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No hidden fees. No credit card required. Cancel anytime. Choose the plan that fits your financial goals.
Free
Get started with basic financial tracking
Basic
Perfect for individuals looking to optimize their finances
Premium
For serious savers and financial planners
Need Custom Features?
Team and Enterprise plans coming soon with multiple seats, role-based permissions, and dedicated support.
Contact us for Enterprise pricing →Why Upgrade?
Unlock the full power of Nalo Finance
Unlimited Ajo Groups
Create and manage unlimited contribution groups with any number of members
Unlimited Oracle AI
Ask unlimited questions to your personal AI financial advisor
AI Tax Optimization
Get AI-powered suggestions to legally minimize your tax burden
Hustle Optimizer
AI analyzes your income streams and tells you where to focus
Escrow Protection
Premium Ajo groups get bank-backed escrow for added security
Advanced Goals
Set milestones, get AI recommendations, and achieve goals faster
Feature Comparison
See exactly what you get with each plan
Core Features
Ajo Groups
Tax & Income
Oracle AI
Support & Extras
Frequently Asked Questions
Everything you need to know about plans and billing
Absolutely! Start with the Free plan to explore Nalo Finance. When you're ready for advanced features like unlimited Ajo groups, AI tax optimization, or unlimited Oracle AI, upgrade to any paid plan with one click. Your data carries over seamlessly, and you'll get immediate access to all features. No setup required.
You can cancel anytime with no penalties or cancellation fees. Your paid features remain active until the end of your current billing period. After that, you'll automatically move to the Free plan. Your data is never deleted—you'll just have the Free plan limitations. You can reactivate anytime to regain full access.
Yes! Our Free plan is completely free forever with core features including up to 5 bank accounts, 2 Ajo groups, 3 income streams, 3 financial goals, and 10 Oracle AI questions per month. No credit card required. Upgrade to any paid plan anytime when you need more features.
All plans are billed monthly. Payment via bank transfer, card, or mobile money. We support Paystack for Nigerian users and Stripe for international payments (USD, GBP, EUR accepted).
We accept: (1) Nigerian bank cards (Verve, Mastercard, Visa) via Paystack, (2) Bank transfers to our dedicated account, (3) USSD payments, (4) Mobile wallets (Opay, Kuda, PalmPay). International payments via Stripe for diaspora users (USD, GBP, EUR accepted).
Yes! Students with valid Nigerian university ID get 50% off paid plans. Registered nonprofits and NGOs get 40% off. Contact hello@nalofinance.com with proof of student status or nonprofit registration.
Premium and Unlimited subscribers get: (1) Email support with <12 hour response time (vs 48 hours for Free), (2) Live chat support during business hours (9am-6pm WAT, Mon-Fri), (3) Direct access to product team for feature requests, (4) Priority bug fixes and issue resolution.
Yes. We use Paystack and Stripe (both certified PCI DSS Level 1 compliant) for all payment processing. We never store your full card details on our servers—payments are tokenized and encrypted. All transactions use 256-bit SSL encryption.
Still have questions?
We're here to help! Get in touch with our support team.