Hey —
I’m Fogo.

I get your money.
And I’ve got you.

Calm
Here’s where your money actually went last month — no tagging, no spreadsheet. I just get it.
6 categories
Housing$2,100Dining & Delivery$640Groceries$520Transportation$310Shopping$280

Money talks. Fogo listens.

Every account, every dollar, every obligation.
Understood, not just listed.

Via Plaid, in about 60 seconds. No account needed.

Bank-level encryption · Fogo never sees your credentials · Your data never trains our AI

What makes Fogo different

Not a budgeting app.
An intelligence layer.

Six principles that set Fogo apart from every other finance tool.

The AI is the product▼

Fogo isn't a chatbot bolted onto a finance app. It's the brain. Every page, every number — Fogo is watching, thinking, and connecting the dots.

Understands how you spend▼

Go deeper than transactions. Fogo learns your real rhythms and what actually matters to you — so the picture fits your life, not a generic budget.

Built on structural trust▼

Your bank credentials flow through Plaid — Fogo never sees them. Your data is scoped to your account on every request, never mingled with anyone else's. And the AI never trains on what you share.

NEW
Truth with compassion▼

Fogo's always honest with you — but never harsh. No guilt trips, no cheerleading, no shame. Just a clear picture and a calm next step forward.

FIRE
Built to get you ahead▼

Every category, insight, and review points the same way — toward more of your money staying yours, and real progress you can actually feel.

Monthly review ritual▼

A structured AI-guided reflection every month. Your numbers, your behavior, your commitments — held accountable, every single month.

Your data is safe with us

Your bank password never
touches Fogo's servers.

Plaid handles authentication — Fogo only receives a read-only token. Your data is never used to train AI models or shared outside your session. Delete your account and your data is permanently purged from our systems.

PtokenFOGOread-onlycredentials blocked
Credentials via Plaid only▼

Your bank login never passes through Fogo. Plaid authenticates directly — Fogo gets a read-only token.

Your data works for you, not us.▼

Fogo keeps a running understanding of your financial patterns to give you better insights over time — but that context lives in your account, belongs to you, and is never used to train AI models or shared beyond your session.

txnsAIreviewsbankspurged, not hidden
Full deletion, always▼

Delete your account and Fogo hard-deletes your data in one pass — transactions, reviews, usage records, bank connections (revoked at Plaid, not just unlinked). No soft-delete, no leftovers in our database.

Have a look around.

Real screens from the running app, on your desk and in your pocket.
Nothing drawn, nothing staged.

Scroll the window, click through the sidebar, or tap along the bottom of the phone. Controls ringed in amber inside a screen are live too — press one to see what it does.

askfogo.com

Ask Fogo. On a phone, Fogo is the front door. It opens on its read of your month, and the conversation is one swipe away when you want to ask about it.