How to Use Your Mobile Banking App to Build a Small, Rs. 2,000 Safety Cushion
Don't let sudden medical bills or house repairs break your monthly rhythm. Learn how to build a simple emergency cushion using your mobile banking app.
Read →आज कति खर्च गर्न सकिन्छ — र कति बचत गर्न सकिन्छ, ठ्याक्कै थाहा पाउनुहोस्।
Free forever · No bank required · Android now
The problem
Every salary disappears before you understand where it went. Goji changes that.
You get paid once a month. By week three, you're not sure what's left — and payday still feels far away.
You know it's expensive. You never know exactly how expensive. Every year, the same uncertainty.
Every budgeting tool shows dollar signs and foreign bank categories. None of it fits how Nepal actually works.
Goji is the first app built for how you actually live.
No bank required. Just your salary, your bills, and what matters to you.
Salary, irregular income, or just your current balance
Family support reserved FIRST — before your spending number
Safe to Spend — after bills, after family support
Safe to Spend
रू२५,५००
What you can freely spend today
After commitments
रू२०,०००
What's truly yours
No other app accounts for what you send home. Goji does.
Early Access — Nepal
Goji is free forever in Nepal. This is a promise, not a pricing decision.
Join the Waitlist →No spam. Free forever.
No black box. Every number explained.
Say what you spent in Nepali or English. Your number updates instantly.
Ask if your रू१५,००० in commitments is covered this month. Get an answer built around your actual balance.
Before your Safe to Spend hits zero, Goji tells you.
No credit card. No trial. No upgrade pressure. Ever.
| Feature | Clarity Free, always | Control Waitlist |
|---|---|---|
| Safe to Spend | ✓ | ✓ |
| Bills and commitments | ✓ | ✓ |
| Manual + voice entry | ✓ | ✓ |
| Unlimited history | ✓ | ✓ |
| Weekly AI insight | ✓ | ✓ |
| Budgets | 5 max | Unlimited |
| Goals | 3 max | Unlimited |
| Bills | 5 max | Unlimited |
| AI coaching | Monthly | Unlimited |
| Bank sync | — | — |
| On-demand insights | — | ✓ |
| Household budgeting | — | — |
Your data stays yours
Encrypted on your device
Balances scrubbed from all logs
Biometric lock
Read our Privacy Policy to see exactly what we collect and why.
Milan moved countries and kept doing the same math every month — what can I spend, what can I send, is it enough. He built Goji because no app understood both questions. It still doesn't charge for the answer.
“I built the app I needed.”
— Milan, Founder
Don't let sudden medical bills or house repairs break your monthly rhythm. Learn how to build a simple emergency cushion using your mobile banking app.
Read →Mismatched expectations can strain family relationships. Learn how to share clear local cost updates with your sender abroad to build a stronger financial plan.
Read →Built for Nepal. Free forever. No bank required.
We will never charge Nepali users.
This is a promise, not a pricing decision. Goji is free forever in Nepal.
Works in NPR
No exchange rate confusion
Manual entry
No bank login needed
Works offline
No internet? No problem
Your money. Finally yours to understand.

Android available now. iOS — reserve your priority spot.