Public Roadmap · Updated weekly
No countdown.
We already shipped.
Most Naija money apps run a launch-countdown to manufacture hype. Owo Planner is live — and so is this roadmap. Everything below is real. Click anything in the "Shipped" column and you can use it right now.
18
Shipped
1
Now building
8
Next quarter
₦0
Cost to user
Shipped
18
Owo AI Advisor (live)
Plain-English AI that reads your real numbers. Multi-provider (Gemini + Claude fallback).
MCP Server (world-first Naija)
Connect Owo Planner to Claude / ChatGPT. 6 tools live at /api/mcp.
Budget Builder + City Calibration
12+ Nigerian cities, 15 categories, sensible defaults per location.
Financial Health Score (0–100)
Live scoring on rent ratio, savings rate, surplus balance.
Expense Logger + Plan vs Actual
Quick-log every Naira. Real-time variance per category.
Auth (Email + Google OAuth)
Supabase auth, row-level security, multi-device sync.
Self-hosted Error Sink
/api/log writes to client_errors. No Sentry bill. ₦0/mo.
Monthly Archive + Rollover
Auto-snapshots each month. Browse historical budgets.
Honest AI Blog
We tell you how Owo AI works — including what it doesn't know.
Light + Dark theme
System preference + manual toggle. Persisted.
SEO + JSON-LD on every page
8 schema types, sitemap, structured data. Indexed.
Public roadmap (this page)
Most fintechs hide their roadmap. We don't.
🇳🇬 Nigerian Goal Templates
Detty December, Japa Fund, Rent Escape, Black Tax Buffer, Tokunbo Dream, Owambe Season — one-tap presets.
🌍 Diaspora Bicurrency Mode
Dashboard display in USD / GBP / CAD / EUR with live Naira rates. Edits stay in ₦.
🔓 Open Financial Standard v1
Portable JSON spec for Naira budgets. Export anywhere, re-import anywhere.
📲 Installable App (PWA)
Install from your browser — the dashboard opens even offline; changes sync when you reconnect.
🧮 One Score Engine
A single shared health-score module across dashboard, archives, and Owo AI — same number everywhere, by construction.
🧠 Owo Academy — Phase 1
First lessons live with quizzes. NSE basics, T-bills, ₦ vs $ hedge.
Now building
2
📦 Play Store release (TWA)
The installed web app, wrapped for Google Play — one listing, same fast core.
Next (Q3 2026)
8
📱 PWA + Offline Mode
Add-to-Home-Screen, service worker, works when NIBSS is down.
🏦 Optional Bank Connect (Mono)
Opt-in only. Read-only. Auto-categorise transactions. You stay in control.
💸 Cowrywise + Risevest Deep Links
One-tap "send surplus to investment" — without us holding your money.
💬 WhatsApp Expense Bot
"I spent ₦3,500 on Bolt" → logged. Twilio integration.
📩 SMS Bank Alert Parser
Paste your debit alert SMS, we auto-log it. No bank API needed.
🎓 Owo Academy — Full Curriculum
All 12 lessons + badges + LinkedIn-shareable cert.
👥 Family Pots (shared budgets)
Couples / siblings / housemates plan rent or trips together.
🔔 Smart Nudges
"You've spent 80% of food budget on day 14" — gentle, not nagging.
Future / Ideas
∞
🇬🇧 UK-Naija remittance planner
"How much can I send home this month?" — with FX timing tips.
🤝 Public budget templates (anon)
"See how a Lagos UX designer earning ₦800k budgets" — opt-in share.
📈 T-Bill calculator + auto-rollover
Compare CBN T-bill yields vs money market funds vs Risevest USD.
🎙️ Voice-log expenses
"Owo, log five thousand for transport" via Web Speech API.
🏠 Rent affordability simulator
Drop in a Yaba/Lekki/Ikoyi rent — see if your budget survives.
🪪 Owo Identity (BVN-free)
Verify you're real without giving up BVN. Cryptographic proof.
🤖 Owo AI v2 — multi-modal
Upload a receipt photo. AI extracts + categorises.
📚 Owo for Schools (free)
Financial literacy curriculum for Nigerian secondary schools.
What should we build next?
This roadmap is shaped by users. If you want something on it — vote, suggest, complain. We read every message and the loudest signal wins.
Send your idea →Built in Lagos · Open source coming · Read the Open Financial Standard