Now in beta on iOS

Pause before you regret it.

Forgo detects high-risk spending moments and sends you a nudge before you buy something you'll wish you hadn't.

⏳
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No spam. No BS. We'll email you the install link.

How it works
How it works

Three steps. Zero lectures.

01
Link your bank account
Forgo connects securely via Plaid and builds a baseline of your normal spending patterns. Takes about 60 seconds.
One-time setup
02
We learn your patterns
Late night spending. Velocity spikes. Food delivery habits. Merchants you keep going back to. Forgo spots the signals that show up before regret does.
Runs every time you open the app
03
You decide
When the signals line up, Forgo sends you a nudge. It's not a lecture — just a moment of friction at the right time. You always make the final call.
Always your choice
The forecast

See it before you buy it.

Type the merchant and amount. Forgo runs the math against your real budget, goals, and debt — instantly. The trade-off becomes visible, not abstract. You decide knowing exactly what it costs you.

Wants budget impact
Days saved on debt
Goal contribution
Merchant history
Rest of the month
Forgo forecast a purchase screen showing the impact of a purchase on your monthly wants budget
Clarity

What Forgo actually is.

✓ Forgo is
A pre-purchase intervention tool
A behavioral pattern detector
A 20-minute pause before regret
Calm, neutral, non-judgmental
Always your decision in the end
✗ Forgo is not
A budgeting app
A spending tracker
A financial advisor
A dashboard full of charts
A lecture about your habits
More than a forecast

The dollars you don't spend have a destination.

Forgo Goals tab showing $1,085 forgone this month rolling toward a debt payoff goal
Every dollar you forgo
rolls toward your goal.

Pay off a credit card. Build an emergency fund. Just minimize. Whatever you're working toward, Forgo attaches the money you pause to that goal — and shows your progress in dollars not spent, days closer to debt-free, and weeks of cushion saved.

A real emergency
fund plan.

Most apps tell you to save 3 months of expenses. That's unrealistic when you're in debt. Forgo's Safety Ladder is built around the real order of operations: cover your deductibles first, build one month of runway, attack high-APR debt, then climb the rest.

Forgo Safety Ladder screen showing the order of operations: cover deductibles, 1 month of expenses, 3 months, 6 months, 12 months

Ready to forgo it?

Become a beta tester. Drop your email and we'll send your invite to install — today.

No spam. No BS. We'll email you the install link.