OwnFi helps you see where your money goes, built for how Nigerians actually earn and spend. Whether you're on a salary, freelancing or doing both, OwnFi gives you one clear picture of your income, your spending and your estimated tax.

No bank connection required. You enter your own numbers, and they stay yours.

WHAT YOU CAN DO

Plan and track your income
• Set what you expect to earn, then log what you actually receive
• Track by week or by month, whichever matches how you think about money
• Log foreign income in USD or GBP with your own exchange rate and see the Naira value

Track spending the Nigerian way
• Categories made for real life: Black Tax, Ajo/Esusu, Generator Fuel, PHCN, Owambe, Danfo, Keke Napep, Buka/Mama Put, Aso-Ebi, Sending Money Home, Japa Savings and more
• Add your own custom categories
• Recurring entries log automatically, and you can skip, pause or adjust them

See your estimated PAYE tax
• Estimates based on the 2026 PAYE bands, using the income and exemptions you enter (such as pension, NHF and NHIS)
• Compare the estimate with your actual salary deductions
• A countdown to the self-assessment deadline, and a tax-aside estimate for freelancers

Set goals and compare periods
• Create savings goals and watch your progress
• Compare this period with the last to spot changes in your spending

PRIVACY AND SECURITY
• Biometric app lock
• Your data is encrypted on your device
• No bank login or account access required
• Export your data to CSV (Premium)

FREE AND PREMIUM
OwnFi is free to start, with core income and expense tracking, basic tax information and one goal. OwnFi Premium unlocks full transaction history, unlimited categories and goals, the full personalised tax estimate, foreign currency income, recurring entries and CSV export.

IMPORTANT
OwnFi is an informational tool. Tax figures are estimates based on the information you enter and publicly available tax bands. OwnFi does not provide financial, investment or tax advice, does not file taxes on your behalf, and does not hold or manage your money. For advice on your situation, consult a qualified professional.

Questions or feedback? Reach us at the support email on this page.