What is still due
- Credit card billNovember 12, including $389 in instalments$1,940
- Streaming subscriptionsNovember 15, 3 subscriptions$119
- IPVA vehicle taxJanuary, estimate$1,120
Melvi does the math,
you make the call.
She brings together your accounts, cards and instalments, shows what is still due and does the math on every choice, from this month's card bill to buying a home.
Start for free
About 5 minutes. No bank connection needed.
- No bank password
- Optional connection, only after subscribing
Left after bills
$900
in November, after everything still due
January is short by $220 because of the IPVA vehicle tax.
MELVIDoes the math with you
The IPVA vehicle tax is due in January, leaving the month $220 short. Setting aside $110 in November and December brings January to zero.
FIRVODiscipline and habits
Food delivery went $85 over your plan this week. Should we adjust now or next week?
You pay the bills and have nothing left?
Today's balance does not include what is still due.
In the account today
$4,821
- RentNovember 5−$1,450
- Health insuranceNovember 10−$412
- Credit card billNovember 12−$1,940
- Streaming subscriptionsNovember 15, 3 subscriptions−$119
Left $900 after bills. In January, the IPVA vehicle tax of $1,120 is also due.
A statement shows what has already gone out.
You still need to see what is yet to come out.
Start for free
About 5 minutes. Approximate amounts are fine.
I have money today, but what is still due?
Melvi brings together your bills, instalments, and regular expenses in one view of the next twelve months: what is due, what will be left, and the totals.
- Each month shows what is already committed and when an instalment ends.
- What remains each month and the running amount saved.
- Estimates are clearly marked as estimates.
- Free
- Quiz and what is left or short each month, based on what you enter.
- Subscription
- The next twelve months, updated with your accounts and cards.
January: $3,490. Regular bills $1,981, Laptop instalment $389, IPVA vehicle tax, estimate $1,120
- Regular bills
- Laptop instalment
- Remaining card bill
- IPVA vehicle tax, estimate
- Saved through this month
- Left this month
- Month that draws from savings
Projection: if you save what is left each month, starting with $4,600 today, you will have $15,447 by the end of October.
Should I buy now or wait?
The simulation adds the purchase to your monthly outlook and shows what remains each month.
- Compare dates and terms before making a decision.
- See which month gets tight, not just the instalment amount.
- Melvi tells you what the simulation cannot see.
- Free
- Quiz and what is left or short each month, based on what you enter.
- Subscription
- As many as you like, with your finances tracked.
Refrigerator, $4,290 in 10 instalments of $429
$471
left each month through July
With the IPVA vehicle tax, January is short by $649. The laptop instalment ends in August, bringing the monthly amount left to $860.
Month with the refrigerator instalment
Buying now leaves money in most months, but January gets tighter. The simulation does not include your car insurance, which you have not entered yet.
How much can I save, and for what?
Melvi builds a plan around an affordable monthly amount and divides it between your reserve and goals. Firvo lets you know when the month goes off plan.
- Your reserve measured in months of expenses, one cell at a time.
- Each goal has a name, amount, target date, and monthly savings amount.
- Your money stays in your bank, and Melvi keeps track and lets you know.
- Free
- Quiz and what is left or short each month, based on what you enter.
- Subscription
- Goals tracked month by month, with Firvo's reminders.
Emergency reserve$600 per month
1 of 3 months
$4,000 saved covers one month of essential expenses.
At $600 a month, the second month of your reserve will be complete in 7 months. The starter plan suggests three months; you decide.
GoalsYour money stays in your bank
-
July trip$600 of $3,000
$300 per month, reached in June
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New phone$2,400
No monthly amount, fits in August
A new phone does not fit right now without taking from your reserve or trip. In October, delivery, streaming, shows, and parties added up to $1,040. Cutting $200 there would let you start saving for it now.
FIRVODiscipline and habits
The weekend was $140 over plan on bars and parties. You could make it up with food delivery or adjust the limit. Which do you prefer?
How much do I have, and where is it growing?
Melvi brings together what you have saved and invested across your banks, and separates your deposits from your earnings.
- Everything you have saved in one number, with your whole financial picture beyond your spending.
- Each investment shows its earnings and how long it takes to withdraw.
- Compare investment types side by side using public rates. Melvi does not recommend products; the choice is yours.
- Free
- Quiz and what is left or short each month, based on what you enter.
- Subscription
- Your updated net worth and comparisons across your accounts.
Saved and investedAcross 3 places
$4,600
You deposited $4,310Earned $290
- Savings accountAvailable the same day , earned $120$2,600
- Daily liquidity CDBAvailable the same day , earned $130$1,400
- Bank savings pocketAvailable the same day , earned $40$600
MELVIDoes the math with you
What $2,600 in a savings account could look like in 12 months across three types of investment:
- Savings account0.5% per month plus TR, no tax+$188
- CDB at 100% of CDITracks CDI, taxed+$255
- Tesouro SelicTracks Selic, taxed+$258
Assumption: Selic at 12% per year and TR at 1% per year, after income tax. This is a comparison, not investment advice.
Start for free
The quiz and what is left or short each month are free. The full result is part of a subscription.
Connect your bank and Melvi brings the rest.
Accounts, cards and investments arrive on their own. If your bank isn't on the list, send a statement or type it in.
- +200more
Melvi does the math, and Firvo warns you when the month goes off plan.
MELVI
Does the math with you.
- Brings together your accounts, cards, and instalments.
- Calculates the coming months.
- Builds a plan and simulates purchases with you.
“The IPVA vehicle tax is due in January. Want me to set some aside each month until then?”
FIRVO
Discipline and habits.
- Lets you know when the month goes off plan.
- Shows you the impact, with the numbers.
- Offers a way to get back on plan.
“You went $85 over plan. Should we adjust now or next week?”
When you want to understand a number, ask Melvi. Answers are generated by artificial intelligence, which explains the math already done and never makes up a number.
Start with the quiz, which is free.
-
You answer 8 questions
About 5 minutes, using approximate amounts. No connection needed.
-
You see what is left or short each month
Also free. The full result, simulations, and tracking are part of the subscription.
-
You subscribe if you want Melvi to keep track
From $6.58 a month on the yearly plan. Connect a bank, upload a statement, or enter it by hand, and cancel in a few steps.
Start for free
About 5 minutes. No bank connection needed.
All three plans include everything, and only how much you use changes.
The quiz and what is left or short each month stay free.
-
Essential
For anyone with one account who wants to know what is left.
$6.58 per month
$79.00 billed once a year. Save $16 a year.
Subscribe to Essential$7.90 per month
no commitment
Everything from Melvi, with:
- 1 connected Brazilian bank
- 100 Melvi conversations per month
- 10 statements per month
-
Recommended
Pro
For anyone who splits their money across a checking account, card, and another bank.
$12.41 per month
$149.00 billed once a year. Save $30 a year.
Subscribe to Pro$14.90 per month
no commitment
Everything from Essential, plus:
- 3 connected Brazilian banks 1 on Essential
- 300 Melvi conversations per month 100 on Essential
- 30 statements per month 10 on Essential
-
Complete
For anyone with many accounts and cards who chats every day.
$24.91 per month
$299.00 billed once a year. Save $60 a year.
Subscribe to Complete$29.90 per month
no commitment
Everything from Pro, plus:
- 6 connected Brazilian banks 3 on Pro
- 1,000 Melvi conversations per month 300 on Pro
- 60 statements per month 30 on Pro
Everything from Melvi, in every plan
- What is due and what is left over the next 12 months
- Unlimited purchase simulations
- Emergency reserve and goals
- Alerts and reports
- Unlimited manual entries
- Chat about your money with Melvi and Firvo
Billed monthly, with no commitment. Cancelling takes a few steps.
Billed yearly. Cancelling turns off renewal, and access continues until the paid year ends.
Prices in US dollars. In the eurozone, the same amounts in euros; in Brazil, prices are in reais.
What people ask before they get started.
Does Melvi move my money?
No. Melvi only reads. It does not pay, transfer, or invest money. It never asks for your bank password, a verification code, or a Pix payment through any channel.
Do I need to connect my bank?
No. Your result only uses what you enter in the quiz. With a subscription, connecting a bank is optional, and you can upload a statement or enter details by hand. A connection only happens after subscribing and with your permission.
How much does it cost? Can I cancel?
The quiz and what is left or short each month are free. Plans start at $6.58 per month, billed yearly, to see the full result, simulate purchases, and track your finances month by month. Every plan includes all of Melvi; only the number of banks, conversations, and statements changes. You see the price before subscribing and can cancel in a few steps.
I have tried spreadsheets and apps. What changes?
The difference is who does the work and what they look at. With a spreadsheet, you enter everything and the statement shows what has already gone out. Melvi brings your bills together, looks ahead, and builds the plan; you review and decide. Firvo lets you know when the month goes off plan, instead of waiting for you to check.
Who will I talk to? Who is behind it?
Melvi and Firvo are the brand's characters. When they answer your questions, the answers are generated by artificial intelligence, not by human advisers. Melvi was created in Brazil and is offered by an individual, who is responsible for the service. To reach us, write to contact@meetmelvi.com.
See what is left after the bills.
Eight questions with approximate amounts. Your result comes at the end.
Start for free
Free. About 5 minutes. No bank connection needed.