Built in Lagos · 2026

One founder. One city. A planner for every Naija.

Owo Planner is the planning layer above every Nigerian fintech — built by one Lagos founder who got tired of money apps that don't understand black tax, ajo turn, or what it actually costs to live in Yaba.

The "why" in one paragraph.

I'm a Nigerian product builder. I grew up watching family budget on the back of envelopes. I've used every Naija money app — they want to hold my money, not help me think about it. They have great marketing and locked data. So I built the opposite: an open, honest planner that respects your intelligence, runs on your real numbers, and never touches your bank account.

Owo Planner is what I wanted to use myself. The fact that it now serves 12,400+ other Nigerians is a happy side effect.

Most apps want to be your bank. Owo Planner wants to be your money brain.
— founding principle, day one
J

Olugbami Jide

Founder · Builder · Lagos

Building Owo Planner in public from Yaba. Background in product + design. Background in being broke at 23 and learning the hard way that "track every Naira" beats every other financial advice you'll get.

[email protected] Read the writing →

What we believe.

Five principles that decide every product choice. Each one is a fork in the road that Owo Planner takes the harder way.

P.01
Your money never touches us.
We aren't a bank. We don't custody, transfer, or invest your funds. We're the planning layer above whichever bank or fintech you already trust.
P.02
Your data is portable.
Owo Planner publishes the Open Financial Standard. Export your full budget as JSON. Re-import anywhere. No lock-in.
P.03
Free forever.
No "premium tier" for the core money OS. We're not running an upsell game. If we ever charge for anything, it'll be a power-user add-on (team accounts, deeper AI) — never the basics.
P.04
Honest math.
Every score, every projection, every recommendation has visible reasoning. Click any number to see how it was calculated. Black-box advice is how Nigerians get scammed.
P.05
Built for Naija, first.
Black Tax is a budget category. Ajo turn is an inflow event. Detty December is a savings goal template. Owo Planner speaks Nigerian money fluently.
P.06
Ship in public.
Public roadmap, public commits, public blog. The mistakes are visible. The trade-offs are documented. The brand is the work, not a marketing layer over it.

If this resonates, build with us.

Use it free. Tell us where it's wrong. Roast the founder. Build on the Open Financial Standard. Nigerian money deserves better tools.

Open Owo Planner →