Smart planner
Know your number before you spend.
Your pay, bills, savings and the people you help come first. What's left is your daily amount. It changes as you go.
Today
MoneyOS
Good evening
Example data
Left to spend today
On track₦0
Today's budget₦0
Spent₦0
Tomorrow₦0
Your total worth
includes investments and business₦0
Today
This month
Income₦0
Expenses₦0
Invested₦0
You saved0%
Last 7 days
Spending by type
Biggest money leak
Income and expenses
New goal
Everything you own
₦0
You put in₦0
Gain₦0
Shares₦0
Your investments
Add an investment
Find today's NGX prices on AFX NGX live or ngxgroup.com. Then tap Update on the investment. Adding what you already own does not change your daily budget.
Invested this month
₦0
Plan to invest₦0
Leftovers invested₦0
Today's leftover₦0
I have money. Where should it go?
Any amount. ₦500 or ₦500,000. We follow each place's lowest amount. So no money gets stuck.
Emergency fund
₦0 savedtarget ₦0
Until this is full, most new money goes here first. It sits in a money market fund. You can take it out in a few days.
Your monthly plan after 12 months
Where naira can work now
October 2026Inflation (prices going up) was 14.63% in September. Money earning less than that is losing value. Only use fund managers and apps registered with SEC. Check today's rate before you invest.
Family
Parents, partner, children, brothers, sisters
₦0
Black tax
Aunties, uncles, cousins, friends, the rest
₦0
Business
Your own money put into your business
₦0
Before you send
Someone asked for money? See which budget pays and what it costs you. Then send.
Your businesses
all timeMark money as capital or a loan. Capital means you own it. A loan means the business must pay you back. You see what each business still owes you. So your own money does not get lost in the business.
Who you support
this monthParents, partner, children, brothers and sisters go to Family. Everyone else goes to Black tax. If a bank alert has the word, we sort it for you.
Smart deals
Pay less. Send more home. MoneyOS only shows you. It never pays or sends money for you.
MoneyOS Legacy
Family protectionIf something happens to you, one person you trust can open your locked data. It holds what you own, your papers, contacts and a letter. They must wait first. You choose how long.
Your money plan
Bills and monthly payments
Rent, DSTV, Netflix, school fees, UK council tax. We remind you the day before. And at 7am on the day.
Rates
We update rates each day. They show your pounds, dollars and euros in naira. Turn this off to use your own rates.
Phone alerts
Safety
Signed in as . Your money data is locked on this phone. Only your password opens it (AES-256). We can't read it.
Change password
A copy of all your data in a JSON file. Keep it safe. It is not locked.