Create an account

This is your first task in guito: create your account, tell us what to call you and what you want to track, and add your first account. It takes a few minutes, and you can get started without paying anything. You can use guito on the website, on iPhone through the App Store, or on Android through Google Play. Use the same account on every device. The first time you visit guito.app, it opens in your browser’s language (Spanish, French or Italian; otherwise English). You can switch language with the page’s language selector, and your choice is remembered.

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Create your account

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Your first steps in the app

The first time you sign in to the iPhone or Android app, guito asks you a few quick questions, one at a time, and helps you add your first account. Your name and country are required; the other steps have Later, to move on without answering: anything left undone can be done afterwards from the Summary.

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Name

Enter what you would like us to call you. If you signed in with Apple or Google, your first name is already filled in and you can change it. It’s the name guito greets you by in the app, the assistant and emails; it doesn’t change the name on your invoices.

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Goals

Pick what you’d like help with: knowing where the money goes, saving for a goal, spending less each month, seeing every account in one place, or tracking investments. You can pick several or none. With Track investments, the investments step comes before the bank step.

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Country you live in

On Which country do you live in?, the list of countries is right on the screen, with one already ticked from your phone’s region setting or your location; tap another to pick it, or search for it by name. Continue becomes available once a country is chosen.

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A budget to start with

For some new accounts, guito also suggests a monthly budget, when you pick knowing where the money goes, saving or spending less, or when you pick no goal. Enter how much you earn a month, take-home, or choose I’d rather not say: the suggestion then starts from a reference income of €1,200. The suggestion splits that amount into lines such as Home, Day to day, Transportation and Leisure, plus a Savings line, set apart under Goal: that one is saved as a goal, not as a budget. If you chose to save for a goal, that line doesn’t appear: the emergency fund gets its own step next. Tap an amount to change it, a line’s name or icon to edit them, or the ✕ to remove it; Add a line adds others. Choose Save budget to create the budgets, or Later to move on without them. guito doesn’t change the saved budget automatically: adjust it whenever you like in Budgets.

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Emergency fund

If you chose to save for a goal, the step after the budget is Your emergency fund. Average monthly expenses is filled in with your budget’s total, and Months of coverage starts at 6. Tap the expenses to change them, and pick 3, 6, 9 or 12 months in a single row. The Target is the two multiplied, and the fund counts the money in all your accounts. Choose Create emergency fund, or Later to move on without it. You can change these anytime on the Summary, including a different number of months.

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Investments

Connect Trading 212 or Interactive Brokers to keep your positions up to date, or choose Add an investment to record one manually: stocks, ETFs, crypto and more, plus retirement plans (PPR) and Certificados de Aforro if you live in Portugal. If the broker needs the Plus plan, Later (or the back arrow) brings you back to this step, so you can pick another option.

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Your bank

Search for your bank or pick it from the list and authorise access on the bank’s portal, as described in Connect your bank. If you have never tried Plus, the Authorise with 14 days free button starts the trial and the authorisation in one go, no card required. If you’d rather not connect your bank, choose Add an account manually, at the end of the list, to track the balance and transactions manually. After a manual account, or if you leave the bank for later, guito offers the investments step if it hasn’t shown it yet. Setup ends on You’re all set: choose Go to guito to open your Summary. After connecting a bank, the investments step is skipped: add them whenever you like, from the Summary.

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Help improve guito

Once the Summary has an account, the app asks once whether you allow it to record how you use the app, to improve guito. Accept and Decline carry the same weight, and you can change your answer in Profile -> Settings -> Privacy, under Usage analytics.

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Your first steps on the website

The first time you sign in on the website, guito asks what you want to track: accounts and spending, budgets, goals, investments, property and assets. Pick everything that applies. Next, on Which country do you live in?, check Country you live in, filled in from your location when it’s one of the countries in the list. The line below the field says what that country changes, such as which banks come first, and Continue needs a country. Then guito offers to connect your bank with automatic sync or, instead, to Import a statement or Add manually. You can skip the other steps and do them later. The Start here card then shows the steps suggested for your choices, such as connecting an account, creating a budget, or setting a goal. If you close it, it stays available under Start here in the sidebar until you finish the steps or choose Don’t show again. To change the name guito greets you by, click your avatar in the sidebar, open Settings and, on the General tab, change What we call you. The name on your invoices is the one you enter in Name on invoice when you subscribe to Plus.

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Get started for free

Your account starts on the Free plan, which you can use for as long as you like. When you want to use a Plus feature — connecting a bank with automatic sync, for example — you can choose Try 14 days free and get access to every feature for 14 days, no card required. See how it works in Free trial.

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Frequently asked questions

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Next step