Type the expense. Open the app and it shows what you can spend today, until payday, with the bills still due and your planned savings already covered.
The couple Marta and Rui
“How much did we spend at the supermarket?” “No idea. You?”
Opens the app
Rui logs the shop at the till. Marta sorts it into a category later, on the sofa. Next morning they both open the same number.
What answers it
Two salaries, one rent, one daily Safe to Spend that already counts bills and savings. One of you logs, the other can categorize later, and the app flags what is still uncategorized.
The spreadsheet person Tiago
“I have tracked every expense by hand for years. On purpose. I just want the sheet in my pocket.”
Opens the app
He types the coffee in on the bus. By the time he sits down at his desk, the sums are already done.
What answers it
No bank sync, no formulas to babysit. You type each expense, Otterbond adds it up and tells you what you can spend today. Share it with whoever needs to see it.
The until-payday person Beatriz
“I get paid on the 25th and I am tight by the 15th. Can I have dinner out tonight or not?”
Opens the app
Friday, 7pm. She opens the app, sees there is room today, and books the table. Rent still lands on the 1st.
What answers it Plus
One figure for today, after the bills still due and your planned savings, counted down to your payday. If it says you are short, slow down. On Plus, the timeline marks the lowest point before it happens.
The saver with a date Sofia
“I do not want someday. I want a month and a year.”
Opens the app
She drags the slider up and watches her date move months closer.
What answers it Plus
Set a target date and a monthly amount, and Otterbond shows when you will get there. On Plus, slide the amount to see how many months earlier you arrive, and what it costs you per day.
The freelancer on recibos verdes Nuno
“The invoice says 1,000. How much of it is actually mine?”
Opens the app
Invoice paid. He runs the recibos verdes calculator, sets a monthly amount for taxes on a savings fund, and his daily number subtracts it until he records the deposit.
What answers it
IVA, IRS and Segurança Social take a share of every invoice. The free calculator shows how much. Add it as the monthly amount of a savings fund and your daily number subtracts it until you record the deposit. Log invoices as they are paid and the number adjusts.
The privacy person Helena
“I would never give an app my bank login. I will type it in myself.”
Opens the app
She types today's lunch in ten seconds and closes the app. Nothing asked her to connect an account.
What answers it
No bank sync, no account linking, nothing asking you to connect an account. Sign in with a one-time code by email. No ads, no data-selling.
The expat in Portugal Daniel
“Fourteen salaries? Subsídios? Nobody told me.”
Opens the app
He runs the net salary calculator before signing, then opens Otterbond on payday to see what is really his to spend.
What answers it
Free Portugal calculators explain net salary, IRS and the holiday and Christmas subsidies. Then track your budget in euros, or in any of 10 currencies (one per workspace, no conversion).
The month-closer Carolina
“Closing the month feels like closing a book.”
Opens the app
When the month is over, she locks it. Six cards later she knows what came in, where it went and what she kept.
What answers it
Locking freezes a finished month and saves its ending balance. The wrap is free; the full month report and every older month are in Plus.
Built for Portugal first: set your own payday, and the tax calculators follow our rules.
Personas are illustrative, not real customers. The screens are the app's real layouts with sample numbers, replayed as a demo (the app itself doesn't animate like this).
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