Control spending
Organise transactions, accounts, categories, budgets and recurring payments without losing track.
Personal finance for Portugal
Your finances, quietly.
Budgeting, investments and Portuguese taxes in one place. Private by design, no ads, and your data is never sold.
Start for free. No credit card required.
Built for PortugalYour data stays yoursPortuguese and English
Overview
Good morning, MartaOverview
July 2026Available balance€4,830.20Today
Income€3,240
Expenses€1,886
Savings41.8%
Monthly cash flowJan — Jul
Net worth€87,420+8,4%
Contas 31%Investimentos 46%Imóveis 23%
Tax estimate€1,2402026
Rendimentos€ 38.400
Deduções€ 2.184
Retenções€ 7.920
Financial and tax estimates are informational and do not replace professional advice.
How it works
Three steps and you’re in.
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Create your account
Free, no credit card. Choose Portuguese or English from day one.
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Bring your money in
Add accounts and transactions manually or import statements in CSV, OFX and QIF — no automatic bank connection.
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See the full picture
Budgets, goals, investments and IRS estimates on a single, always up-to-date dashboard.
The complete picture
Everything you need to make better decisions
From day-to-day movements to long-term plans, onlimini turns your numbers into a clear, actionable view.
Plan ahead
See what is coming in and going out, anticipate balances and prepare with cash-flow forecasts and monthly calendars.
Watch your wealth grow
Bring together accounts, investments, property, pensions, crypto and debt to track your net worth in one place.
Built for the Portuguese reality
More than translated. Designed for Portugal.
Your finances do not end with a spending chart. onlimini connects daily money management with the tax, property and professional decisions you actually face.
Tax and IRS
IRS estimates, deductions, capital gains, NHR/IFICI and green receipts based on Portuguese workflows.
Home and property
Property management, IMI, IMT, mortgages and rent-versus-buy comparisons.
Self-employment
Green receipts, VAT, withholding tax and Social Security contributions.
Investing and retirement
Stocks, ETFs, crypto, dividends, PPR, FIRE and time-value-of-money calculators.
Features
Everyday essentials and the depth Portugal demands.
Start with the essentials and explore more advanced tools at your own pace.
Budgets and goals
Set limits per category, track progress and turn saving intentions into measurable habits.
Plan with purposeInvestments
A consolidated portfolio with quotes, dividends, capital gains and net-worth history over time.
Think long termPortuguese tax
IRS estimates, deductions and capital gains, plus tools for green receipts, VAT and withholding tax.
No tax surprisesHome and mortgage
Register properties and loans, track the mortgage payment and IMI, and compare renting versus buying.
The real cost of homeHousehold sharing
Organise household finances with shared context and access control for each member.
Decide togetherFinancial health
Follow your spending pace, savings margin and net-worth trend to know whether you are on track.
Your paceIRS and other tax estimates are informational only — they are not tax advice.
Privacy and security
Your data is yours alone.
onlimini does not sell data, show ads or depend on connections to your bank. Security is part of the design, not an add-on.
Protected data
Sensitive fields encrypted at rest, with per-user keys, and passwords stored with secure hashing.
Sessions and access
Short-lived access tokens, revocable sessions and two-factor authentication with TOTP and recovery codes.
No data selling
A simple model: a free plan and a subscription. No ads, no data brokers, no reading your accounts.
Frequently asked questions
Before you begin
It comes from the English “only me”. The name reflects the core idea: your money and your data belong to you.
You can start on the free plan, which includes up to 50 transactions per month, budgets, goals and a monthly email summary. Pro unlocks unlimited use and advanced tools such as imports, recurring transactions and reports.
No. Data enters through manual entry or file imports such as CSV, OFX and QIF — you decide what goes in.
No. They are informational estimates based on the data entered and implemented rules. Confirm official filings and tax decisions through Portal das Finanças or a qualified professional.
Yes. Dedicated tools cover income, VAT, withholding tax, Social Security contributions and IRS estimates for self-employed workers.
onlimini encrypts sensitive fields at rest, uses two-factor authentication and revocable sessions. We do not sell your data; payments and invoicing are handled by dedicated processors (EuPago and Vendus).
Still have questions? Start free and find out
Plans
Simple pricing, no surprises
Pick the right plan. Cancel anytime.
Free
€0
- Up to 50 transactions/month
- Accounts, budgets and goals
- Calendar and spending map
- Monthly email summary
- Data export (GDPR)
Pro · Monthly
Most popular
€3.49/month
- Unlimited transactions
- CSV, OFX and QIF statement imports
- Recurring transactions
- Household accounts
- Reports and Excel/PDF export
- Investments, crypto and PPR
- IRS, green receipts and Social Security
- Property and mortgages
Pro · Annual
save ~31%
€28.79/year
Instead of €41.88/year
- Unlimited transactions
- CSV, OFX and QIF statement imports
- Recurring transactions
- Household accounts
- Reports and Excel/PDF export
- Investments, crypto and PPR
- IRS, green receipts and Social Security
- Property and mortgages
Prices include VAT. The subscription renews automatically each period; you can cancel anytime and keep access until the end of the paid period. You have 14 days from the first subscription to exercise your right of withdrawal.
The next step is simple
Start whenever you want.
Create a free account and organise your finances your way — private, simple and built for Portugal.