Private by design · Bill management
See every bill coming. And nobody reads them but you.
Shugo keeps every bill in one place and tells you what's due next — locked on your own device with a key we never receive.
Free for 7 days, no card needed. $9.99 a month after that. Cancel whenever you like.
One screen, everything you owe
- 01
Add a bill in seconds
Type it, or photograph a paper bill and Shugo reads the amount and due date.
- 02
It's sealed on your device
Locked with your key before it leaves — we store only the scrambled version.
- 03
See what’s due next
Sorted by what’s closest, and repeats roll forward on their own.
Once your bank is connected
It watches the money too
Bills are the half you already know about. Connect your bank — optional — and Shugo works out what's actually safe to spend from the lowest of your last 8 weeks. Never the average.
- Your worst week, not your averageThe lowest of your last 8 weeks of income. One good week can't inflate what's safe to spend.
- Bills come off firstEverything due in the next 14 days is set aside before a dollar counts as spendable.
- Early, while you can still actIf your balance is headed low, Shugo says so ahead of time. It warns you — it never blocks a payment.
The facts, up front
Not a bank, lender, or adviser — Shugo never touches or moves your money.
The one thing we can't undo
Lose your recovery code and every signed-in device, and nobody can open your bills — including us. That's the cost of a key we never hold. Keep a backup and you're safe.
Ready when you are
Sign in with Google. Nothing to install.
Free for 7 days, no card needed. $9.99 a month after that. Cancel whenever you like.