Your Money System, Simplified
Payogo turns your transactions into practical weekly decisions, so you can manage spending, hit your budgets, and keep more money available for what matters most.
Multi-bank transaction sync
Unified spending timeline
Budget risk alerts
Action-focused AI insights
Text highlight: "Does this help me do more for the people who depend on me?"
Every Payogo insight is designed to answer this question.
4-Step Flow
1
Connect your account
Link one or more banks with read-only transaction access through Plaid.
2
Auto-categorize your spend
Payogo groups transactions so you can see where money goes across all banks.
3
Set category budgets
Define budget limits for food, transport, remittance, and other core categories.
4
Get alerts + weekly actions
Receive early warnings and specific guidance before you overspend.
If no bank is connected yet, you can still use manual entry and receipt scanning. AI guidance works best once transactions are linked.
What You Get
✓
One view, all banks. Stop checking each app separately and see complete spending in one place.
✓
Budget confidence. Track progress by month and get risk signals before you miss your target.
✓
Actionable insights. Recommendations tell you what to adjust this week, not just what happened.
A
Automatic Sync
Pull transactions from multiple institutions without manual uploading.
B
Budget Guardrails
Progress bands and warning thresholds keep you ahead of overspending.
C
Smart Alerts
Get notified when spend pace means your budget is likely to miss target.
D
Manual Backup
Add receipts and manual entries anytime if a transaction source is missing.
E
Read-Only Security
Bank connection is for transaction reading only. No transfer permissions.
F
Insights That Act
Recommendations tell you what to adjust this week to stay on track.
Ready to try it?
Connect your accounts in minutes, or start manually and connect later.