Free · Built in Lagos · The planning layer

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.

Open Owo Planner See how it works ↓
  1. School fees · Term 3 ₦120,000
  2. Ajo contribution ₦50,000
  3. Detty December pot ₦40,000
Set aside · sample ₦210,000

The Money OS

Six 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.

  1. Plan

    A monthly Naira budget in 5 minutes, calibrated to your city.

    Live

  2. Save

    Goal pots that speak your language — Detty December to Japa fund.

    Live

  3. Learn

    Owo Academy — 12 plain-English lessons, T-bills to the ₦/$ hedge.

    Soon · Q3

  4. Grow

    No custody — we point your surplus to the best home for it.

    Soon · Q3

  5. Owo AI plain Naija English

    "Why am I broke after payday?" Ask your real numbers anything.

    Live

  6. Open Standard

    Your budget exports as portable JSON. No lock-in. Ever.

    Live

How it works

Budget ready in three steps.

Enter your income

Salary, side-hustle, ajo turn — tell us about your profile. Lagos, Abuja, Port Harcourt, Kano, or anywhere.

Allocate categories

We suggest realistic amounts for rent, food, transport + 12 more — calibrated to your city. Adjust to match your reality.

Get your health score

Your financial health score, spending breakdown, 12-month projection, and AI-powered recommendations — instantly.

Open Owo Planner
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.

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.
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
Soon · 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.

FAQ

Common questions.

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.
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.
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.
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.
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.
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.
Yes. Owo Planner publishes the Open Financial Standard — your full budget exports as portable JSON. Re-import anywhere or read with your own scripts.

Start free

Your first plan takes five minutes.

Free forever. No spreadsheets. No lock-in.

Open Owo Planner