Track Every Dollar. Master Every Decision. Multiply Your Wealth.

AI-powered spending intelligence that understands your cross-border life. From receipt scanning to smart remittance timing, we help you keep more of what you earn.

Auto-track every expense via receipt scanning

AI insights reveal where your money really goes

Save 15%+ on remittances with rate alerts

Start Tracking Free No credit card • 2 min setup See It In Action

📸 AI

Receipt Scanner

💱 4+

Currencies

🔒 Free

Forever

💡 AI Insight of the Day

You're spending 40% more on food this month. Consider meal prepping to save $180/month.

This Month's Spending $1,240 / $2,000

🍕

Food & Dining

⚠️ 40% over budget

$560

💸

Remittances Home

✅ Best rate this week!

$400

🚌

Transport

On track

$180

Your Money, Tracked Automatically

From receipt to insight in seconds. No manual entry. No spreadsheets. Just intelligence.

📸

1. Snap Your Receipt

Take a photo of any receipt—restaurant, grocery, gas station. Our AI reads it instantly.

AI Extracts:

✓ Amount: $45.67
✓ Merchant: Whole Foods
✓ Category: Groceries
✓ Date: Dec 8, 2025

🤖

2. AI Analyzes

Smart categorization, spending pattern detection, and multi-currency conversion happen automatically.

💡 Insight Generated:

"You're spending 30% more on groceries this month. Try Costco to save $120."

📊

3. Make Smarter Decisions

See where every dollar goes. Get alerts. Optimize remittances. Reach goals faster.

🎯 Action Items:

✓ Cut food budget by $180
✓ Send $500 home today (best rate)
✓ On track to save $2,400 this year

Start Tracking Your Spending Now →

Join 500+ people who track $2M+ in expenses monthly

Financial Intelligence That Works For You

Not just tracking—actionable insights that help you keep more money

📸

AI Receipt Scanner

Zero manual entry. Snap, scan, done. Our computer vision extracts merchant, amount, category, and date from any receipt in 2 seconds.

🧠

Smart Spending Insights

"You spent 40% more on food this month." AI analyzes patterns, catches overspending early, and suggests specific actions to save.

💱

Multi-Currency Intelligence

Track USD, earn CAD, send GHS. Real-time conversion, spending analytics per currency, and remittance rate optimization.

💸

Remittance Optimizer

Save $200+ per year. Compare 6+ providers, get alerts when rates favor sending home, and never lose money to hidden fees.

📊

Beautiful Analytics

See where every dollar goes. Interactive charts, spending trends, category breakdowns, and month-over-month comparisons.

🎯

Goal Tracking + Predictions

"You'll reach $10K in 8 months." AI predicts goal completion dates and suggests budget tweaks to get there faster.

Real Stories, Real Savings

See how Payogo helps people track smarter and save more

💬

"I was blindly spending $800/month on food without realizing it. Payogo's receipt scanner caught every transaction and showed me the pattern. I cut it to $500 and saved $3,600 last year. Plus, the remittance alerts helped me send money home when GHS rates were best—saved another $240!"

👨🏾‍💼

Kwame A.

Software Engineer, Atlanta → Accra

✅ Saved $3,840 in 12 months

At Payogo:

We understand managing money across continents because we live it. From student budgets in Madison, Atlanta, Pensylvannia, or anywhere in USA to family support back home, Payogo speaks your financial language.

Whether you're sending money to Accra, Lagos, or Nairobi while building your American dream, we're here to make it easier.

🇬🇭

Ghana

GHS support, MTN MoMo ready

🇳🇬

Nigeria

NGN tracking, largest market

🇰🇪

Kenya

KES support, M-Pesa integration

🇺🇸

United States

USD primary, full featured