Which CaixaUnica plan fits you? 4 real profiles

Picking a plan shouldn't be the first decision. So with CaixaUnica you start with 14 days of everything unlocked, no card details — and only then, once you know what you actually use, do you choose a plan. Instead of throwing a price table at you, this guide shows 4 real profiles: find yours and the right plan becomes obvious.

First: the 14 days free

When you create your account you get full access for 14 days — investments, banks, cards, cash flow and the investment tax report, all open, no card details required. Bring your statements, see your spending categorized, track your portfolio and feel the whole product before deciding.

When the period ends, nothing is charged and you lose no data — the account returns to the free plan and you subscribe only to keep what you started using.

Profile 1 — "I just want to track my investments"

You invest on B3, maybe at a US brokerage, and what bothers you is not having one single picture of your net worth: how much you have, where it is, how it performed.

→ The Free plan already solves it. The investment wallet is free: import your brokerage statements — or connect your institutions through Open Finance — and see net worth, returns and a consolidated position, at no cost. Free also includes a monthly quota of AI analyses. If later you want the investment tax report calculated, then it's worth moving up to Essencial.

Profile 2 — "I want my whole personal financial life in one place"

You don't want only investments: you want banks, cards and investments together, spending by category, and the tax report ready at filing time — no spreadsheet.

→ The Essencial plan (R$ 39/month) is yours. It unlocks bank accounts, credit cards and the investment tax report, on top of the wallet. It's your whole personal financial life in one dashboard, importing your statements.

Profile 3 — "I want everything to flow in on its own, with insights"

Importing statements every month gets old, and you'd like a smart read of what the numbers mean — not just the tables.

→ The PF plan (R$ 89/month) has everything in Essencial + the most generous quotas of Open Finance and Olívia's AI analyses: more connected institutions flowing in on their own and more analyses per month, for those who use this as a routine rather than a taste. Each plan's exact limits are on the pricing page.

Profile 4 — "I'm a freelancer, self-employed or run a company"

Your problem is mixing business with personal: the same account pays for groceries and receives from clients, and at month's end you don't know your real profit. You need cash flow separating the business's money in and out.

→ The Business plan (R$ 149/month) is built for that. It has everything in PF + the cash-flow module (personal and business), so you see the company's cash separate from your own — the missing step for anyone living with both lives in the same pocket. (See also our guide to money management for the self-employed.)

Still not sure which to use?

Perfect — that's what the trial is for. Use the 14 days with everything unlocked, bring your real data, and by the end you'll know exactly which modules you can't give up. Then you choose by usage, not by guesswork.

And billing?

• Free is free forever — the investment wallet doesn't expire.
• Essencial, PF and Business are monthly, no lock-in.
• Nothing is charged automatically when the trial ends, and your data stays regardless of plan.

Current prices (and any promotion in effect) plus the full module comparison are always on the plans page.

Create your free 14-day account — every module unlocked, no card details.