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Know what you can spend while saving for what’s next.

Sego is a monthly money plan for your household. Connect your accounts. Plan for bills, shared spending, personal wallets, and savings. Then see what is left to spend, every day of the month.

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For households with a steady income and room to save. Public signup is not open yet. Join the waitlist for launch updates.

August 2026Example household, on August 15

Chase card is out of date. Estimates may be incomplete.

Planned household spending$6,000

$4,392 spent so far. Day 15 of 31.

Estimated savings at month end$2,517
Goal
$2,500
Status
On track
This month
  • Groceries$564 of $1,200
  • Utilities$200 of $500
  • Household supplies$95 of $300
  • Shared spending$433 of $500
Recent activity
  • Amazon−$35
  • Park Picnic−$133
  • Amazon−$60
  • REI Refund+$40

Your bank shows what you spent. Sego helps you plan for what is still ahead.

One household plan

Bills, shared spending, personal wallets, and savings in one plan.

Clear monthly spending

See what is left to spend this month, at any time.

Savings with a purpose

Set a monthly target, make goals, and put them in order.

Your accounts, together

See transactions from all your connected accounts.

How Sego keeps your plan current

You choose the amounts that work for your household. Sego uses new bank activity to show what remains and how your savings outlook changes.

  1. Connect your household’s accounts

    Connect your banks through Plaid. Choose the accounts your household uses. Sego reads your income and spending history to suggest a first plan.

  2. Decide what you want to save

    Set your income, regular bills, and a monthly savings target. Give shared spending and each personal wallet its own amount. Put money aside for bills that come later.

  3. Let new activity update the outlook

    New bank activity updates what is left to spend and your estimated savings at month end. Open a purchase to move it to a different part of the plan.

  4. Check the plan before you spend

    See what is left for shared spending. Keep personal wallets separate. Compare your savings outlook with your target. Plan amounts are not your bank balance.

What happens when you make a purchase?

Step through one example month. See how the plan changes after a $300 personal purchase.

Start with the month’s income

This household plans how to use its $10,000 income before August begins, covering regular costs and future bills while leaving room for personal spending and a $2,500 savings goal.

This example uses sample data. It does not connect to a bank.

Example householdAugust plan
Monthly income$10,000
Monthly costs
$5,500
Future bills
$500
Savings goal
$2,500
Personal spending
$1,000
Shared spending
$500

The plan gives every dollar of income a job.

Amazon and email receipts

See what’s inside your Amazon spending.

A card charge from Amazon does not tell you if you bought diapers, a shirt, or both. Forward the receipt email to Sego. Sego shows the items behind the charge, so each item can go to the right part of your plan.

What was in that $95 order?

In this example, diapers and batteries share an order with a trail shirt. Amazon sends the order in two shipments and charges the card two times.

What the card shows
Amazon$60
Amazon$35

The receipt adds the missing detail.

Amazon orderExample receipt
$953 items in 2 shipments
  • DiapersQty 1
    $42
  • AA BatteriesQty 1
    $18
  • Trail shirtQty 1
    $35
Matched to 2 card charges$95 total

Sego matches the receipt to the card charges. The purchase counts only once in your spending.

Give each item a place in the plan

Count the diapers as household spending and the shirt as personal spending, even when you bought them together. Some items can also count toward a savings goal.

Connect one order to many charges

One order can cause several card charges. The receipt details stay with the charges they explain, so nothing counts twice.

Forward receipts from other stores

Forward receipt emails from supported stores to your Sego address. Sego reads the email text. It does not read PDFs, scans, or photos.

Receipt matching depends on the email details and bank activity available. Public signup is not open yet.

A plan is more than a list of expenses.

Last month’s spending does not tell you what fits today. Sego puts your bank activity, bills, personal wallets, and savings into one household view.

An expense tracker asksSego helps you answer
A store name and a totalThe receipt items behind the purchase
Where did the money go?What can we spend next?
Keep the categories up to dateKeep the whole month in view
Review each transactionAnswer only when it changes the plan
Read the account activitySee the effect on savings
Check accounts one at a timeSee one household plan

Planned for the first release

Made for the details of household money.

One Amazon order can hold groceries and a gift for yourself. A bill can come only once a year. Your plan must handle both. You should not have to sort every transaction each week.

  • Bank activity in one place

    See transactions from all your connected accounts. Open a purchase to see receipt details or to give it a different place in the plan.

  • Left to spend this month

    See what remains for regular costs and shared spending. Personal amounts, savings, and future bills are already set aside.

  • Savings with a purpose

    Set a monthly savings target. Make goals and put them in order. See what you saved so far and your estimate for month end.

  • Separate personal wallets

    Give each adult an amount for personal spending. Move a purchase or a receipt item to a wallet, and see the effect before you save.

  • A plan for bills that come later

    Put money aside for yearly and irregular bills. Track regular bills. Include savings that you keep at other banks.

Who is Sego for?

You have a regular income and money to save. But keeping a budget current has become one more chore.

Maybe you check several accounts to see if a purchase fits. Maybe you cannot remember what was in an Amazon order. Sego puts those details into the same monthly plan.

Sego is for household planning. It does not give debt crisis support, business accounting, or investment management.

You stay in control of your accounts.

Sego helps you understand your plan. You decide what to do with your money.

Your bank holds your money
When you set aside savings in Sego, you give it a place in the plan. You make any transfers yourself, at your bank.
Personal spending has its own amount
Personal amounts stay separate from the shared household amount.
Estimates depend on current data
Your plan uses bank data. Sego tells you when an account needs attention.

Planned launch pricing

One subscription for your whole household.

Both options include all features for every adult in the household. There is no extra fee for each person or account.

  • No ads. No sale of your financial data.
  • Pay each month or each year.

Yearly

Best value

$10.00/ month

$119.99 USD billed each year

Save $59.89 a year compared with monthly.

Monthly

$14.99/ month

$14.99 USD billed each month

A 14-day introductory trial

The planned trial needs a payment method. Each household and subscription owner can use it once. After 14 days, you need a paid subscription to continue.

We plan to start with invited U.S. households. You cannot sign up or pay on this site yet.

Questions and answers

What Sego does, what it costs, and what it does not do yet.

What is Sego?

Sego is a household money planning app. Connect your accounts, review your income and spending history, and build a monthly plan for bills, shared spending, personal wallets, and savings. Your home view shows what’s left to spend, what you’ve saved so far, and your estimated savings at month end.

How does Sego connect to my accounts?

Sego uses Plaid to connect bank accounts and bring transactions into one household view. You choose which accounts belong in the plan and can check connection and import status in Settings. Public signup is not open yet.

What does “left to spend this month” mean?

It is the amount left for household spending after the plan accounts for personal wallets, savings, and future bills. It is not your bank balance. The result depends on your plan and available bank data; it does not guarantee that cash is available in a particular account when a payment is due.

How do personal wallets work?

Personal wallets keep individual spending separate from shared household spending. You can assign a purchase or a matched receipt item to a wallet. Sego shows the effect on your plan before you save the change.

How does Sego help with savings?

Set a monthly savings target and give individual goals a purpose and priority. Sego shows savings progress and an estimate for month end. You can also plan for future bills and track savings held in other accounts. Setting money aside in Sego does not make a bank transfer.

How does Sego track Amazon purchases and receipts?

Forward receipt emails to your Sego address. Sego uses the item and order details to match receipts to bank activity, including separate shipment charges when the evidence supports a match. Matched items can be assigned to shared spending, a personal wallet, or an eligible savings goal.

Will receipt tracking work beyond Amazon?

Sego reads forwarded receipt emails from supported stores. It reads the text and HTML in the email. It does not read purchase details from PDFs, scanned receipts, or photos. A receipt adds detail to an existing purchase rather than counting it again.

What about returns and refunds?

Sego has receipt and refund tools, but some refund and past-month combinations are still being completed. A complete automatic return-tracking experience is not available yet.

Do I have to review every transaction?

You can use the plan without approving every transaction. When a purchase needs a different place in the plan, open it, choose the assignment, and review the effect before you save.

Does Sego move my money?

No. Sego doesn’t hold or move money; when you set aside savings, you give it a place in the plan. You keep control of your bank accounts and make any transfers yourself.

Who is Sego for?

Sego is for households with steady income and room to save that want a shared view of their money. It helps you plan across several accounts without treating personal spending as shared spending.

How much will Sego cost?

Planned launch pricing is $14.99 USD per month or $119.99 USD per year for a household, including all adult members and required accounts. The annual price works out to about $10.00 per month, billed once a year. Both options include the same features.

Will there be a free trial?

The planned trial lasts 14 days and requires a payment method, with one trial per household and subscription owner. A paid subscription is required after the trial. Signup and payment are not open on this site yet.

When can I use Sego?

Sego is in development for web, iOS, and Android. Public signup is not open yet. Live service checks and app store release work are still in progress.

A calmer month with money starts here.

Sego is not open yet. Join the waitlist and we’ll let you know when it is ready.

By joining, you agree to get email updates about Sego’s launch. We store your email and signup date. No account or payment needed.