Know what's yours to spend — before it's gone.

FOMO-FI forecasts your bills, tracks your debt payoff, and shows the real number left over after everything's covered — based on your real habits, not a guess.

Start your 7 day free trial today!

Connect your accounts

Securely link your bank so income and bills sync automatically.

Forecast your spending

See what's safe to spend before your next paycheck lands.

Eliminate debt on your terms

Snowball or avalanche — FOMO-FI sorts the payoff order for you.

Real-time updates

Your number recalculates as bills post and debt drops.

9:41📶 🔋
FOMO-FI
✓ Recurring bills covered
$1,860.00
Upcoming bills scheduled
Aug 14 — Rent$1,200
Aug 18 — Card payoff$300
Remaining to spend$793
Next paydayAug 30 · $1,432
What it does

Every dollar, accounted for before it disappears.

Most budgeting apps show you where money went. FOMO-FI shows you what's left — before you spend it.

Debt elimination, your way

Choose snowball or avalanche. FOMO-FI re-sorts your balances and shows the payoff order and timeline as you pay them down.

Bill forecasting

A 12-month lookback finds bills that repeat — even irregular ones — and predicts the next due date and amount before it hits.

What's actually free

After bills, debt payments, and savings are set aside, see the real number you're free to spend — not your raw balance.

Discretionary averages

See what you typically spend on the stuff that isn't a bill, so your budget reflects how you actually live.

Savings, built in

Set a goal and FOMO-FI treats it like any other obligation — allocated before it can get spent elsewhere.

One number, always current

Everything reconciles into a single figure that updates as bills post, debt drops, and income lands.

Start your 7 day free trial today.

No spreadsheets, no guesswork — just the number you're actually free to spend.

Cancel anytime. No charge for 7 days.