Know exactly
where every
naira goes.
Connect your Nigerian bank account, track spending automatically, and build the financial clarity you have been missing. Free to start.
Financial Health
Good — mostly on track
Smart Recurring
MTN Data Top-up
Monthly
DSTV
Monthly
Electricity
Bi-weekly
You spent 18% less on food this month.
Built around how Nigerians actually manage money
Every feature reflects a real part of how income, spending, and goals work in Nigeria.
Financial Health Score
A 0-100 score that reflects how your income, spending, savings rate, and goal progress are tracking together. Updated every time you add data.
Mono Bank Sync
Connect any Nigerian bank in seconds. Read-only access to balances and transactions via Mono.
AI Insights
Plain-English summaries of where your money went and what to watch this month.
Your food spend was ₦12k over budget. Dining out on weekends accounted for most of the difference.
Smart Recurring
Log DSTV, rent, MTN data, and other regular bills once. Transactions are created automatically.
Spending Heatmap
A calendar view of your highest-spend days so you can see at a glance when money moves most.
Built with security and compliance in mind
Your Financial Health
At A Glance
FinTrack calculates a Financial Health Score from 0 to 100 that reflects how your income, spending, savings rate, and goal progress are tracking together. One number that tells you where you actually stand.
- Read-only bank access via Mono — your credentials never touch FinTrack
- Automatic spending categorization across all linked accounts
- Financial Health Score updated in real time as your data changes
Financial Health Score
Everything you need
A complete toolkit for understanding your money, built for how Nigerians actually spend.
Transaction Tracking
Add transactions manually or scan a receipt. Every naira is categorized and logged.
Uber Nigeria
Transport
Chopnow Grocery
Food & Drinks
Salary Deposit
Income
AI Insights
Plain-English summaries of your spending trends and financial health each month.
Your savings rate dropped 6% vs last month. Most of the change came from dining out on weekends.
You are on track to hit your emergency fund goal by August.
AI Chat
Ask questions about your money in natural language and get instant answers.
“How much did I spend on food last month?”
You spent ₦67,500 on food in May — 8% below your monthly budget.
Smart Budgets
Set monthly spending limits per category and see live progress as you spend.
Recurring Bills
Log bills once. Transactions are created automatically on each due date.
DSTV
Monthly · 1st
MTN Data
Monthly · 24th
Electricity
Bi-weekly
Financial Goals
Set a savings target with a deadline. Track contributions and stay on pace.
Expense Splits
Split shared bills with friends or housemates and track who has paid.
PDF and CSV Export
Export your transaction history and monthly reports as PDF or CSV.
May 2025.pdf
Q2 2025.csv
Bank-level security, built in from day one
AES-256-GCM encryption · Read-only bank access · NDPA 2023 compliant · 2FA supported
Ready to see your money clearly?
Free to start. No credit card needed. Your data stays yours.
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