Plan
Live
Naira budget builder with city-calibrated suggestions for 12+ Nigerian cities. Diaspora mode in USD / GBP / CAD / EUR built in — switch the base currency, the rest of your plan stays intact.
Your salary stretches further when you can see it.
A planner that tracks Naira, side-hustle income, school fees, ajo contributions, and the price of a bag of rice — all in one place. No spreadsheets. No headache.
9:41
●●● 📶 96%
J
Good morning
Jide
Income
₦850,000
May 2026
Spent
₦247,000
29% of plan
Remaining
₦603,000
for the month
₦ Health
78
Healthy
Budget Breakdown
May
-
Rent₦255,000 / ₦255,000
-
Food₦62,000 / ₦170,000
-
Transport₦28,500 / ₦70,000
-
Savings₦200,000 / ₦200,000
-
Family₦18,000 / ₦40,000
Ajo turn ↗ · Sample
You receive ₦200,000 in 9 days.
The Money OS
Four pillars.
One Naija money brain.
Owo Planner is not just a budget tool. It's the planning layer built for how Nigerians actually earn, spend, and grow money.
Plan Live
Build a monthly Naira budget in 5 minutes. Plan vs Actual for 15+ categories, calibrated to your city. Diaspora mode in USD / GBP / CAD / EUR built in.
Save Live
Goal pots for the things that actually matter — Detty December, Japa fund, rent escape, Black Tax buffer, Tokunbo dream, Owambe season.
Learn Q3
Owo Academy — 12 bite-sized lessons in plain English: T-bills, mutual funds, ₦ vs $ inflation hedge, Japa money, the truth about Cowrywise vs Risevest.
Grow Q3
We don't custody your money — we point you to the best place for it. One tap from your surplus to Cowrywise, Risevest, or T-bills. You stay in control.
Owo AI Live
"Why am I broke after payday?" Ask anything — Owo AI reads your real numbers and answers in plain Naija English. Also plugs into Claude / ChatGPT via MCP.
Open Standard Live
Your data, your file. Export your full budget as a portable Open Financial Standard JSON. No lock-in. Ever.
How it works
Budget ready in
three steps.
01
Enter your income
Salary, side-hustle, ajo turn — tell us about your profile. Lagos, Abuja, Port Harcourt, Kano, or anywhere.
02
Allocate categories
We suggest realistic amounts for rent, food, transport + 12 more — calibrated to your city. Adjust to match your reality.
03
Get your health score
Your financial health score, spending breakdown, 12-month projection, and AI-powered recommendations — instantly.
FAQ
Common questions.
Is Owo Planner really free? Where's the catch?
No catch. Free forever. We're not a bank — we don't custody your money, so we don't need fees on transactions or yield. We'd rather be your money brain than your money jail.
How is this different from PiggyVest, Cowrywise, Risevest, or mypenny?
Those apps want to be your bank — they hold your money and earn from custody. Owo Planner is the planning layer above them. We help you decide which to use, plan how much to send, and track everything in one dashboard.
Is my financial data safe?
Yes. Your data is encrypted and stored securely. We never access your bank accounts, share your figures, or sell your data. Delete your account and all data any time.
Does Owo Planner connect to my Nigerian bank?
Not today — entry is manual. Optional opt-in bank-connect via Mono is on the public roadmap for Q3 2026. We'll never read your accounts without explicit consent.
How does the AI financial advice work?
Owo AI reads your real budget + spending and gives advice in plain Naija English — calibrated to your city. Live now in the dashboard, powered by Gemini 2.5. You can also connect Owo Planner to your own Claude or ChatGPT via MCP.
Does Owo Planner work for the diaspora?
Yes. Diaspora mode supports USD, GBP, CAD, EUR with live Naira conversion. Built for UK-Naija, US-Naija, and Canada-Naija sending money home or planning a return.
Can I export my data?
Yes. Owo Planner publishes the Open Financial Standard — your full budget exports as portable JSON. Re-import anywhere or read with your own scripts.
The overview
A planning layer, not another bank.
Owo Planner is the planning layer for every Naija — at home, in diaspora, or in motion. We're not a bank, a savings app, or a wealth manager. We're the brain that sits on top of every Naira you earn and helps you decide where it should go: into your monthly budget, into a Detty December pot, into a Cowrywise mutual fund, into your Japa fund. You stay in control. Your data is yours. Your money never touches us.
Why — open by design
Most Nigerian money apps want to lock you in: custody your funds, charge you on the way out, hide your data behind their walls. Owo Planner is the opposite. Your budget is portable via the Open Financial Standard, your AI assistant works inside Owo or inside Claude / ChatGPT via MCP, and your savings flow to whichever Nigerian fintech — Cowrywise, Risevest, PiggyVest, T-bills — gives you the best deal that month.
Owo AI
Live
"Why am I broke after payday?" Ask anything — Owo AI reads your real numbers and answers in plain Naija English. Also plugs into Claude / ChatGPT via MCP so your existing AI knows your budget.
Save
Live
Goal pots for Detty December, Japa fund, rent escape, Black Tax, Tokunbo, Owambe.
Learn
Q3
Owo Academy — 12 lessons + AI quizzes on T-bills, mutual funds, ₦ vs $ hedge.
Diaspora-mode
Live
Switch base to USD / GBP / CAD / EUR. Naira conversion in the tooltip. Built for UK / US / Canada Naija.
Open Financial Standard
An open spec for portable Naira financial data, published by Owo Planner. Your full budget exports as portable JSON — re-import anywhere, read with your own scripts, back it up locally. No lock-in. Ever.
Used by Nigerians in Lagos, Abuja, Port Harcourt, Kano, Ibadan and beyond, plus the UK-Naija, US-Naija, and Canada-Naija diaspora. Start free at owoplanner.com.