Your Money
Finally Makes Sense
Stop guessing where your Naira went. See exactly where your money goes, save thousands on taxes, and grow every income stream.
10,247
Users
523
Ajo Groups
₦2.3M
Tax Saved
Free forever. No credit card required. Join 10,247 Nigerians.
Family Savings
8 Members · ₦50,000/month
Active
Avg Trust Score
8.9/10
Excellent
100% On-Time
Next Collection
Chiamaka O.
₦400,000
100% Transparent
Trust Scores
10,247
Nigerian Users
523
Ajo Groups Managed
₦2.3M
Saved in Taxes
15,892
Transactions Tracked
Loved by 10,247 Nigerians
Real stories from real users taking control of their finances
"Managing my Ajo group used to be a nightmare with WhatsApp. Now I have trust scores for every member and automatic payment tracking. Game changer!"
Chioma Adeleke
Founder, Bloom Cosmetics
Victoria Island, Lagos
"The 2026 tax calculator saved me ₦247,000 this year. I had no idea about the rent relief benefits until Nalo showed me."
Ibrahim Musa
Senior Developer, Andela
Wuse, Abuja
"Tracking my 5 income streams was chaos. The Hustle Optimizer told me exactly where to focus my energy. My income is up 40% this quarter!"
Blessing Okafor
Content Creator & Influencer
Port Harcourt
"The budgeting tools are simple but powerful. I finally understand where my money goes every month. Already saved ₦350,000 in 3 months."
Tunde Balogun
Marketing Lead, Sterling Bank
Bodija, Ibadan
"I was skeptical about the financial assistant, but the Oracle AI gives better advice than my accountant. And it's always available!"
Amara Nwosu
HR Consultant, Deloitte
Enugu
"From tracking company expenses to managing payroll tax, Nalo handles it all. My accountant is impressed with how organized everything is now."
Yusuf Adewale
CEO, PayStack Alumni
Lekki, Lagos
4.9/5
Average Rating
10,247
Happy Users
98%
Would Recommend
All Your Money Needs
From bank sync to tax planning, Ajo groups to debt tracking—we've got you covered
Bank Connect
Link your Nigerian bank accounts and sync transactions automatically via Mono. No more manual entry.
Ajo Groups
Digitize your traditional Ajo with trust scores, payment tracking, and complete transparency. No more WhatsApp chaos.
Tax Center
Navigate Nigeria's 2026 tax reform with confidence. Calculate, optimize, and save thousands on your taxes.
Zero-Sum Budgeting
Every naira gets a purpose. Track spending, set limits, and stay on top of your financial goals with ease.
Hustle Optimizer
Track multiple income streams, calculate hourly rates, and discover which side hustles pay best.
Smart Goals
Set financial goals, track progress, and get AI-powered insights to help you achieve them faster.
Oracle AI Assistant
Your personal financial guide. Get instant answers, insights, and recommendations tailored to you.
Loans & Debt
Track all your loans in one place. Visualize payoff progress, payment schedules, and become debt-free faster.
Financial Health Score
Get a 0-100 score based on 8 components. Know exactly where you stand financially at a glance.
Financial Reports
Weekly and monthly reports delivered automatically. Export to PDF or CSV for tax filing and records.
Exchange Rates
Live NGN exchange rates and currency converter. Track domiciliary accounts in USD, EUR, and GBP.
Bank-Level Security
2FA authentication, IP whitelisting, session management, and Google/Apple sign-in. Your data is sacred.
Your Ajo Group Deserves Better
Bring the traditional Ajo into the digital age with trust scores, transparent tracking, dispute resolution, and zero drama.
Trust Scores (0-100)
Every member gets a reliability score based on payment history
Public Group Discovery
Find and join public Ajo groups in your area or interest category
Dispute Resolution
Built-in system with evidence uploads and coordinator mediation
Multi-Channel Notifications
Get alerts via Email, Telegram, WhatsApp, and in-app
Traditional Ajo
The old way
- WhatsApp group confusion
- Manual tracking in notebooks
- Trust based on rumors
- Disputes with no records
- No way to find new groups
Nalo Ajo Groups
The smart way
- Organized dashboard for everyone
- Automatic payment tracking & reminders
- Quantifiable trust scores (0-100)
- Dispute resolution with evidence
- Discover & join public groups
- Shareable invite links
- Telegram & WhatsApp alerts
98%
On-Time Rate
500+
Active Groups
₦0
Lost to Defaults
Power Features
Everything you need to run professional Ajo groups
Shareable Links
Generate secure 8-character invite codes with expiration dates
Public Discovery
Search groups by amount, frequency, and available slots
Telegram Bot
Instant notifications for payments, collections, and disputes
Analytics Dashboard
Track compliance rates, group health, and member performance
11 Notification Types Across 4 Channels
Payment reminders, collection alerts, dispute updates, weekly summaries, and more
2026 Tax Calculator
PIT · CIT · Crypto · WHT
First ₦800,000 = ₦0 Tax
Potential Savings
Save up to ₦150,000/year
With rent relief & deductions
0%
First ₦800k
₦500k
Max Rent Relief
4
Calculators
Calculate Your Taxes in Seconds
Navigate the 2026 tax reform with confidence. Know exactly what you owe and how to pay less, legally.
4 Tax Calculators
PIT, CIT, Cryptocurrency, and Withholding Tax - all in one place
2026 Reform Ready
Updated with latest rates, reliefs, and exemptions
Tax Optimization
AI-powered recommendations to legally reduce your tax burden
Export Reports
Generate professional tax reports for filing
Connect Your Bank, Track Automatically
Link your Nigerian bank accounts and watch transactions sync automatically. No more manual entry. No more forgotten expenses.
One-Click Bank Linking
Securely connect any Nigerian bank in under 60 seconds via Mono
Real-Time Transaction Sync
Transactions appear automatically as they happen. Always up to date.
All Major Banks Supported
GTBank, Access, Zenith, UBA, First Bank, and 20+ more Nigerian banks
Multiple Accounts
Link as many bank accounts as you have. Track everything in one place.
Connect in 3 Steps
Select Your Bank
Choose from 20+ Nigerian banks
Login Securely
Use your bank credentials via Mono
Start Tracking
Transactions sync automatically
10K+
Banks Linked
₦1B+
Synced
60s
To Connect
Your Financial Data Is Sacred
We protect your data like a vault. Multiple layers of security ensure your financial information stays private and secure.
Two-Factor Authentication (2FA)
Use authenticator apps like Google Authenticator or Authy. Plus 10 backup codes for emergencies.
Google & Apple Sign-In
Secure OAuth login with your existing Google or Apple account. No new passwords to remember.
Session Management
See all devices logged into your account. Revoke access instantly from any device you don't recognize.
IP Whitelist
Restrict access to trusted IP addresses only. Perfect for business accounts and extra paranoid users.
How It Works
Get started in minutes, achieve financial clarity for life
Sign Up Free
Create your account in 60 seconds. No credit card required, start managing your finances immediately.
Connect Your Finances
Add accounts, set up budgets, create Ajo groups, or calculate taxes. Customize for your needs.
Track & Optimize
Get AI-powered insights on your spending, saving, and earning. See what's working and what's not.
Achieve Your Goals
Hit your financial targets faster with personalized recommendations and automated tracking.
Join 10,000+ Nigerians taking control of their finances
Get StartedSimple, Transparent Pricing
Start free, upgrade when you're ready. No hidden fees, cancel anytime.
All plans include bank-level security and data encryption
Need custom features for your business? Contact us
Your Finances,
In Your Pocket
Nalo Finance mobile apps are coming to iOS and Android. Manage your money on the go with native apps built for speed and simplicity.
Native iOS & Android Apps
Built with Swift and Kotlin for maximum performance
Offline Mode
Track expenses and view reports without internet
Push Notifications
Get alerts for Ajo payments, budget limits, and tax deadlines
Biometric Security
Face ID and fingerprint login for instant access
Be the First to Know
Join the waitlist and get early access when we launch. Plus, get 3 months of Premium free!
Download on
App Store
Get it on
Google Play
Mobile Apps in Development
Full feature parity with web app
Expected launch: Q2 2025
250+
Beta Testers
4.8★
Beta Rating
iOS & Android
Both Platforms
Q2 2025
Launch Date
Frequently Asked Questions
Everything you need to know about Nalo Finance
Nalo Finance is an all-in-one personal finance platform built specifically for Nigerians. Whether you're managing Ajo groups, calculating taxes under the 2026 reform, tracking multiple income streams, or budgeting your expenses - Nalo helps you take control of your financial life. Perfect for freelancers, small business owners, salary earners, and anyone looking to build wealth.