Now on the App Store

Nudges to stay on your money goal.

Forgo watches the merchants you overspend at — and pushes you before you cross the line.

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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 learns where your money actually leaks.
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 nudge

A tap on the shoulder, right on time.

Forgo watches the merchants you overspend at and warns you the moment you're pacing over — while there's still time to change course. Not a lecture. Just the right nudge at the right moment.

Merchant pacing
Over-budget alerts
Impulse-window timing
Rest of the month
Forgo home screen showing a 'Uber Eats pacing high' nudge and an over-budget summary for the month
How Forgo intervenes

Not one brake. A whole braking system.

The 1-click internet moves fast. Amazon, TikTok Shop, Uber Eats, Shein, Instagram — none of them are designed to slow you down. Forgo is.

1

Targets on your problem merchants.

Tell Forgo where you overspend — Amazon, Uber Eats, TikTok Shop — and it tracks every purchase against a monthly cap.

2

Nudges before your impulse windows.

Forgo learns when you're likely to impulse spend (Friday 8pm Uber Eats time, paycheck day, weekend Amazon dive) and pushes right before.

3

Home Screen + Lock Screen widget.

Your monthly pause total lives on your home screen and lock screen. Forgo works even when you never open it.

Clarity

What Forgo actually is.

✓ Forgo is
A pre-purchase intervention tool
A behavioral pattern detector
A nudge before you overspend
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 nudge

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
The person behind it

Built by one person. In public.

I'm Rojay. I put myself $100K in debt before 30 — student loans, a hardware startup, a fixer-upper — and clawed it down to under $15K in three and a half years by refusing to keep guessing with my money. Now I'm becoming an accredited financial counselor and building Forgo in the open. Follow the build.

Ready to forgo it?

Forgo is live on the App Store. Download it free and start pausing before you buy.

Download on the App Store

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