A calm intelligence layer for your recurring spending.

Most people in North America carry a stack of small recurring charges that they signed up for once, forgot about, and never think about again. The reason isn’t laziness — it’s the structure of how those charges work. Payment friction research has shown for two decades that automatic billing systematically degrades the cognitive accounting that would normally interrupt unwanted spending. The result is predictable: people pay for services they don’t use, and the amounts add up.

The existing market is loud, savings-led, and bundled with budgeting tools. Frugavo is the opposite. We treat recurring spending as a calm intelligence problem: surface what you can’t see, notice what changes, and stay out of the way the rest of the time.

Frugavo is not a budgeting app, a credit-monitoring service, or a financial advisor. We focus on one surface — your recurring charges — and try to do it well: detect them, interpret them, observe them over time, and tell you only when there’s something meaningful to know.

We don’t store bank credentials, we don’t sell your data, and we don’t train models on your subscription history. The product is structured this way because the business doesn’t need anything more, and your trust is the thing we have to earn before any of it works.

Free forever for discovery: link an account, see every recurring charge, get a direct cancel link for each. The paid Protection tier is $4.99/mo and adds the continuous layer — price-change alerts, free-trial conversion warnings, renewal forecasting, cancel-assist with confirmation tracking, and multi-account coverage. A 7-day free trial comes with it, no commitment.

If you’d like to use it, start from the main page.

For press, partnerships, careers, or anything else, email hello@frugavo.com. We read every message.