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Complete feature reference
No credit card required. No trial. No expiry. Just clarity.
The core
Goji gives you one number that tells you exactly what you can spend today — and what you can send home.
After bills and family support, before budget allocations
What you can freely spend today
What you can safely spend each day until payday
How it works
No black box. Every number explained.
Example based on regional research. BLS Consumer Expenditure Profile · FRED Economic Data · Migration Data Portal
Voice entry
"Spent 50 on lunch" — tapped once, saved instantly. No keyboard. No forms. No categories to hunt for.
Free forever
"Spent 50 on lunch"
"20 for uber"
"Sent 300 home to family"
"Paid 500 credit card bill"
AI coach
Before the WhatsApp comes. Before you open your banking app. Ask Goji first.
Get an answer built around your actual Safe to Spend — not just your balance. Goji knows what you've reserved, what you've spent, and what's left.
Goji explains exactly what's eating your number this month. Bills? An unusual expense? Pace running high? You'll know.
Compare your spending this month to last month. See if you're ahead or behind. Get plain-English guidance, not spreadsheets.
Insights engine
Goji watches your spending and tells you what matters. Every week.
STS running low
Spending pace high
Budget exceeded
Category spike
Large transaction
Goal milestone
Plus 6 more insight types — everything from bill spikes to subscription detection to safe-to-send alerts
Planning
Traditional features, built for how you actually use them.
Monthly budgets by category. Progress bars that turn green → amber → red as you spend. Drill down to see every transaction.
Save for what matters. Emergency fund, vacation, phone, rent deposit. See progress, track ETA, quick-add contributions.
Track what's due, when it's due. Mark as paid with one tap. Family support and home support are first-class bill types — reserved before anything else.
Infrastructure
Add transactions, create budgets, set goals — all without internet. Syncs when you reconnect.
Voice entry understands English, Nepali, Hindi, Spanish. App interface in English. More languages coming.
Connect your bank if you want. Never required. Manual entry works perfectly. US only via Plaid.
Always free. No credit card required. No upgrade pressure.
| Feature | Clarity Free, always |
|---|---|
| Family support commitment | ✓ |
| Safe to Spend | ✓ |
| Manual + voice entry | ✓ |
| Unlimited history | ✓ |
| Weekly AI insight | ✓ |
| AI coaching | ✓ |
Built by someone who lived this problem. For everyone still living it.
Priority Access — Limited Spots
Top 10 get personal onboarding with the founder.
Get Priority Access →No spam. Just your number, finally clear.