Tools for your financial life

Everything your
money needs.
In one place.

Six pillars, one clear view. Plan what comes in, see what goes out, and keep your long-term goals visible with Owo Planner.

Open your planner → Explore the system ↓
A naira coin connected by golden paths to home, groceries, savings, and travel — the destinations of your money.
Plan. Save. Understand.
Your monthly plan

See what’s available.
Know what’s accounted for.

Bring income, everyday spending and future commitments into a single view. Your daily spending guide starts with the money left after your planned commitments.

  • Record salary and additional income
  • Plan spending by category
  • Compare your plan with what you actually spend
  • Review your progress month by month

Illustrative monthly plan · NGN

₦400,000
Everyday essentials
₦200,000
Living well
₦80,000
Future plans
₦120,000
Goals that matter

Save for what actually matters in NaijaLive

Set a target for the things you are working towards. Choose a goal template or create your own, then record your progress.

  • 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
A wider view

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
Your financial health

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.
Understand your numbers

Owo AI reads your real numbers and answers in Naija EnglishLive

Ask questions about your income, spending and goals in plain language. Owo AI is one way to explore your plan, alongside the figures and breakdowns.

  • Understand the income and spending you have recorded
  • Knows Lagos rent ratios, Detty December cycles, Black Tax patterns
  • Explore your plan without a bank connection
  • 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.
Optional integrations

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.

  • 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.

Your money. A clearer plan.

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

Open Owo Planner →