Step 01 of 04 — Income & Profile

What's your
take-home?

Net income after tax — salary, freelance, or business. Consistent side income counts.

NGN · Monthly Net Income ? Annual equivalent appears here

Take-home after all deductions. Include consistent freelance or side income.

What describes you?

Salaried EmployeeFixed income, PAYE deducted

Freelancer / Self-employedVariable income, you manage tax

Business OwnerBusiness income → personal spend

Student / NYSCAllowance, stipend, part-time

🏠 Where do you live?

Island / Lekki

Mainland — Yaba, Ikeja, Gbagada

Outskirts — Ikorodu, Badagry, Ajah

With family — no rent

👥 Who are you budgeting for?

Just me

Me + partner

Family with kids

Extended family

🚗 How do you commute?

Own car

Bolt / Uber daily

Bus / Keke Napep

Work from home

🎯 Primary financial goal?

Build savings

Start investing

Clear debt

Month-to-month

Save for property

Step 02 of 04 — Budget Categories

Allocate your
₦0

Enter monthly amounts. Suggested figures are calibrated to your income, location, and commute.

Allocated

₦0

Unallocated

₦0

Step 03 of 04 — Analysis & Review

Your budget,
decoded.

Every naira accounted for — what's working, what's risky, and where to improve.

Spending Distribution

Monthly Allocation Table

Category Bars — % of Income

Financial Health Score ?

—

/100

50 / 30 / 20 Rule ?

NEEDS · WANTS · SAVE & INVEST

Personalised Recommendations

12-Month Savings Projection — 18.5% p.a. ?

Emergency Fund Target

Annual Summary

Step 04 of 04 — AI Advisor

Ask Owo AI.

Your full budget is loaded. Ask anything — rent, savings, investments, or how to survive Lagos inflation.

What is Owo?

Owo means money in Yoruba. We built this because generic Western budgeting apps don't account for NEPA bills, Lagos rent, owambe season, or the reality of variable Nigerian income.

About the Product

Owo Planner is a free financial planning tool built specifically for Lagos earners. Whether you're salaried, freelance, or running a business — this tool helps you see where every naira goes, score your financial health, and get AI-powered advice grounded in Lagos realities.

Founder

🧔🏾‍♂️

Olugbami Olajide

Builder / Founder

"Every Lagos earner deserves a financial plan that understands their reality — not a copy-paste of Western templates."

Version 1.0 — Last updated: April 2026

What we collect: Budget figures you enter, your Google profile (if you sign in), and a random session ID for anonymous users.

What we do NOT collect: Bank account details, BVN, passwords, or any sensitive financial credentials.

How data is stored: Encrypted at rest in Supabase (hosted on AWS). Anonymous sessions are deleted after 90 days of inactivity.

AI data: Your budget summary is sent to Anthropic's Claude API to generate advice. It is NOT stored by Anthropic beyond the API call.

No selling of data: We do not sell, share, or monetize your personal financial data.

Your rights (NDPR): Under the Nigeria Data Protection Regulation (NDPR), you have the right to access, correct, and delete your personal data at any time. To delete all your data, use the button below or email us.

Contact: hello@owoplanner.com

Governing law: Federal Republic of Nigeria — Nigeria Data Protection Regulation (NDPR) 2019

Version 1.0 — Last updated: April 2026

1. Not financial advice: Owo Planner provides general budgeting guidance only. Nothing on this platform constitutes professional financial, investment, or legal advice. Consult a licensed financial advisor before making significant financial decisions.

2. Free to use: Owo Planner is free for personal use. We reserve the right to introduce paid features in the future with advance notice.

3. Your data: You own your data. We store it securely and never sell it. See Privacy Policy above.

4. Account responsibility: You are responsible for keeping your account credentials secure. We are not liable for unauthorised access resulting from your failure to protect your password.

5. Accuracy: Budget suggestions are estimates based on Lagos market data. Actual costs will vary. We are not liable for financial decisions made based on figures shown in the app.

6. Termination: We reserve the right to suspend accounts that abuse the platform, including automated data scraping or misuse of the AI feature.

7. Governing law: These terms are governed by the laws of the Federal Republic of Nigeria.

Frequently Asked Questions

Is this free?

Yes, always free for personal use.

Is my data safe?

Yes. We use encrypted storage and never access your bank accounts. See Privacy Policy above.

Does this connect to my bank?

No. You enter figures manually. We never connect to any bank or payment system.

Who is this built for?

Lagos earners — salaried, freelance, or business owners managing personal finances in ₦.

Hey there 👋

Your personal budget workspace

—

Income

—

Savings

—

Health

—

Surplus

📈

No budget yet

Create your first Lagos budget — enter your income, allocate categories, and get your financial health score.

Daily Planner

Log every expense as it happens — pick the date, select a category from your budget, enter the amount, and hit Update Planner. The Plan vs Actual table updates instantly so you can see exactly how much of each category you've spent this month versus what you planned. Tap any day in the log to expand and edit or delete individual entries.

Made any expense today? Log it now

Date

Create your account

Know yourmoney.

What's your
take-home?

Allocate your
₦0

Your budget,
decoded.

Ask Owo AI.

What is Owo?

Create your account

Know yourmoney.

What's yourtake-home?

Allocate your₦0

Your budget,decoded.

Ask Owo AI.

What is Owo?

What's your
take-home?

Allocate your
₦0

Your budget,
decoded.