IntegrationPayment gateway partner processing credit card subscriptions for paid plans. Payment data transmitted directly to Pagar.me servers, never touching Fikko infrastructure. Handles recurring billing for monthly and annual subscriptions.
• Neon (Databricks)coreTechnology or IntegrationDatabase infrastructure provider. User and financial data stored on Neon's cloud infrastructure. Neon was acquired by Databricks, expanding cloud capabilities.
• Amazon Web Services (AWS)coreTechnology or IntegrationCloud storage provider for user files including avatars and other assets stored on AWS infrastructure.
• RailwaycoreTechnology or IntegrationBackend hosting and infrastructure execution platform for running Fikko's backend services.
• CloudflarecoreTechnology or IntegrationCDN, security, DDoS protection, and traffic routing. Processes IP addresses and request metadata.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Honeydue: US-based personal-finance app built specifically for couples to share budgets, bills, and balances with privacy controls. Closest functional peer to Fikko's couple-first positioning and selective-data-sharing model.
• Wallet by BudgetBakers: Personal-finance app with multi-bank sync, budgeting, and shared wallets across web and mobile. Directly comparable on multi-bank aggregation and shared-expense features, with broader international footprint.
• Spendee: Multi-currency expense-tracking and budgeting app with shared wallets for families and couples. Comparable on shared-budget functionality, automatic categorization, and subscription pricing model.
• Mobills: Brazilian personal-finance app focused on credit-card invoice management, budgeting, and expense categorization. Competes for the same Brazilian consumer wallet, with stronger native-mobile presence.
• Organizze: Established Brazilian personal-finance app for budget tracking, account aggregation, and category management. Direct competitor in the same Brazilian market and overlapping customer base, though positioned for individuals rather than couples.
• Splitwise: Global expense-splitting app for groups, roommates, couples, and trips. Most directly comparable to Fikko's core "divide shared expenses and track who owes whom" mechanic, though Splitwise is group/roommate-led rather than couple/family-led.
• Money Lover: Cross-platform personal-finance and budgeting app with shared wallets and event-based expense grouping. Comparable on subscription pricing, event grouping, and shared-wallet mechanics.

Broad incumbents

• Guiabolso (PicPay): Former leading Brazilian personal-finance super-app with Open Finance aggregation; acquired by PicPay in 2021. Represents the scaled, broad-incumbent version of the category Fikko is entering.
• Rocket Money: US-based subscription personal-finance app combining budgeting, subscription-cancellation, and bill negotiation. Comparable as a consumer subscription fintech with AI-driven categorization and bank-linking, though targeting a different geography.
• YNAB (You Need A Budget): Established subscription-based budgeting methodology and tool with strong direct-to-consumer brand. Comparable as a higher-ARPU, subscription-led budgeting alternative rather than a Brazil-market direct competitor.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Fikko