Pirlo was born in Flero, Lombardy, and started his professional career with provincial giants Brescia Calcio. His brother, Ivan, plays for a Serie C2 club in Brescia. Pirlo and his wife Deborah Roversi married in 2001 and have two children: son Niccolò (born 2003) and daughter Angela (born 2006). In 2014, Pirlo and Roversi divorced after thirteen years of marriage, following Pirlo's affair with Valentina Baldini, a woman he met at his golf club.

Pirlo's father founded a metal trading company in Brescia in 1982 called Elg Steel. Pirlo himself retains a stake in the family business. With regard to his wealth from his family business and footballing career, Pirlo stated in an interview with Italian Vanity Fair magazine that he never talks about money. Pirlo is known for being a wine connoisseur and he also runs his own vineyard in Italy, which produces around 15–20,000 bottles a year.


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