Our Story
Nalo Finance was born from a simple observation: most Nigerians are working hard but struggling to track where their money goes. Salary comes in, expenses happen, and by month-end, you're left wondering "Where did it all go?"
We watched friends juggle multiple bank accounts, manage Ajo groups via chaotic WhatsApp chats, stress about taxes with outdated information, and try to optimize side hustles without any data. The tools that existed were either too complicated, too expensive, or built for Americans—not Nigerians.
So we built Nalo Finance. A personal finance platform designed specifically for Nigerian financial realities. Naira-native. Tax-aware. Ajo-integrated. Hustle-optimized. Built for how Nigerians actually manage money.
Today, over 10,247 Nigerians use Nalo to track their finances, manage Ajo groups, optimize taxes, and grow their wealth. We're just getting started.
Our Mission
To empower every Nigerian with the tools, insights, and confidence to take control of their finances and build lasting wealth—regardless of income level or financial literacy.
Our Vision
A Nigeria where every person has access to world-class financial tools that help them earn more, save smarter, and achieve their financial goals faster.
What We Stand For
The values that guide everything we build.
Nigerian-First
Every feature, every calculation, every recommendation is built for Nigerian financial realities. Naira. Nigerian banks. Nigerian taxes. Nigerian culture.
Brutally Simple
Personal finance is already stressful. We strip away complexity and give you exactly what you need—nothing more, nothing less. No jargon. No fluff.
Trust & Privacy
Your financial data is sacred. Bank-level encryption, zero data selling, transparent policies. Your money, your data, your control.
Obsessed with Impact
We're not here to build another pretty app. We measure success by one metric: How much are we improving users' financial lives?
Accessible to All
Financial tools shouldn't be a luxury. Our Free tier is genuinely useful. Our Premium tier is affordable. Everyone deserves access.
Community-Driven
We listen obsessively to our users. Feature requests, bug reports, feedback—you shape what we build. This is YOUR platform.
Why Nigeria Needs Nalo
67%
of Nigerians are financially excluded from traditional banking services
NALO'S IMPACT: Nalo works with any bank and even supports cash tracking for the unbanked.
85%
of Nigerians don't have a monthly budget or financial plan
NALO'S IMPACT: Nalo makes budgeting effortless with automated tracking and AI recommendations.
2.7
is the average number of income streams per Nigerian (salary + side hustles)
NALO'S IMPACT: Nalo's Hustle Optimizer helps you track and maximize multiple income sources.
₦500k
average amount Nigerians leave on the table annually due to missed tax deductions
NALO'S IMPACT: Nalo's 2026 Tax Center ensures you claim every deduction you're entitled to.
Built by a Team That Gets It
We're Nigerians who've lived the financial struggles firsthand. We're building the tool we wish we had 5 years ago.
Chukwuemeka Obi
Founder & CEO
Former fintech lead at Flutterwave. Managed 3 Ajo groups before building Nalo.
Adaeze Nnamdi
Head of Product
Ex-Paystack product designer. Obsessed with making finance accessible.
Oluwaseun Adeleke
CTO
Built banking systems at GTBank. Knows Nigerian finance infrastructure inside out.
Fatima Ibrahim
Head of Growth
Grew PiggyVest's user base 10x. Expert in Nigerian consumer finance behavior.
Tunde Bakare
Lead Engineer
Ex-Andela senior engineer. Ships features faster than anyone we know.
Chidinma Eze
Head of Customer Success
Former Kuda support lead. Knows exactly what Nigerian users need.
Based in Lagos, Nigeria