The money app that finally gets Nigerians.

OwnFi combines expense tracking, expense categories built for Nigerian life, and a 2026 Nigeria Tax Act engine that tells you your real number — for salary earners, freelancers, and diaspora earners with income in ₦, $ or £.

Join the waitlist See how it works ↓
Early access opening soon — be first in when OwnFi opens.
✦ AI INSIGHT
You spent 27% more on transport this month. Batching errands could save ~₦6k.
✓
TAX CHECK
No overcharge — you're clear
⚡ QUICK LOG
₦15,000 · Transport
Good morning,Amara
A
TOTAL BALANCE · JUNE
₦0
▲ 12% vs last month
₦532kspent
Black Tax35%
Transport22%
Food18%
Ajo25%
＋Log expense
◔Insights
◎Set goal
OwnFi fox mascot
BUILT FOR
Salary earners Freelancers Mixed income Diaspora & foreign-income earners
Launching soon across Nigeria
— Why OwnFi —

Finally, an app built for how Nigerians actually earn, spend, and get taxed.

Know exactly where your money goes.

Categories built around how Nigerians actually spend — not categories designed in San Francisco.

Black TaxAjo / Esusu OwambeJapa Savings Generator FuelDanfo Buka / Mama PutAso-Ebi
June spending₦532,000 total
Black Tax₦186,000
Ajo contribution₦133,000
Transport₦117,000
Food₦96,000

Plan without spreadsheets.

Plan the month in naira, dollars, or pounds. OwnFi tracks it as you log — no formulas, no tabs.

July plan₦243,000 of ₦295,000
Food₦120,000 / ₦150,000
Transport₦48,000 / ₦60,000
Owambe₦25,000 / ₦40,000
Ajo contribution✓ ₦50,000 done

Insights with context.

AI tips that understand Nigerian money — in plain language, when they're useful, never in your way.

✦ WEEKLY INSIGHT

Owambe spending doubled this month — worth setting aside ₦15k monthly so December doesn't hurt.

✦ TREND

Generator fuel is trending down 12% since March. Whatever you changed — keep it.

— WhatsApp logging  COMING SOON

Log expenses as naturally as chatting.

Text "Spent ₦15,000 on fuel" and it's logged — categorised before you've put your phone down. No forms, no app-switching, no friction.

O
OwnFi
online
Spent ₦15,000 on fuel 10:42 ✓✓
Logged ✓ Category: Transport
June transport so far: ₦117,000
received salary today 10:44 ✓✓
Income logged ✓ Want me to run your 2026 tax check on it?
— Tax Intelligence

Know your number before anyone else runs it.

The Nigeria Tax Act changed everything on January 1st — and most of what you've heard about it is wrong. OwnFi runs your real income against the actual 2026 bands. Salary earner? Check your payslip. Freelancer? Know exactly what to set aside.

✓Full 2026 Nigeria Tax Act bands with Rent Relief, NHF, NHIS & pension
✓Green / amber / red check against what's actually deducted
✓Freelancer tax-aside estimate, calculated per income entry
₦800kof income taxed at 0%
6tax bands, applied correctly
3reliefs — Rent, NHF, NHIS
TAX · 2026
Gross income (annual)₦4,800,000
Rent Relief + pension−₦834,000
Chargeable income₦3,966,000
Monthly tax₦41,240
✓ No overcharge — you're clear
Freelancer tax-aside₦18,500 / entry
Your first ₦800,0000% tax
— OwnFi AI

Ask your money anything.

Ask anything about your money in plain language. OwnFi breaks down where it went and shows you exactly how to do better next month.

◍
OwnFi AIYour financial companion
Where did my money go this month?
Here's your June breakdown:
Transport35%
Black Tax22%
Food18%
Bills15%
Savings10%
✦ SUGGESTION
You can save ₦20,000 next month by reducing transport spending. Want me to set a limit?
— The App —

Every screen, built for your money life.

DASHBOARD
₦1,256,000
▲ 12% vs last month
BUDGETS
Food80%
Owambe62%
Ajo✓ done
TAX · 2026
Monthly tax₦41,240
Deducted₦41,240
✓ Matches — not overcharged
QUICK LOG
Danfo₦1,200
Buka lunch₦3,500
Fuel₦15,000
ANALYTICS

June was your highest month — Owambe season.

OWNFI AI
Can I afford a new phone?
If you hold Owambe at ₦40k, yes — by September. Want a savings goal?
— Everything in OwnFi —

Everything you need to own your money.

No bank login. Log in the app or on WhatsApp, and OwnFi does the sorting, the sums and the reminders.

Log money fast

  • Add an expense or income from a simple keypad
  • Text it on WhatsApp, like “Spent ₦15,000 on fuel”
  • Pick a category and add a note
  • Mark anything as recurring

Built for Nigeria

  • Categories like Black Tax, Ajo / Esusu, Owambe, Danfo and Generator Fuel
  • Track by week or by month
  • Smart category suggestions for Nigerian merchants
  • Everything in naira

Tax, explained

  • A tax estimate based on the 2026 Nigeria Tax Act
  • See your real number, not a guess
  • Set-aside estimate for freelancers
  • Reminders before the self-assessment deadline

Limits and goals

  • Set a monthly limit for each category
  • A warning before you run out, not after
  • Roll unspent money into next month
  • Save toward goals like a Japa fund

Insights and AI

  • A budget health score and spending trends
  • Income versus spending at a glance
  • Ask OwnFi AI in plain language, like “Am I on track for June?”
  • Tips that fit how you spend

Alerts that arrive in time

  • Limit alerts when a category gets close
  • Bill reminders two days before they renew
  • A weekly summary every Sunday
  • Quiet hours, so no pings overnight

Money from abroad

  • Log income in USD or GBP
  • Enter your own exchange rate
  • See the original amount and the naira value
  • Built for freelancers and diaspora earners

Private and secure

  • Lock the app with Face ID or a PIN
  • Hide balances with one tap
  • Two-step verification at sign-in
  • Export your data, or delete it
— How it works —

Three simple steps.

1

Log your money

Income and spending in seconds. Naira, dollars, or pounds.

₦15,000 · Transport
2

See where it really goes

Clear patterns across categories that fit your life, with AI insights that add context.

Food · 65%
3

Never get caught off-guard

Your tax calculated automatically, on the real 2026 law. No surprises.

✓ Monthly tax ₦41,240

Why people will love OwnFi.

“

Finally, an app that understands Nigerian spending.

Salary earner · Lagos · from the waitlist
“

Logging expenses through WhatsApp feels effortless.

Freelancer · Abuja · from the waitlist
“

I finally know where my salary disappears.

Diaspora earner · London · from the waitlist
— Questions —

Frequently asked questions.

When does OwnFi launch?

Soon, on Android and iOS. Join the waitlist and you will be the first to know when it opens.

Do I need to connect my bank account?

No. OwnFi never asks for your bank login. You add income and spending in the app or by text on WhatsApp.

How does WhatsApp logging work?

You add your number once, then message OwnFi the way you would text a friend, like “Spent ₦15,000 on fuel.” OwnFi reads the amount, picks the category and replies once it is logged. WhatsApp logging arrives with the app.

Does OwnFi calculate my tax?

It gives you an estimate based on the 2026 Nigeria Tax Act, so you can see your real number and what to set aside. It is a guide, not tax advice. Confirm your final figures with a tax professional.

I earn in dollars or pounds. Can I use OwnFi?

Yes. You can log income in USD or GBP with your own exchange rate. OwnFi shows the original amount and the naira value.

Is OwnFi free?

OwnFi will have a free plan and a paid Premium plan. We will announce pricing before launch, and waitlist members hear first.

Is my data safe?

Your sensitive data is encrypted on your phone, and you can lock the app with Face ID or a PIN. You can export your data or delete it from Settings. OwnFi does not hold or move your money.

Who is OwnFi for?

Salary earners, freelancers and people with mixed income in Nigeria, including those earning abroad.

Who is behind OwnFi?

OwnFi is built by OWNFI TECHNOLOGIES LIMITED, a company registered in Nigeria (RC 9893963).

OwnFi fox mascot

Be among the first to experience OwnFi.

Join the waitlist and be the first to know when OwnFi opens.

Launching soon on Android & iOS

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