Cashflow projection · AI‑powered

Look into the future.
Stop categorizing past transactions.

Fugio projects your household's cashflow forward from your real schedules — paydays, bills, loans, budgets. See your exact balance next month and next year, then test any what-if before you commit.

Request an invite (Beta) See how it works ↓

✓ Free while in invite beta ✓ Subscription-first, your data protected ✓ No bank logins required

Projected liquid cash DEMO DATA

How it works

Trackers look backward.
You need to look forward.

Budgeting apps tell you what you spent yesterday. Fugio starts from your schedules and answers the questions that actually keep you up: will March's car payment fit? What does a raise really do to my balance?

Schedule your cashflow

Enter income, bills and expected expenses once. Biweekly, monthly, quarterly — the calendar engine handles the dates, clamping and edge months.

Project the future

Your recorded balance up to today, then the projection beyond it — months or years ahead. Dips below your cushion glow red before they happen, not after.

Model the what-ifs

Flip on Simulation and edit anything: a raise, a new loan payment, a paused subscription. Every change is a reversible what-if. Real data untouched.

The product

Real screens. Real math. No stock mockups.

Everything here is the actual app running on a seeded demo household — dark mode, desktop and phone. Pick a screen below.

Fugio cashflow screen: recorded balance as a solid line up to today, the projection dashed beyond it, zoom presets from one month to ten years, insight cards for first negative day, horizon low and end-of-horizon balance, and a framed Upcoming and Past events panel below — **Cashflow projection** — your recorded balance, then every scheduled payment in and out mapped months ahead. Zoom from a month to ten years; dips below your cushion glow red.

Fugio in Simulation mode with an amber Simulation ON banner, an active plus 500 dollars a month take-home what-if chip, and the projection redrawn with the simulated balance — **Simulation what-if** — clone your finances, tweak a schedule, and watch the projection change. Changes log with per-row undo; real data untouched.

Fugio Tools hub showing the Job Offer Comparator calculator card — **Tools hub** — calculators for household decisions, wired into the same projection engine. First up: a Job Offer Comparator.

Fugio Debts view with loan and credit card balances and payoff plans — **Debts & payoff** — balances, schedules and prepayment analysis that ranks where an extra payment saves the most interest.

Fugio cashflow projection on a phone in dark mode with the mobile tab bar — **On your phone** — half of Fugio's usage is mobile. The full projection, in your pocket.

AI assistant · web + Telegram

An AI agent that knows your numbers.

Fugio ships a tool-using AI assistant on the web and on Telegram. Ask in plain language, get answers computed from your actual data — and log spending from a chat, on the go. Bring your own model: OpenAI, Anthropic, xAI, DeepSeek and more.

“Did I already pay my Visa this month?” Checks your debt-payment history and claim status.

“Can I afford a $1,500/mo loan?” Runs exact loan math against your projected liquid cash.

“How much did I spend on groceries in 3 months?” Searches your recorded ledger, not a category guess.

“Log a $40 gas purchase from chequing.” Drafts the entry — nothing records until you confirm.

✓ Confirmation-gated: the AI never moves money without your approval ✓ Bring your own model & keys — your data, your provider ✓ Every action audited in the append-only ledger

Why Fugio

Honest math, by design

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Schedule-driven projection

Your future balance is computed from your actual income and expense schedules — not from category averages or guesses.

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Simulation what-ifs

Clone your whole financial picture into a sandbox. Test life changes before you commit; undo any row of the Changes log.

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Household tools hub

Calculators for real decisions — starting with a Job Offer Comparator that weighs salary, equity, commute and localized taxes.

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No rosy projections

Append-only, revert-not-delete ledger. Honest math that respects variable income — and never quietly rewrites your history.

Ready to see your future?

Projections are estimates, not advice — but they're yours, months ahead of everyone else's.

Request an invite (Beta)