Quero poupar e acompanhar o endividamento.

In Portuguese, the subject pronoun is often omitted when the verb already makes the subject clear.

• Quero = I want
• The ending -o shows it is I

So Quero poupar e acompanhar o endividamento is perfectly natural. You can say Eu quero if you want extra emphasis, contrast, or clarity, but it is not necessary in most contexts.

After querer (to want), Portuguese normally uses another verb in the infinitive.

So the structure is:

• quero + infinitive
• Quero poupar
• Quero acompanhar

This is similar to English I want to save and I want to monitor, except Portuguese does not use a separate word like to before the second verb in this structure.

No. Once quero applies to both actions, Portuguese can link the two infinitives with e:

• Quero poupar e acompanhar...

This means:

• I want to save and monitor...

You could repeat it for emphasis:

• Quero poupar e quero acompanhar o endividamento.

But that sounds more emphatic or stylistically heavier. The original version is more natural.

Both can relate to saving, but they are not always identical.

• poupar often means to save, especially in the sense of setting money aside or sparing something
• economizar often means to economize, to cut back, or to save by using less

Examples:

• Quero poupar dinheiro. = I want to save money.
• Quero economizar água. = I want to save water / use less water.

In many money-related contexts, both may work, but poupar often feels more like building savings, while economizar often focuses on reducing spending or consumption.

Here, acompanhar means something like:

• to monitor
• to track
• to keep up with
• to follow

So in this sentence, it means keeping an eye on your debt situation or level of indebtedness.

It does not mean to accompany in the physical sense here.

Endividamento means indebtedness or level of debt. It is a more abstract or financial term than just debt.

Compare:

• dívida = a debt / debt
• endividamento = indebtedness, debt level, debt situation

So:

• acompanhar a dívida could mean tracking a specific debt
• acompanhar o endividamento sounds more like monitoring overall indebtedness or debt exposure

Portuguese uses definite articles more often than English does.

So o endividamento can mean:

• the indebtedness
• or, in natural English, simply debt / my debt situation, depending on context

In Portuguese, using the article here sounds normal and natural. Leaving it out would usually sound less standard in this sentence.

Yes, it is grammatical and understandable, especially in a financial context.

That said, depending on the situation, Brazilians might also say things like:

• Quero poupar e acompanhar minhas dívidas.
• Quero economizar e acompanhar meu endividamento.
• Quero guardar dinheiro e acompanhar meu endividamento.

The original sentence sounds a bit formal or financial because of endividamento. That is not wrong at all; it just has a more technical tone.

Yes, and in many contexts meu endividamento may sound more specific and personal:

• Quero poupar e acompanhar meu endividamento.

This clearly means my indebtedness / my debt level.

By contrast, o endividamento can sound a little more general, or it may rely on context to show whose indebtedness is being discussed.

A simple approximation is:

KEH-roh poh-PAR ee ah-kohm-pahn-YAR oo ehn-jee-vee-dah-MEHN-too

A few notes:

• quero: the que- sounds like keh
• poupar: the ou sounds like oh
• acompanhar: the nh is like the ny sound in canyon
• endividamento: the stress is on men: en-di-vi-da-MEN-to

Pronunciation varies a bit across Brazil, but this will help you say it understandably.

Yes. Acompanhar is a direct transitive verb here, so it takes its object directly:

• acompanhar o endividamento

You do not need a preposition like de or com in this sentence.

So these are correct:

• acompanhar o endividamento
• acompanhar as dívidas
• acompanhar os gastos

The structure is:

• Quero = main verb
• poupar = first infinitive
• e = and
• acompanhar = second infinitive
• o endividamento = direct object of acompanhar

So the pattern is:

[I want] + [verb 1] + and + [verb 2] + [object]

One thing to notice is that o endividamento belongs only to acompanhar, not to poupar. In other words:

• poupar stands on its own
• acompanhar is the verb that takes o endividamento as its object