Now on the App Store

Spend less at the stores that get you.

Nudges you before you cross your budget. Locks the app if you do. Plus a money person built in who knows your numbers and tells you what to do with debts, savings, and tradeoffs.

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Amazon app open on iPhone with a Forgo push notification overlay: 'Pause before Amazon. You're already over your Amazon budget this month. Tap to see where you stand.'
How it works
LIVE — 30 DAY CHALLENGE · 20 SPOTS

Bet on yourself. Or bet on me.

Pick one place you overspend at. Set a monthly budget in Forgo. Stay under it for 30 days.

If you don't — I'll Venmo you $10 and hop on a 15-min call to figure out where Forgo failed you.
If you do — you're a Forgo Founder's Club member. Free lifetime access when we launch paid.

Join the Challenge →

Only 20 spots. When they're gone, they're gone.

Takes 30 seconds. Rojay reads every one.

No purchase necessary. Challenge open to Forgo iOS app users, US only, 18+. Payment via Venmo at Rojay's discretion. Not a promotion by Apple or any bank. Void where prohibited. Rojay reserves the right to end the challenge at any time.

How it works

Three steps. Zero lectures.

01
Link your bank
Plaid handles the connection — same standard Robinhood, Venmo, and Chime use. Forgo can only read transactions. Takes 60 seconds.
One-time setup
02
Pick the places that get you
Most people start with the top four: Amazon, DoorDash, Uber Eats, TikTok Shop. Set a monthly budget at each. Forgo tracks every purchase against it.
Two minutes
03
Nudge before, at, or lock
Forgo nudges you before you cross your budget and the moment you do. Turn on Push + Lock and it makes the app itself unavailable until you're back under. Your call.
Always your choice
The interventions

Four ways in. One goal.

You pick how aggressive Forgo gets. Push only. Push and lock. Or a whole braking system. Escalates the way you tell it to — never more, never less.

Layer 1 · Nudge before

Trigger-day pushes arrive early.

Pacing warnings hit the day you tend to spend and the moment you're trending high — before you've done any damage. Forgo is the friend that says "hey, watch it" while there's still time.

Forgo home dashboard showing $666 spent of $954 this month, a 'Uber Eats pacing high' heads-up card, and the What Forgo Is Watching list with Uber Eats at 32% and Amazon at 15%
Layer 2 · Nudge at the moment

The push hits inside the app.

Cross your budget and Forgo pushes you the moment you open Amazon, DoorDash, or Uber Eats via iOS Screen Time. Right there while you're browsing. Not a receipt 30 days later.

Amazon app open on iPhone with a Forgo push notification appearing at the top: 'Pause before Amazon. You're already over your Amazon budget this month. Tap to see where you stand.'
Layer 3 · Lock

The credit-card-decline moment, built into your phone.

Turn on Push + Lock and the app itself becomes unavailable when you're over budget. Not a pop-up you can dismiss. A hard stop. Raise the budget in Forgo or wait for the month reset. You always hold the key.

iPhone home screen with Amazon locked. Forgo has restricted the app because the user is over their monthly Amazon budget
Layer 4 · Your money person

Ask what to do. Answered from your numbers.

A private banker in your pocket, if a private banker was free and knew your exact debts, income, and spending. Ask "snowball or avalanche for my debts?" and get a call, not a menu. Ask "I have extra money this month, where should it go?" and get one recommendation with the interest saved calculated. Facebook groups give you generic answers. Forgo gives you the same answer, calibrated to your real numbers.

Forgo money person screen with preset questions like 'Snowball or avalanche for my debts?' and 'How much am I actually saving with Forgo?' plus a free-conversation counter at the top
Clarity

What Forgo actually is.

✓ Forgo is
A nudge before you cross your budget
A pattern-breaker on your worst spend
A redirect from over-budget spend to your goal
A money person that knows your numbers
Calm, ally-tone, non-judgmental
Always your decision in the end
✗ Forgo is not
A budgeting app you'll quit in 3 months
A retrospective tracker (that was Mint)
A dashboard full of charts
A licensed financial advisor
A lecture about your habits
Forgo Goals status view showing dollars forgone this month rolling toward a debt payoff goal
The upside

The money you don't overspend at these places can go toward more important goals.

Attach any place budget to a goal: a credit card, a cushion, whatever you're actually working on. Forgo tracks what you didn't spend and prompts you to send it there.

No goal set? The number still climbs. Your money, your call.

Why I built this

"I put myself $100K in debt before 30 — and paid off $86K of it over the next 4 years, mostly by fixing what Forgo now does automatically. I built this for the version of me from three years ago."

— Rojay Chase, Founder · Building in public

Ready to forgo it?

Forgo is live on the App Store. Download free and stop the over-budget spend before it happens.

Download on the App Store

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Download Forgo