MoneyOS
Good evening
Example data
Left to spend today
On track₦0
Today's budget₦0
Spent₦0
Tomorrow₦0
Net worth
investments + business₦0
Today
This pay cycle
Money in₦0
Money out₦0
Invested₦0
Savings rate0%
Last 7 days
Spending by category
Biggest leak
Transactions
New SMART goal
Everything you own
₦0
You put in₦0
Gain₦0
Stocks₦0
Holdings
Add an investment
Check today's NGX prices on AFX NGX live or ngxgroup.com, then tap Update on a holding. Recording what you already own does not touch your daily budget.
Invested this pay cycle
₦0
Invest-first plan₦0
Swept leftovers₦0
Today's leftover₦0
I have money. Where should it go?
Any amount. ₦500 or ₦500,000. The split respects minimum tickets, so nothing gets stuck.
Emergency fund
₦0 savedtarget ₦0
Until this is full, the planner sends most new money here first, in a money market fund you can withdraw in a few days.
Your monthly plan, 12 months on
Where naira can work now
October 2026Inflation was 14.63% in September. Anything earning less is losing value in real terms. Only use SEC-registered fund managers and platforms. Check today's rate before you invest.
Family
Parents, spouse, children, siblings
₦0
Black tax
Aunties, uncles, cousins, friends, the rest
₦0
Business
Personal money into your businesses
₦0
Before you send
Someone just called. See which pot pays and what it costs you before you transfer.
Your businesses
all timeMark money as capital (you own it) or a loan (the business must pay you back). Loans show what each business still owes you, so personal money doesn't quietly disappear into the business.
Who you support
this cycleParents, spouse, children and siblings go to Family. Everyone else goes to Black tax. Transfers whose alert contains the keyword are filed automatically.
MoneyOS Legacy
Family protectionIf something happens to you, one trusted person can open a vault of your assets, documents, contacts and a letter, after a waiting period you control.
Your money plan
Bills and subscriptions
Rent, DSTV, Netflix, school fees, UK council tax. You get a reminder the day before and at 7am on the day.
Phone notifications
Security
Signed in as . Your data is encrypted on this phone with a key only your password can unlock (AES-256). The server stores ciphertext it cannot read.
Change password
A readable copy of everything in your vault, as a JSON file. Keep it somewhere safe: it is not encrypted.