Three steps to a Naija money plan.
Open the dashboard. Drop in your numbers. Get an honest financial health score with reasoning, not guesswork. Total time: about as long as it takes to wait for a Bolt.
Tell us what comes in, monthly
Take-home pay. Side-hustle. Freelance gigs. Ajo turn. Whatever lands in your account each month. Pick your city — Lagos, Abuja, PH, Kano, Ibadan, or anywhere — so we calibrate the budget to your cost of living.
We suggest. You adjust.
Owo proposes realistic amounts for rent, food, transport, savings, investment + 12 more — already tuned to your city. Drag to adjust. Add side categories like Black Tax, Owambe season, MTN data — none of it is generic.
A 0–100 score that explains itself
Four pillars, each with its own sub-score. Click any pillar to see the indicators behind it, the math behind your number, and the single most impactful action you can take. No black-box magic — every Naira is accounted for.
Five minutes to a money plan that's honest.
No spreadsheets. No "Coming Soon" countdown. No spam. Free forever.
Open Owo Planner →