Track Every Hustle,
Maximize Your Earnings
The average Nigerian has 2.7 income streams. Stop guessing which ones are worth your time. Get AI-powered insights that tell you exactly where to focus.
2.7
Avg Streams/User
+31%
Income Growth
5min
Monthly Review
AI
Scoring Engine
Total Monthly Income
₦935,000
Performance Score
94/100
Track Any Income Source
From salary to side hustles, crypto to rental income—Nalo handles it all.
Salary
Full-time & part-time jobs
Freelance
Contract & gig work
Business
Side business income
Crypto
Trading & staking rewards
Rent
Property rental income
Investments
Dividends & returns
Transportation
Uber, Bolt, logistics
Creative
Content, design, music
You're Working Hard,
But Are You Working Smart?
Juggling multiple hustles without data is like driving blindfolded. You're busy, but are you profitable?
You Can't Track Multiple Income Sources
You have salary + freelance gigs + side business + crypto trading. By month-end, you don't know which made you the most money relative to time invested.
No Idea Where to Focus Your Energy
Should you take on more freelance clients or grow your side business? You're guessing based on feelings, not data. Wrong choices waste months.
Hidden Time-Wasters Drain Your Potential
That side hustle you love? It might be earning ₦20,000/month while taking 40 hours of work. You're literally working for ₦500/hour without realizing it.
Can't See the Big Picture
You know your total income, but not the breakdown. Which stream is growing? Which is dying? Which is seasonal? Zero visibility means zero optimization.
Every Stream Gets a
Performance Score
Our AI analyzes each income stream and gives it a score from 0-100. Higher score = better return on your time and effort.
Revenue Amount
How much money does it bring in?
Growth Trend
Is it growing, stable, or declining?
Consistency
Is income reliable or volatile?
Time ROI
How much do you earn per hour worked?
Score Breakdown
90-100
Top performer. Double down here!
70-89
Solid stream. Keep current effort.
50-69
Room for improvement. Analyze further.
0-49
Underperforming. Consider cutting.
PRO TIP: Scores update monthly. Watch for trends—a declining score means action needed!
The Hustle Optimizer
Track every income stream automatically. Get AI-powered recommendations on where to double down and what to cut.
Automatic Income Tracking
Link your bank accounts and payment platforms. Nalo automatically categorizes income by source.
- Auto-categorization from transaction descriptions
- Manual tagging for cash/crypto income
- Historical data import from past 12 months
- Real-time updates as money comes in
AI Performance Scoring
Each income stream gets a performance score based on revenue, growth rate, consistency, and effort required.
- Considers revenue amount + growth trends
- Factors in time investment (if you track it)
- Compares to similar income types
- Updates monthly as new data comes in
Smart Recommendations
AI tells you exactly what to do with each stream. FOCUS on high-performers, MAINTAIN stable ones, REVIEW underperformers.
- FOCUS: Your best stream—double down here
- MAINTAIN: Solid performer—keep current effort
- REVIEW: Underperforming—optimize or cut it
- Explanations for every recommendation
Visual Analytics
See exactly how each stream contributes to your total income. Spot trends before they become problems.
- % breakdown of total income by stream
- Month-over-month growth charts
- Seasonal pattern detection
- Income concentration risk warnings
How Your Score Is
Calculated
Our AI uses a transparent 100-point scoring system with three weighted factors.
Hourly Rate Score
Benchmarked against ₦5,000/hour target. Higher hourly earnings = more points.
(Your Rate ÷ ₦5,000) × 50Contribution Score
What percentage of your total income comes from this stream?
% of Total Income ÷ 2Consistency Score
How regularly do you earn from this stream? More transactions = higher score.
(Transactions ÷ 10) × 20Example Calculation
Freelance Design Stream
Monthly Income
₦280,000
Hours Worked
35 hours
% of Total
30%
Transactions
12
Total Score
85/100
Contribution Badges
Each income stream is classified based on its contribution to your total income.
40%+
of Total Income
Your main income source. The backbone of your earnings.
15-39%
of Total Income
Significant contributor. Important diversification.
1-14%
of Total Income
Supplemental income. Growing or testing phase.
DIVERSIFICATION TIP: Having multiple income streams reduces risk. Aim for at least 2 streams contributing 20%+ each to avoid over-reliance on any single source.
Built for Nigerian Hustlers
We understand the unique nature of Nigerian income streams.
Location Tracking
Tag income by city (Lagos, Abuja, PH) to understand regional performance.
Payment Methods
Track income by payment type: Bank Transfer, POS, Cash, USSD, Crypto.
Tax Estimation
Automatic tax estimate widget based on your total income streams.
Ajo Integration
Ajo collections automatically tracked as separate income streams.
Income Diversification
Impacts Your Health Score
Your income streams directly contribute to your overall Financial Health Score.
Income Diversification Score
+25 points per income stream (max 100 for 4+ streams)
Income Goal Progress
Alerts when you're below 80% of monthly income target
Concentration Risk Warning
Flags when 80%+ income comes from a single source
Health Score Contribution
Your Income Diversification
75
3 Active Streams
How It Works
Set it up once, get insights forever.
Connect Accounts
Link bank accounts, payment platforms (Paystack, Flutterwave), and manually tag cash income.
Auto-Categorize
Nalo reads transaction descriptions and automatically sorts income by stream.
AI Analysis
Every month, AI calculates performance scores (0-100) and growth trends for each stream.
Take Action
Get clear recommendations: "FOCUS on Stream A" or "REVIEW Stream B (declining)."
Real Users, Real Results
See how Nigerians are optimizing their income with data-driven decisions.
Chidi O.
Software Engineer + Freelancer
"I discovered my freelance work was earning ₦9,000/hour vs. my salary at ₦2,500/hour. Shifted focus and increased my income by 33%!"
+₦190,000/month
Income increase
Blessing A.
Content Creator
"The AI showed me my online store was a time sink. Closed it, went all-in on content. Best decision ever."
+73%
Income growth
Tunde M.
Accountant + Real Estate
"Finally understood my income volatility. Built proper savings during good months. No more budget chaos."
Predictable
Cash flow
Ngozi E.
Graphic Designer
"Dropped low-paying clients, focused on corporates. Same hours, nearly double the income. Data doesn't lie!"
+86%
Revenue increase
Manual Tracking vs Hustle Optimizer
Feature | Manual Tracking | Hustle Optimizer |
|---|---|---|
Income tracking | Manual entry, often forgotten | Automatic from bank accounts |
Performance scoring | None—pure guesswork | AI scores 0-100 |
Recommendations | None—gut decisions | FOCUS/MAINTAIN/REVIEW |
Time ROI tracking | Too tedious manually | Optional time logging |
Visual analytics | Basic if you build it | Professional charts & trends |
Time required | 2-4 hours/month | 5 minutes/month |
BOTTOM LINE: Hustle Optimizer users increase their income by an average of 31% within 6 months by cutting low-ROI streams and doubling down on high-performers.
Frequently Asked Questions
Everything you need to know about the Hustle Optimizer
When you connect your bank accounts and payment platforms (like Paystack, Flutterwave), Nalo reads transaction descriptions to identify income sources. For example, 'Freelance payment from XYZ Corp' gets tagged as 'Freelance' income. You can also manually tag cash income or crypto earnings. Over time, Nalo learns your patterns and auto-categorizes new transactions.
Each income stream gets a score from 0-100 based on: (1) Revenue amount, (2) Month-over-month growth rate, (3) Consistency (stable vs. volatile), and optionally (4) Time investment (if you track hours). A score of 90-100 = excellent performer, 75-89 = solid, 50-74 = average, below 50 = needs review. Higher scores mean better ROI and growth potential.
FOCUS = Your best-performing stream. High score, growing, good ROI. Double down here—spend more time, take on more work in this area. MAINTAIN = Solid performer. Keep current effort level. REVIEW = Underperforming. Low score, declining, or poor ROI. Optimize it, pivot strategy, or consider cutting it to free up time for better opportunities.
YES. For cash income (like market sales, tutoring), manually log transactions in Nalo and tag them to the appropriate stream. For crypto, you can either manually enter transactions or connect supported crypto platforms. Nalo converts everything to Naira equivalents for consistent tracking and comparisons.
This is optional but powerful. For each income stream, you can log hours worked per week/month. Nalo then calculates ₦/hour (income divided by time). This reveals hidden time-wasters—a stream earning ₦100k/month might look good until you realize it takes 80 hours (₦1,250/hour) vs. another earning ₦80k in 10 hours (₦8,000/hour).
ABSOLUTELY. The AI is trained to detect seasonal patterns and irregular income spikes. It won't penalize you for having variable income—instead, it calculates averages, flags volatility risk, and helps you budget for lean months. For example, if you earn ₦0 for 2 months then ₦1.2M in month 3 (real estate sale), Nalo averages it as ₦400k/month and warns you to save during big months.
The Hustle Optimizer is most powerful for people with 2+ streams, but it still works for single-income users. It tracks salary growth, bonuses, and side income opportunities. Plus, it helps you identify potential new streams—Oracle AI can recommend side hustles based on your skills and spending patterns. Start with 1, grow to 2+.
YES! Free users can track up to 3 income streams with basic analytics and manual categorization. Premium users (₦10,000/month) get UNLIMITED streams, AI performance scoring, FOCUS/MAINTAIN/REVIEW recommendations, time tracking, and advanced analytics. If you have 2-3 streams, Free is fine. If you have 4+ or want AI insights, upgrade to Premium.
Still have questions?
We're here to help! Get in touch with our support team.