Three-bucket system
Split every naira across clear buckets so spending and saving stay intentional.
Built for Nigerian professionals
Budget your naira.
Build real wealth.
The only budget planner built for Nigeria — T-bills, PiggyVest, annual rent, and everything in between. No bank sync. No real money.
No credit card · No bank connection · 100% free
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Features
Everything your budget needs
T-bills & investment tracker
Log treasury bills and platform investments with maturity and return context.
Grocery list with deferred pricing
Build lists, add prices when you shop, and total up before you pay.
Rent jar
Turn annual rent into a monthly savings target you can actually hit.
Wealth projection
See where your savings rate could take you over the next few years.
How it works
Set up in 5 minutes
Enter your income(s)
Add every stream so your plan reflects real life.
Split across your buckets
Give every naira a job before the month runs away.
Log expenses as you spend
Stay honest with quick logs — no bank connection required.
Track T-bills and investments
Know what matures when, and what your portfolio is doing.
For who
Made for people like you
The Professional
Dual income, wants to track T-bills and stay on top of rent.
The New Earner
First big salary — you want structure without feeling boxed in.
The Saver
Already using PiggyVest — add a planning layer on top.