Every feature, one at a time

The whole product, laid bare.

Five pillars, one money brain. Each feature does one job well, and they compose into something only Owo Planner ships: a planning layer above every Nigerian fintech.

01 · Live AI

Owo AI reads your real numbers and answers in Naija EnglishLive

No generic chatbot. Owo AI sees your actual income, your actual spending, your actual savings goal — and answers like a financially literate friend, in plain English you'd use over jollof.

  • Multi-provider: Gemini 2.5 Flash primary, Claude 3.5 Haiku fallback — uptime-first
  • Knows Lagos rent ratios, Detty December cycles, Black Tax patterns
  • Free. Forever. ₦0/mo.
  • Bonus: also runs inside Claude / ChatGPT via MCP (your data stays yours)
Why am I always broke by week 3?
You spend ₦42k on food in week 1 alone — that's 25% of your monthly food budget. Try ₦15k cap weekly. Want me to set the alert?
Yes, and where's the rest going?
Transport (₦28k week 1) and Airtime (₦11k). You filled up MTN data twice — there's a ₦7k Glo plan that fits your usage.
02 · Goal Pots

Save for what actually matters in NaijaLive

No generic "Vacation Fund" cosplay. Six pre-built templates calibrated to Nigerian life — pick one, hit go, start saving.

  • Detty December — Q4 push, owambe + asoebi + beach trips
  • Japa Fund — visa fees + tickets + 6mo runway (USD)
  • Rent Escape — 1-year rent + 2mo buffer
  • Black Tax Buffer — the family-support line nobody admits to
  • Tokunbo Dream — used car + papers + insurance + first service
  • Owambe Season — Q4 weddings + naming ceremonies + aso-ebi
🌴 Detty December ✈️ Japa Fund 🏠 Rent Escape 👨‍👩‍👧 Black Tax Buffer 🚗 Tokunbo Dream 💍 Owambe Season
Active pot
🌴 Detty December 37%
₦185,000 of ₦500,000 · Dec 1 target
03 · Bicurrency

Diaspora mode — view in any of 5 currenciesLive

UK-Naija, US-Naija, Canada-Naija, EU-Naija — switch the display currency without changing your underlying budget. Live FX rates, sane offline fallback. Math stays in Naira; the view changes.

  • Five currencies: NGN, USD, GBP, CAD, EUR
  • Live exchange rates (cached 6h, never blocks)
  • Hover any amount for the Naira-original tooltip
  • Diaspora budgeting that doesn't pretend ₦ = $
NGN Naira
base · ₦1.00
USD US Dollar
₦1,540 / $1
GBP Pound
₦1,920 / £1
CAD Canadian
₦1,110 / C$1
EUR Euro
₦1,665 / €1
04 · Financial Health Score

A 0–100 score with reasoning, not guessworkLive

Four research-grade pillars, weighted and shown. Click any pillar to see the exact indicators, the math, and the single most impactful action.

  • Cash Flow (30%) — expenses-to-income, surplus, rent ratio
  • Resilience (30%) — emergency-fund months + executable savings
  • Stability (20%) — income variance over trailing 6 months
  • Discipline (20%) — actual vs budgeted spending
  • 3-tier label: Healthy ≥75 · Coping ≥45 · Vulnerable <45
Cash Flow
79
Healthy
Resilience
24
Vulnerable
Stability
60
Coping
Discipline
85
Healthy
Next best action
Log savings as you make them — each contribution grows your emergency fund and lifts Resilience automatically.
05 · MCP Server

Connect your budget to any AI you trustLive

Owo Planner ships an MCP server (Streamable HTTP, JSON-RPC 2.0). Plug it into Claude, ChatGPT, or any MCP-compatible client. Six tools exposed. World-first for a Nigerian fintech.

  • Six tools: get_budget, list_expenses, list_inflows, get_health_score, list_archives, compute_weekly_recap
  • Token-scoped per user; revoke any time
  • SHA-256 token hashing + SECURITY DEFINER RPC pattern (no cleartext stored)
  • 5-token cap per account; 10 errors/min rate-limit; no PII in logs
claude> @owo-planner get my health score → Composite 78/100 (Healthy) Cash Flow 82 · Resilience 71 · Stability 76 · Discipline 88 claude> what's my biggest weakness? → Resilience pillar. Emergency fund covers 3.2 months — push to 6 to hit Healthy.

Five tools. One money brain.

Free forever. Open by design. Built in Lagos for the way Nigerians actually earn, spend, and grow money.

Open Owo Planner →