Saia do rotativo do cartão em 18 meses — sem virar bola de neve, sem caair em outra dívida

Source signals

• SIG-20260426-br-personal-money-fatura-cartao-rotativo-trap: "Any suggestions on an app that uses the debt snowball method... will automatically adjust each month as credit cards are paid off?"
• SIG-20260426-br-personal-money-cashy-whatsapp-controle-divida: "Controlar dívidas (suas ou de outros)" — explicit feature request from comments

What we ship

**Core features (MVP)**

• Fatura PDF import (via upload or Open Finance Pluggy) for each card — auto-parse via Claude Vision: saldo, juros rotativo, juros parcelado, fatura mínima
• Decision engine: computes 4 scenarios — (1) rotativo only, (2) parcelamento da fatura, (3) portabilidade to bank with lower rate, (4) personal loan with portability — for each card, each month
• **"Plano 18 Meses"**: timeline visualization with bullets "month 4: card 1 paid off, frees R$340/mo for card 2"
• Snowball / avalanche auto-select by total interest saved
• WhatsApp weekly reminders "Hoje é dia X, transfere R$Y pra Nubank"
• Affiliate revenue: when product recommends portabilidade, lead generation to Nubank/RecargaPay/etc.

**Primary user flow**

1. Landing "Calculadora 'Sair do Rotativo'" — free quiz "quanto você economiza?"

2. Upload fatura PDF (or Open Finance OAuth) — 60 seconds, all debt in one view

3. Engine shows "Seu Plano 18 Meses": "Pagando R$X/mês, livre em mês 18, economiza R$Y juros"

4. Pricing trigger: free 1 card, R$14.90/mo for unlimited cards + WhatsApp reminders + portabilidade leads

**What it looks like**

• **Landing page**: hero "Saia do rotativo em 18 meses" + above-the-fold calculator "saldo + min payment → economia"
• **Main app screen**: timeline payoff chart per card, side-by-side rotativo vs portabilidade comparison
• **Output / notification**: PDF plan with monthly breakdown + WhatsApp reminders + "Solicitar portabilidade no Nubank" button

**MVP build plan (10 days)**

• Day 1-3: backend (User, Card, Debt, PaymentPlan), JWT auth, Pluggy OAuth for fatura sync
• Day 4-6: Claude Vision for PDF fatura parsing, decision engine (4-scenario optimizer)
• Day 7-8: Recharts timeline visualization, WhatsApp Twilio reminders cron
• Day 9-10: Stripe + Pix via Asaas, PT-BR landing, soft launch r/financaspessoais and r/Pessoa_Quitando_Dividas

Reasoning

This pain is RECURRING on r/financaspessoais ("Como sair do rotativo?") and Reclame Aqui top-10. BR rotativo cap is the highest in the world (100%/year even after 2024 cap). Existing "calculadoras" (calculadorabrasil.com.br) show only current pain, not exit strategy. Generic snowball apps (US-style: Debt Payoff Planner, Undebt.it) don't model BR-specific options (portabilidade Lei 14.690/2023, parcelamento da fatura). Lead-generation revenue from portabilidade — banks pay R$50-200 per qualified lead — subsidizes the freemium. Buildable in 10 days: Claude Vision for PDF, Pluggy SDK for Open Finance. High white-space: NO direct competitor in BR.

Quick competitive read

Profiled 5 competitors. ZERO BR-specific rotativo decision-engines exist.

• **Serasa Limpa Nome** (CMP-087-serasa-limpa-nome) — post-default debt-restructuring marketplace; we're upstream by 30-90 days
• **Acordo Certo** (CMP-087-acordo-certo) — post-default settlements; same niche as Serasa
• **Meu BC (Banco Central)** (CMP-087-meu-bc-portal) — government data layer (paper floor); we're the application layer on top with strategy + reminders + portabilidade leads they can't run
• **Mobills + Organizze** (CMP-087-mobills-organizze) — horizontal personal-finance budgeters; we're the vertical rotativo-decision-engine
• **Excel/Sheets templates** (CMP-087-excel-debt-templates) — paper floor; our 10× moat is convenience (Open Finance + Claude Vision + WhatsApp)

**Market density**: medium (3-5 adjacent players, none direct). **White-space**: BR-specific rotativo escape with portabilidade decision tree — nobody has built it. Competitive pressure 8/10 (high white-space confirmed).

Regulatory posture (BR)

**Status**: soft_block (build approved with disclaimer architecture). No hard disqualifiers (D-001 to D-014 all N/A — no PHI, no card storage, no KYC fintech, no crypto, no biometric).

Key constraints (enforced in MVP day 1-2):

• **CVM/Banco Central scope**: product is NOT "instituição financeira", "correspondente bancário", or "consultor de valores mobiliários". All outputs framed as "informações educacionais" / "simulações", never "consultoria" / "recomendação".
• **Mandatory disclaimer** on landing footer + every plan: "Este produto não é instituição financeira nem consultor financeiro autorizado pela CVM ou Banco Central. Os planos exibidos são simulações educacionais..."
• **Lei 14.690/2023**: portabilidade is surfaced as user right; affiliate leads (Nubank/RecargaPay/Inter) flow as "indicador" not "correspondente" (per BC 3.954/2011) — partner contracts must confirm.
• **BC Resolução 4.861/2020**: rotativo regulation context for APR modelling (informational only).
• **LGPD posture**: explicit consent, DPO contact, fatura-PDF retention ≤24 months, R2 encryption at rest, ANPD 2025 financial-data guidance applied.
• **Open Finance via Pluggy**: piggyback on Pluggy's regulated TPP licence; documented in ToS + privacy policy.

Biggest legal risk vector: **practice-of-advice exposure**. Mitigations: plain-text disclaimers on every plan PDF, plain-language phrasing ("você pode considerar" not "você deve"), link to "Meu BC" as canonical source, ToS clause that user is sole decision-maker.

Initial pricing hypothesis

Freemium: free 1 card + basic plan, R$14.90/mo for unlimited cards + portabilidade leads + WhatsApp reminders. Alternative: R$29 one-time "Plano Completo" purchase for those who don't want recurring. Affiliate revenue R$50-200/lead from Nubank/RecargaPay/Bradesco portabilidade — potentially 30-40% of total revenue.

Distribution hypothesis

SEO ("como sair do rotativo", "calculadora rotativo cartão", "portabilidade fatura") + Reddit r/financaspessoais and r/Pessoa_Quitando_Dividas + TikTok/Instagram Reels with emotional content ("R$8 mil em dívida — em 18 meses livrei") + Me Poupe (Nathalia Arcuri) sponsorship overflow + WhatsApp groups "Sair do Negativo".