CaixaUnica
Blog
Ideas and guides to organize your finances without spreadsheets.
FIIs on the Brazilian tax return: why the income is exempt and the sale is not
A Brazilian real-estate fund has two tax lives that almost nobody separates: the monthly income, which is usually exempt, and the sale of the unit, which pays 20% with no exemption band at all. How to declare each one, which code goes on the Bens e Direitos schedule, and how to get from your B3 report straight to the number.
DARF on stock sales: the R$ 20,000 exemption and how to calculate the tax
Brazil's monthly exemption is not about your profit — it is about how much you sold, and that is where almost everyone gets it wrong. How to work it out month by month, when the DARF is due, why FIIs fall outside the exemption, and how to go from your B3 statement straight to the number.
How CaixaUnica billing works (and how to cancel)
Payment through Stripe, a discount-code field, monthly renewal with no lock-in, and one-click cancellation — without losing any data. Everything that happens when you subscribe, explained before you enter a card.
CDB, RDB, LCI and LCA on your income tax return: what's exempt and what to declare
Does an RDB pay tax? Does an LCI go on the return even though it's exempt? The regressive income-tax table for Brazilian fixed income, what's exempt for individuals, and where each investment goes in the tax software — with the right Assets and Rights codes.
How to calculate the average cost of stocks (without getting splits and bonus shares wrong)
The step-by-step of the weighted average cost Brazil's tax authority requires — with a complete numeric example, the three mistakes that ruin the math (splits, bonus shares, and multiple brokerages) and how to automate it all from your B3 reports.
Treasury bonds, CDBs and funds that arrive on their own: Open Finance for investments
Open Finance isn't just for bank statements. Connect your institution to CaixaUnica and your Tesouro Direto, CDB, LCI/LCA and fund positions appear in the portfolio with up-to-date prices and reconstructed cost — ready for returns tracking and your tax report.
Real net worth: add real estate and vehicles to your investments
Your statement shows the cash, but not the apartment or the car in the garage. See how to add property and vehicles to your net worth, with the vehicle value pulled straight from Brazil's official FIPE price table and a history that keeps every valuation auditable over time.
Display currency: see your net worth in BRL, USD or EUR
If you hold US stocks on Avenue, crypto, or international funds, you already think partly in dollars. Pick a display currency and read your net worth and portfolio totals in BRL, USD or EUR at the latest rate — no more converting by hand every time you check.
Bens e Direitos codes in Brazil's IRPF: the right one per asset, automatically
Every investment in your Brazilian income-tax return needs the right official code in the grupo.código format — stocks, REITs, ETFs, exempt or taxable fixed income, and crypto each get a different one, and CaixaUnica assigns the correct code to each asset automatically.
Bills agenda and a simple income statement: see what's due and what you actually earned
Knowing what's due this week, what's still coming in, and how much actually stayed after everything is what separates a business in control from one that lives in a panic. Here's how the bills agenda and the simple income statement in CaixaUnica answer both questions without a spreadsheet.
How to declare crypto on your Brazilian tax return (Bitcoin, Ethereum and Binance) without spreadsheets
When crypto must be reported on the IRPF, how to fill Bens e Direitos group 08 and — the point that most changes the math in 2026 — why Binance follows the foreign-exchange regime (a flat 15% assessed annually) while the R$35,000/month exemption applies only on Brazilian exchanges. Plus how CaixaUnica rebuilds positions and average cost from your statement.
How CaixaUnica protects your financial data
Security and privacy at CaixaUnica explained plainly — your data is yours, encryption in transit and at rest, optional two-factor authentication, LGPD compliance, and full control in your hands.
Open Finance is here: connect your banks and cards to CaixaUnica
You can now connect your accounts and cards through Open Finance and your transactions flow into CaixaUnica automatically — no exporting statements, no uploading files. See how to connect, what comes in automatically, and how the security works.
What is Open Finance in Brazil, and why it changes your financial life
Open Finance makes you the owner of your own financial data — to share with whomever you choose, compare products and pull everything into one place. Understand how it works, the phases, consent, security and what it means in practice for anyone who invests and organizes their finances.
Money management for freelancers and the self-employed: split business from personal without a spreadsheet
Mixing business money with personal money is the chronic pain of every freelancer, contractor and small-business owner. See how to organize cash in and out, see your real profit, and reach tax season without panic — all in one place, no spreadsheet.
How to declare dividends and investment income on your Brazilian tax return
Dividends, interest on equity (JCP) and REIT (FII) income enter Brazil's IRPF return in different ways. Understand what each type of income is, where each one is usually reported, why your broker's income statement is your best friend, and how to gather everything when you invest across more than one brokerage.
How much did your portfolio actually earn? Consolidated returns, no spreadsheet
Adding up your balance isn't your return. See how CaixaUnica computes your portfolio's real performance — B3, Avenue and Binance together, with average cost, contributions, dividends and FX — so you know what you actually made.
Install CaixaUnica on Android without the Play Store (in 30 seconds)
How to add CaixaUnica to your Android home screen straight from Chrome — it becomes a real app, opens full screen, and skips a Play Store download. Step by step, plus the iPhone shortcut.
Import it all at once: OFX, CSV, Excel, and PDF in a single batch
CaixaUnica's importer takes several files at once, figures out on its own what each one is — bank, card, brokerage — and brings it all into one dashboard. No spreadsheet wrangling and no double-counted transactions.
Which CaixaUnica plan fits you? 4 real profiles
Free, Essencial, PF or Business? Instead of comparing a price table, see 4 real usage profiles and find which plan matches your financial life — always starting with 14 days free, everything unlocked.
Bank statements, organized: all your banks in a single dashboard
How CaixaUnica brings statements from several accounts into one dashboard — with balance, monthly flow, per-account reconciliation, and automatic transaction categorization, importing the OFX or CSV your bank already gives you.
Cash flow without spreadsheets: see your month's money in and money out
How CaixaUnica's Cash Flow module organizes inflows and outflows into categories so you can read your month's cash and plan ahead — useful for personal life and for freelancers or small businesses alike.
AI Analyses: automatic reports on your money, in plain language
How CaixaUnica's AI Analyses read your net worth, your portfolio, and your spending and hand back the highlights that matter — natural-language insights that save time and help you decide, with a monthly quota on every plan, including the free one.
Income tax for investments, made painless: assets, income, and ready-to-pay tax
How CaixaUnica assembles the investment sections of Brazil's income tax return from your portfolio — Assets and Rights as of Dec 31, exempt income, interest on equity, and a capital-gains tax estimate, all exportable as PDF and CSV.
From phone to CaixaUnica: send statements to Google Drive on Android
A step-by-step guide to exporting bank statements on Android, saving them to Google Drive, and importing into CaixaUnica from anywhere — in OFX, CSV, or XLSX, with no cable and no computer.
How to use CaixaUnica to organize your finances
A practical guide to bringing your bank, credit card, cash flow, and investments together in CaixaUnica — from your first imported statement to tracking your income tax, no spreadsheet required.
One unified investment portfolio: B3, Avenue, and Binance in a single place
How CaixaUnica consolidates stocks, funds, fixed income, and crypto from your brokerage reports — with average price, allocation, currency exposure, and per-asset performance, no spreadsheet required.
Credit cards under control: bills from many banks and categorization that learns
How CaixaUnica brings credit card bills from different banks into one dashboard and turns dozens of transactions into answers — with rule-based categorization that re-applies itself on every import.