Month overview
Balance, income, spending and an end-of-month projection on the first screen. When there is no activity, it says so — instead of drawing empty charts that tell you nothing.
Features
Everything OAZE does
Personal finance features, all in one place with no duplication. At the end of the page we also show what the product deliberately does not do.
What OAZE does
Transactions
Income, expenses and transfers between accounts. Installments that land in the right months, not all in the first one. Notes, category and payment method on each.
Accounts
Checking, savings, cash, investment. The balance of each one and the total, with internal transfers that don't count as spending — because they aren't.
Credit cards
Statements by closing cycle, not by calendar month. A purchase on the 28th may land on next month's statement, and here it lands where it really does. A paid statement comes out of the balance of the account you choose.
Categories
Yours, with the historical weight of each one. The category that grew shows up in the comparison on its own, without you having to look for it.
Budget
A limit per category, with how much has been used and how much is left. Overspending shows up before it happens, not at month end.
Goals
How much is left, how much per month, and the date you'll get there at your current pace. A calculated deadline, not a guess.
Recurring items
Rent, subscriptions, tuition. Add it once and it shows up every month on the right day, with an optional end date.
Calendar
Your money's schedule: what comes in and what goes out, day by day. Useful to see whether a bill arrives before or after payday.
Investments
Portfolio, contributions and growth. Projections based on what you have already invested — not promised returns.
Analytics
Year totals, month-to-month comparison and trends by category. Every chart comes with a text summary and a keyboard-navigable table.
Financial calendar
Week, month and year on the same page. Each view adds up what is still only forecast separately, and fixed bills show up in the months they will be due.
Financial spaces
Personal and work genuinely separate, each with its own accounts, categories and budget. 1 space on Semente, up to 5 on Oásis.
Coco
A monthly overview in Portuguese. Totals are calculated in the app; when you talk to Coco, the server receives only the aggregates needed. How it works.
Investments
Record contributions, enter the current value and track the breakdown by type. The compound-interest simulation is an estimate, not a recommendation.
Synced account
In the current version, your data is linked to your account and loaded from the server. You need a connection to save changes.
What OAZE doesn't do
On purpose. Each of these is a decision, not a to-do.
It doesn't connect to your bank
We do not ask for your bank password or use Open Finance: OAZE never has access to your bank account. You enter transactions manually.
It doesn't recommend investments
OAZE shows what your numbers say. It doesn't tell you where to invest, and nothing in it is a recommendation — we are not an investment advisory.
It doesn't make up forecasts
Without enough transactions, Coco says there is no basis for a forecast. She does not fill the gap with ‘R$ 0.00 in one year’.
Not available yet: custom reports, scheduled backups, collaborators in the same workspace and advanced Coco simulations. They are on the product roadmap but do not work today, so they are not listed in any plan.
Try it with no commitment
The Semente plan is free and permanent, no credit card required.