Everything Fugio does.
AI first, math always.
The complete capability list — from the AI agent that answers questions about your money, to the projection engine that shows you next year.
A financial agent on web and Telegram
A tool-using AI assistant that reads your real data through nine purpose-built tools and answers in plain language. It can also record spending, income, transfers and debt payments from a chat — but only after you confirm.
Natural-language answers
“Did I already pay my Visa?” “What's due in two weeks?” “How much did groceries cost in 3 months?” — computed from your ledger, not guessed.
Record money by chat
“Log a $40 gas purchase from chequing.” The assistant drafts the entry through the same endpoints you'd use — with a confirmation card first.
Bring your own model
OpenAI, Anthropic, xAI, DeepSeek, Qwen and more via one adapter. Your keys, your provider, your costs — no vendor lock-in.
Telegram, on the go
Bind your chat to your account and query balances, upcoming bills or your full snapshot from Telegram — the same audited assistant.
Exact loan math
“Can I afford $1,500/mo?” runs real annuity math (and derives implied APR from a quoted payment) against your projected liquid cash.
Confirmation-gated & audited
Nothing records without your approval (optional auto-confirm ceiling for small amounts). Every action is tagged in the append-only ledger.
Schedule-driven cashflow, months ahead
Your future balance is computed from your actual schedules — paydays, bills, loans, budgets — not from category averages.
Any frequency, any horizon
Biweekly, monthly, quarterly, yearly — the calendar engine handles clamping and edge months. Project 1 month to years ahead.
Liquid vs net-worth views
Projection profiles define what the main line means: spendable liquid cash, or total net worth including what you owe.
Cash drops, flagged early
Projected negative balances are marked on the chart before they happen — so you can act, not react.
Debt-aware projection
Cards and loans amortize on their due dates; fixed-schedule loans follow the bank contract verbatim. Payments render as transfers or expenses, correctly.
Test life changes before you commit
Simulation clones your whole financial picture into a sandbox. Every edit is a reversible what-if; the Tools hub adds calculators for big decisions.
What-if sandbox
A raise, a new loan, a paused subscription — edit anything and watch the projection change. Real data untouched.
Changes log with undo
Every what-if is listed and individually reversible. Save scenarios (1 free, more on Premium when billing lands).
Job Offer Comparator
Salary, equity, commute, pension vesting, risk — side by side, with localized tax editions (CPP/EI, Ontario rates) and a global shape.
More tools coming
Rent vs Buy, FIRE & savings-goal projector, loan prepayment comparators — each wired into the same engine.
Know where money goes — and where it's going
Debts & payoff analytics
Balances, schedules, progress bars, and prepayment analysis that ranks where an extra payment saves the most interest — or frees the most monthly cash.
Budgets that project
Monthly, semi-monthly, quarterly budgets spread into the projection; per-slice status vs recorded spend.
History & search
Every recorded payment, income, adjustment and revert — searchable, revertible, never silently deleted.
Investments
Stock & ETF portfolios with holdings, market value and gains, in trade currency with FX handling.
Your data stays yours
Append-only ledger
Revert, never delete. Changes are compensating entries — your history can't be quietly rewritten, by you, by us, or by a bug.
Per-user isolation
Every record is scoped to your account. Encrypted at rest for sensitive fields, TLS in transit, restore-tested backups.
Multi-currency
Any household, any currency — the core is currency-agnostic, with localized tool editions layered on top.
No bank logins
You control your inputs. No third-party aggregators fetching your transactions.
See it on your numbers.
Join the invite-only beta and put the projection, the simulation and the AI assistant to work on your household.
Request an invite (Beta)