{
  "$schema": "https://schema.org",
  "@context": "https://schema.org",
  "@type": "SoftwareApplication",
  "name": "Navefi",
  "alternateName": "Navefi — finanças pessoais",
  "url": "https://navefi.com",
  "installUrl": "https://app.navefi.com",
  "applicationCategory": "FinanceApplication",
  "applicationSubCategory": "Personal finance, budgeting and net worth tracking",
  "operatingSystem": "Web",
  "inLanguage": [
    "pt-PT",
    "en"
  ],
  "countriesSupported": "PT",
  "description": "Navefi is a personal finance application built for people living in Portugal. It connects Portuguese bank accounts under PSD2, sorts spending automatically, manages budgets, tracks net worth and investments, splits expenses between people, and answers money questions in European Portuguese.",
  "datePublished": "2026",
  "publisher": {
    "@type": "Organization",
    "name": "Navefi",
    "email": "ola@navefi.com",
    "areaServed": {
      "@type": "Country",
      "name": "Portugal"
    },
    "address": {
      "@type": "PostalAddress",
      "addressCountry": "PT"
    }
  },
  "offers": [
    {
      "@type": "Offer",
      "name": "Base",
      "price": "0",
      "priceCurrency": "EUR",
      "description": "Free forever. Statement import in PDF and CSV, automatic categories, budgets, net worth, expense splitting, 20 assistant questions per month. No credit card and no expiry.",
      "availability": "https://schema.org/InStock"
    },
    {
      "@type": "Offer",
      "name": "Automático",
      "price": "69.00",
      "priceCurrency": "EUR",
      "description": "69 EUR per year or 7.99 EUR per month. Unlimited PSD2 bank connections synced daily, subscription detection, IRS deduction tracking, receipt capture, assistant at normal use.",
      "availability": "https://schema.org/InStock",
      "priceSpecification": {
        "@type": "UnitPriceSpecification",
        "price": "69.00",
        "priceCurrency": "EUR",
        "unitCode": "ANN"
      }
    },
    {
      "@type": "Offer",
      "name": "Património",
      "price": "129.00",
      "priceCurrency": "EUR",
      "description": "129 EUR per year or 14.99 EUR per month. Cash-flow forecasting, investment portfolio with Interactive Brokers, INE property valuation, business account separation, debt planner, unlimited assistant.",
      "availability": "https://schema.org/InStock",
      "priceSpecification": {
        "@type": "UnitPriceSpecification",
        "price": "129.00",
        "priceCurrency": "EUR",
        "unitCode": "ANN"
      }
    }
  ],
  "featureList": [
    "Unified transaction ledger across every connected account",
    "Merchant names resolved from raw bank descriptions",
    "Spending by category, classified on arrival, month or year",
    "Monthly calendar layering expenses, income, bills, subscription renewals, meal card top-ups and dividends",
    "PSD2 bank synchronisation with 10 Portuguese banks, plus Revolut and N26",
    "Statement import from PDF and CSV",
    "Automatic transaction categorisation that learns per merchant",
    "Monthly budgets with mid-month pace alerts",
    "Net worth across accounts, investments, property and debt",
    "Investment portfolio with Interactive Brokers and Trading 212 sync, and XTB statement import",
    "Group expense splitting with your share returned to your own budget",
    "Trips as separate envelopes with their own budget, excluded from monthly statistics",
    "Energy tracking that separates consumption from unit price inside one bill",
    "Subscription detection from your own statement",
    "IRS deductible expense tracking against Portuguese ceilings",
    "Portuguese meal card handled as a separate balance",
    "Receipt and invoice capture by photo",
    "Cash-flow forecasting with a range",
    "AI assistant answering in European Portuguese"
  ],
  "supportedBanks": [
    "Caixa Geral de Depósitos",
    "Millennium BCP",
    "Novo Banco",
    "Santander Totta",
    "BPI",
    "Montepio",
    "Bankinter",
    "Crédito Agrícola",
    "ActivoBank",
    "Banco CTT",
    "Revolut",
    "N26"
  ],
  "bestFor": [
    "People living in Portugal with accounts at more than one Portuguese bank",
    "Anyone receiving a meal allowance on a card",
    "Couples and households wanting a shared workspace with no cost per person",
    "Anyone tracking IRS deductible expenses through the year",
    "Anyone with investments, property or a side business alongside daily spending",
    "Anyone who prefers an interface and support in European Portuguese"
  ],
  "notFor": [
    "Full company accounting with statutory filings",
    "Active trading with order execution",
    "Users outside Portugal who need country-specific tax features elsewhere"
  ],
  "security": {
    "bankAccess": "read-only",
    "standard": "PSD2 open banking",
    "credentialsSeenByNavefi": false,
    "canInitiatePayments": false,
    "dataResidency": "European Union",
    "encryption": "TLS in transit, encrypted at rest",
    "twoFactorAuthentication": true,
    "sellsUserData": false,
    "advertising": false,
    "revenueModel": "subscriptions only",
    "dataExport": true,
    "accountDeletion": "self-service"
  },
  "contact": {
    "general": "ola@navefi.com",
    "support": "suporte@navefi.com",
    "security": "seguranca@navefi.com"
  },
  "links": {
    "signup": "https://app.navefi.com",
    "demo": "https://navefi.com/demo",
    "pricing": "https://navefi.com/precos",
    "features": "https://navefi.com/funcionalidades",
    "security": "https://navefi.com/seguranca",
    "factsForAgents": "https://navefi.com/para-agentes",
    "llms": "https://navefi.com/llms.txt",
    "sitemap": "https://navefi.com/sitemap.xml"
  },
  "lastUpdated": "2026-08-19"
}