We draw the line.
You own the decisions.
Know your money. It accounts for every expense you made, the invisible micro-leaks you weren't aware of, and that ₦50,000 you borrowed from your aunty 2 years ago. Unoego seals what's spoken for so you immediately see your Truly Available cash.
No debit card required. No bank logins. On-device encrypted PIN hash.
The Three-Layer Cash Breakdown
₦450,000 confirmed minus ₦198,000 reserved. You can spend this without feeling guilty or defaulting on rent.
The Money Board: Your Financial Casino Table
Every entry feeds a visual felt board. Spend pots grow in red as you bleed cash. Goal pots grow in green as you build wealth. Obligation chips remain sealed.
Food & Chow
Shawarma & Drink
2:15 PMGroceries (Ebeano)
YesterdayBukah Lunch (Amala)
Oct 14Safe to spend with zero guilt... or is it?
Other budget apps smile and say “You spent ₦90k on hotels, great job!”. Unoego confronts you with your own timeline: what happens to your kids' school fees when you turn 30?
You're 25, earning ₦250,000/mo, and spending ₦90,000on hotels & leisure.
Your ledger shows ₦0 reserved for your next rent cycle. If your landlord asks for ₦720k in 12 months, you will face emergency distress loans. Here is the mathematical truth your money is hiding from you:
Redirect ₦60k of that hotel spend into a monthly sealed reserve. In 12 months, your ₦720,000 rent is 100% covered in cash. Zero landlord panic.
Send the remaining ₦30k to Piggyvest Safelock / Cowrywise. In 5 years, compounding turns it into ₦3,521,958.
You selected you want kids at 30. This single decision completely funds their primary nursery & school fees for 3 full years!
Powered by deterministic compound interest math and local Nigerian inflation vectors. No BVN or bank logins required.
Your Finances in a Spreadsheet Made Just For You
No one is transferring money into Unoego, so why trap your data in rigid black-box graphs? Inspect your cash flow in a live, editable spreadsheet with Lagos reality presets and 1-click CSV export.
Custom Financial Spreadsheet
Live ReactiveBank-free, zero BVN needed. Directly inspect, edit, and project your cash allocations in real time.
| Date | Description / Narrative | Category | Class | Inflow (₦) | Outflow (₦) | Status | Action |
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Log Three Expenses in Two Seconds.
No dropdowns. No forms. Just type what you spent in plain Nigerian slang: okada 500, bolt 7000, okpa 500. Unoego splits it, maps your past categories, and pre-selects the pots.
okada
bolt
okpa
Why Generic Budgeting Apps Fail in Nigeria
Mint, Copilot, and YNAB were designed for credit cards, direct-debit mortgages, and predictable bi-weekly wages. Unoego was engineered for cash flow realities on the ground in Lagos and Abuja.
Ajo & Esusu Rotating Savings
The Problem: Western finance apps treat your ₦50,000 Ajo contribution as an expense, punishing your budget charts.
Unoego Solution: Unoego accounts for the cash outflow while labeling it as Saved Wealth in your Green Pot. When your payout arrives, it's treated as a confirmed liquidity windfall.
Family Support (Black Tax)
The Problem: Sending money home is often treated as a surprise overspend rather than a planned cultural responsibility.
Unoego Solution: Commit your family support reserve upfront. When you send Mom ₦40k, the reservation draws down without double-deducting from your spendable cash balance.
Annual Rent Sinking Fund
The Problem: Lagos and Abuja landlords demand 1 to 2 years of rent upfront. Generic apps expect you to pay monthly.
Unoego Solution: Unoego calculates your monthly sinking fund installment (e.g. ₦120,000/mo for a ₦1.44M flat). Your rent is protected every 30 days so renewal season is zero stress.
Payday Slippage & Alert Windows
The Problem: Rigid budgeting tools sound alarms on the 26th if your salary is delayed by 24 hours.
Unoego Solution: Unoego monitors an asymmetric payday window: 5 days before payday to lock your savings intent, and a 4-day grace lag before late-income notifications trigger.
Two Operating Modes. Zero Friction.
Your career evolves: from NYSC stipend to corporate salary, or from tech employment to full-time trader or founder. Unoego automatically switches its math to match your life.
For Salary Earners & Retainers
Engineered around a monthly payday cadence and confirmed cash flow.
- Truly Available Cash: Seals pre-committed rent, Mom's support, and Ajo upfront.
- Asymmetric Payday Window: Pre-payday push 5 days before, with 4-day grace period.
- Late Income Tracking: Escalates if salary is overdue past 7 days.
For Traders, Freelancers & Founders
Engineered around deployable lump sums, runway duration, and burn velocity.
- Runway Countdown: Converts total capital into actual survival days at your current burn rate.
- Silenced Payday Alerts: No false "overdue salary" alerts when you have irregular trading profits.
- Burn Alarms: Critical alerts when capital dips below 30 days and 14 days of burn.
Your Money. Your Data. Zero Exposure.
We don't connect to your bank accounts because we don't need to. Unoego gives you total privacy with zero risk of account compromise.
Bank-Free by Design
We never ask for your bank password, debit card details, or BVN. You never have to worry about third-party bank screen-scraping hacks.
Zero-Knowledge PIN Hash
Your 4-digit security PIN is salted and hashed directly on your physical device using IndexedDB. The plaintext PIN never touches our servers.
100% Offline Resilience
Stuck in Lagos traffic or without network signal? Unoego queues all entries in local storage and synchronizes seamlessly once you're back online.
Sanitized AI Observations
Our AI observer engine strips personal names, locations, and sensitive identifiers before evaluating financial insights.
Start Free. Upgrade Only When You Scale.
Every user gets a 30-day free trial of Pro, followed by our forever-free Essential Ledger covenant. No hidden debits, no bank lockouts.
Essential Ledger
The African Trust Covenant: core cash clarity without a price tag.
Never locked out of your cash numbers
- Three-Layer Cash Reality Engine
- Up to 35 Ledger entries per month
- 1 Sovereign Personal Bridge
- Up to 3 Sealed Reserves (Rent, Black Tax, Ajo)
- The White Felt Money Board & Streak Counter
- Interactive Custom Financial Spreadsheet
Sovereign Runway
For professionals, business owners, and disciplined builders.
Billed annually at ₦24,000 (save ₦6,000)
- Everything in Free, plus:
- Unlimited monthly transactions & quick logs
- Dual Bridges (Personal + Business/Trader Runway)
- Unlimited Sinking Funds (Glow, Aso-Ebi, School Fees, PMS)
- OpenRouter AI Reality Coach (Deep timeline stress-tests)
- 1-Click Excel / CSV Financial Spreadsheet Export
- Flutterwave Instant Billing (Cards, Bank Transfer, USSD)