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Pluma

Pluma is a modern personal finance app for individuals and founders who want automatic, no-effort money management. It connects to banks, categorizes transactions with AI, tracks subscriptions and credit cards, and provides a clean 360° financial overview. Profitable, growing, and built for scale.

Fintech · Founded 2025 · Brazil

Fintech
SaaS
Productivity
AI

Visit pluma.finance ↗Founder interest ↓

Can you vibecode this?

Yes

The stack is standard Next.js/Supabase/Stripe. Open Finance in Brazil is a regulated-but-open API standard — no licence the operator must hold. AI categorisation, rules engine, budgets, and search are all code. One builder ships this.

Build This with Leapd →

The business

Total revenue

$10K+

Verified recently

Monthly revenue

$1K+/mo

↑ Growing · 60-day average

Peak month

~$2K

Best single month

Growth

~10.5×

Early months vs recent

Profit margin

65%

For owners

Own Pluma? List it for sale.

Founders read this page looking for a business to build like your $1K+/mo one — some would rather buy one that already works. They skip the line, you get a clean exit. $25 one-time, no commission.

Why it works

Value proposition
One dashboard shows every account, card and investment with zero manual entry.
Problem
Users lose track of spending across multiple bank apps and cards.
Audience
Individuals, families and small business owners in Brazil.
Business model
Three monthly or annual subscription tiers billed through Stripe, with a 7-day free trial and no card required.

Good to know7-day free trialNo credit card requiredCancel anytimeOpen FinanceFamily modeCFO mode

Can you vibecode this?

Yes

Moat

Switching costs
Proprietary data

Why people pay Pluma

Users accumulate months of categorized transaction history, custom rules, budgets, and goals inside Pluma. A fresh copy starts empty. Their spending patterns and trained categorization rules are also data a new entrant cannot replicate on day one.

Product complexity
Moderate
The app needs AI categorization, custom rules, budgets, goals and natural-language search across connected accounts.
Data
Moderate
Live balances, transactions and invoices come from Brazilian banks through the Open Finance network.
Integrations & infrastructure
Moderate
Open Finance connects over 100 Brazilian banks and cards through a regulated, API-based consent flow.
Human operations
Low
The product is fully automated; no human work is needed to deliver it to customers.
Regulation / hardware
Low
Open Finance access is regulated by Brazil's Central Bank, but Pluma connects as a data recipient, not a licensed institution.

Build this business

Use the build specification below with any AI coding tool, or build it directly with Leapd.

Build This with Leapd →

Leapd builds

Web app with account dashboard, AI categorization, custom rules and budgets
Monthly and annual subscriptions with Stripe, three tiers
Open Finance provider connections
A landing page

Leapd runs

Meta ads
LinkedIn and X posts
SEO and AI-search visibility
A daily report of what shipped

Opportunity check

Passes: Proven market: $1K+/mo already paid for it
Passes: Proven model: Three subscription tiers: Basic, Plus and Pro, billed monthly or annually, 65% margin
Passes: Proven need: Individuals want their finances organized daily
Passes: Buildable: Leapd builds it end to end

build-spec.txt

Build a personal finance web app that connects users' bank accounts via Open Finance and sells access as a monthly or annual subscription.

Product:
- Account dashboard showing balances, transactions and credit card invoices across all connected banks and cards in one view
- AI-powered automatic transaction categorization with user-defined rules combining keywords, amounts, accounts and tax IDs
- Budget tracking by category showing remaining spend and month-end projections
- Natural-language search letting users query transactions by date, place, bank, card or amount in plain text
- Financial goals with progress tracking toward savings targets
- Family and multi-CPF shared account mode (Plus and Pro plans)
- Business account support for MEI, ME and CNPJ via Open Finance (Pro plan)
- Advanced reports and financial forecasting with AI (Pro plan)
- 7-day free trial with no credit card required

Billing:
- Three subscription tiers (Basic, Plus, Pro) billed monthly or annually via Stripe, with annual plans at a discount

Integrations:
- Open Finance network connected through its regulated API using the customer's own bank authorization