For Nigerians
₦0 Unassigned
Zero-based budgeting that assigns every naira to a category before you spend
Give Every Kobo a Job.
The open-source budgeting app built for Nigeria. Know exactly where your money goes — transactions captured automatically from bank alert emails, with offline budgeting that works even without data.
Zero-based budgeting — assign every naira before you spend it.
Forward your bank alerts — transactions captured automatically.
Pidgin Nudges
Get alerts like ‘Oga, you don spend too much on snacks o!’ in Pidgin or English.
Coming Soon
Join the Waitlist
5
Auto-Assign Strategies
100%
Offline-First Storage
₦0
Unassigned Target
∞
Savings Goals
Why MoniMata
Most budgeting apps weren't built for Nigerians. MoniMata is — naira-native, Pidgin nudges, zero-based budgeting, and automatic transaction capture from your bank alert emails. Fully open-source and works offline too.
Privacy First
Zero credentials
MoniMata reads forwarded bank alert emails. No login credentials, no API access — your bank never knows it exists.
Goal Planning
Set targets for rent, school fees, or emergencies — track progress and celebrate milestones.
AI auto-categorises transactions from bank alerts and receipts. You review and confirm — always in control.
Built for real Nigerian life
Every feature was designed around how Nigerians actually spend, save, and pay bills.
Zero-Based Budgeting
Every naira gets a job. Assign income to categories like food, transport, and rent — nothing left unaccounted for.
Daily Tracking
Daily Limit Reached
Smart Nudges in Pidgin
Get alerts like 'Oga, your food budget don finish o! 3 days remain.' — timely, culturally relevant nudges in Pidgin or English.
Daily Tracking
Daily Limit Reached
Bank Alert Capture
Forward your bank alert emails once — every debit and credit is automatically parsed and added to your budget. No bank credentials needed.
Daily Tracking
Daily Limit Reached
AI-Powered Categorisation
Transactions are auto-categorised by merchant name and narration using rule-based matching and optional AI. Bring your own API key for premium models.
Daily Tracking
Daily Limit Reached
Savings Targets & Goals
Set goals like ‘New Phone’ or ‘Emergency Fund’ with visual progress tracking. Celebrate when you hit targets.
Daily Tracking
Daily Limit Reached
Offline-First Storage
Built on WatermelonDB — works without internet. Your data syncs automatically when you’re back online.
Daily Tracking
Daily Limit Reached
Recurring Transaction Rules
Automatically detect and track recurring debits — rent, subscriptions, loan repayments — and get notified before upcoming bills hit.
Daily Tracking
Daily Limit Reached
Statement & Receipt Import
Upload a bank statement PDF or snap a receipt photo. Transactions are extracted via OCR and imported into your budget with deduplication.
Daily Tracking
Daily Limit Reached
How MoniMata works
Get started in four simple steps
- 1
Create your account
Sign up in seconds with your email. Your data is secured with biometric app lock.
- 2
Add your income
Enter your salary, allowance, or any income source. MoniMata shows exactly how much you have to assign.
- 3
Give every naira a job
Use zero-based budgeting or auto-assign with 5 smart strategies to allocate every kobo to categories.
- 4
Track, capture & save
Forward bank alert emails to capture transactions automatically, upload statements or receipts, and hit your savings targets.
Built Different
Make Every Naira Count
MoniMata goes beyond tracking. Email-based transaction capture, AI categorisation, recurring transactions, 5 auto-assign strategies, biometric security, and Pidgin/English support make it the most Nigerian budgeting app ever built. And it's fully open-source.
Recurring Transactions 5 Auto-Assign Modes Biometric Lock Pidgin & English AI Categorisation Open Source
Frequently Asked Questions
We have answers to all your concerns
- Zero-based budgeting means every naira you earn is assigned a job — spending, saving, or investing — until your unassigned balance is ₦0. It gives you full visibility and control over your money.
- Yes. MoniMata is free to download and use. Premium features may be introduced later, but core budgeting will always be free.
- Absolutely. All your budgets, transactions, and savings goals are stored locally on your device. Internet is only needed for bank sync and bill payments.
- MoniMata uses Mono for bank sync, which supports most Nigerian commercial banks — GTBank, Access, UBA, Zenith, First Bank, Kuda, and more.
- MoniMata sends you friendly reminders in Nigerian Pidgin to keep you on track. For example: "Oga, you never budget today o!" You can turn them off in settings.
- Yes. MoniMata integrates with Interswitch to let you pay for airtime, data, electricity, cable TV, and more — directly from your budget categories.
Ready to make every
Naira count?
Be the first to know when MoniMata launches. Join the waitlist and start giving every naira a job.
Join Waitlist