YOUR MONEY, FINALLY IN ONE CLEAR PICTURE.

Know your money.
Plan what's next.
Build what matters.

FinanceOS brings your accounts, spending, budgets, subscriptions, savings goals, and upcoming financial plans into one simple view.

See how it works
Dashboard
Live
Total Balance
₦1,240,500
Income
₦450,000
Expenses
₦286,400
Savings
₦163,600
Income vs ExpensesThis month
Apr
May
Jun
Jul
Aug
Sep
IncomeExpenses
Food₦45K / ₦70K
Transport₦28K / ₦40K
Entertainment₦12K / ₦25K
Emergency Fund₦320K / ₦500K
64% saved · added ₦50K this month
Upcoming
RentSep 15₦150K
NetflixSep 18₦4.5K
SavingsSep 20₦50K

Budget left

₦163.6K

Savings rate

24%

Food & Transport

Food
Transport
One place for your moneyEvery account, wallet, and balance in a single view.
Built around your financial goalsBudgets, savings, and plans that keep you on track.
Private by designYour financial data stays encrypted and under your control.
Works across your financial lifeFrom daily spending to long-term wealth building.

Your money is everywhere. Your financial picture shouldn't be.

Your salary comes into one account. Your subscriptions leave another. Savings sit somewhere else. Bills arrive at different times, and small expenses add up before you notice. FinanceOS brings it all together so you can see the complete picture.

Bank account
Wallet
Subscriptions
Bills
Savings
Goals
FinanceOS

See your entire financial life at a glance.

Know how much you have, where it is, what came in, and what went out without piecing together information from different places.

Total Balance
₦1,240,500.00
+12.4%vs last month
Income
₦450,000
Expenses
₦286,400
Recent Transactions
↓
Salary deposit
Bank transfer · today
+₦450,000
↑
Grocery run
Card · 2h ago
−₦24,500
↑
Netflix
Card · 5h ago
−₦4,500
Food & DiningTransportEntertainmentUtilitiesHealth

Turn transactions into understanding.

Tracking your money is only useful when it helps you make better decisions. FinanceOS turns your financial activity into clear patterns and insights.

Income vs Expenses
Jul
Aug
Sep
₦286KSpent
Food 38% Transport 24% Bills 20% Other 18%
Savings Rate
36.3%
↑ 4.2% vs last month
Daily Spend
₦9,547
Below your ₦12K target

Don't just track what happened. Plan what's next.

FinanceOS helps you see upcoming bills, subscriptions, recurring income, savings contributions, and other financial events before they happen.

September 2026
Salary+₦450,000
Sep 1 · Monthly
Rent−₦150,000
Sep 15 · Monthly
Netflix−₦4,500
Sep 18 · Monthly
Internet−₦20,000
Sep 20 · Monthly
Emergency Fund−₦50,000
Sep 25 · Monthly
Side Project+₦85,000
Sep 28 · Monthly

Give your money somewhere to go.

Set goals, create budgets, track your progress, and turn your income into something bigger than a monthly balance.

Savings Goal
Emergency Fund
₦320K of ₦500K
64%
Monthly Budget
₦350,000
₦286K spent · ₦63.6K left
81.7% used
Budget Breakdown
Food
Transport
Fun
Bills

All your accounts. One financial picture.

Keep track of your bank accounts, wallets, and other sources of money without losing sight of the bigger picture.

Know what your money is already committed to.

Recurring expenses can quietly consume your income. FinanceOS helps you see your subscriptions and recurring payments in one place.

Active Subscriptions
N
Netflix
Monthly · Premium
₦4,500
S
Spotify
Monthly · Family
₦3,500
W
Internet
Monthly · Swift
₦20,000
G
Gym
Monthly · Fitness First
₦15,000
Monthly Total₦43,000

Your money has patterns. FinanceOS helps you see them.

Visualize your income trends, expense breakdowns, savings rate, and get actionable insights from your financial data.

Income
₦535K
↑ 8.3%
Expenses
₦329K
↑ 5.1%
Savings
38.3%
↑ 2.1%
Monthly Trend
May
Jun
Jul
Aug
Sep
IncomeExpenses
Top Category
Food & Dining
38% of expenses
Net Worth
₦1.24M
↑ ₦134K this month

Better data. Better questions. Better decisions.

FinanceOS can help you make sense of your financial activity, spot patterns, and surface useful insights without making your finances more complicated.

FinanceOS AI
How much did I spend on food last month?
You spent ₦108,400 on food and dining in August. That's ₦12,200 more than July, mainly from two restaurant outings on the 14th and 22nd.
Am I on track for my emergency fund goal?
Yes. At your current ₦50K/month pace, you'll hit ₦500K by December. You're 4% ahead of schedule.
Ask about your finances...↑

Your financial data deserves to be treated with care.

FinanceOS is designed with privacy and security in mind, giving you control over your financial information while keeping your data available when you need it.

Secure authentication
Encrypted connections
Cloud synchronization
Data export
PIN protection
No tracking

Start with clarity. Build from there.

01

Connect your financial life

Add your bank accounts, wallets, and income sources. Set up your starting balances in under a minute.

02

Understand your money

See where your money goes, track your budgets, and discover patterns in your spending and income.

03

Plan your next move

Set savings goals, create budgets, and stay ahead of bills and subscriptions with a clear financial calendar.

Everything you need. Nothing you don't.

Balance
₦1.24M
Income
₦450K
Expenses
₦286K
Savings
₦163K
Recent Activity
↓
Salary
Bank · today
+₦450,000
↑
Groceries
Card · 2h ago
−₦24,500
↑
Netflix
Card · 5h ago
−₦4,500
GTBank
Savings
₦850K
Access Bank
Current
₦240K
Dollar Account
Foreign
$1,250
Cash
Physical
₦35K
This Month
↓
Salary deposit
Sep 1 · Bank transfer
+₦450,000
↑
Rent payment
Sep 1 · Transfer
−₦150,000
↑
Grocery run
Sep 3 · Card
−₦24,500
↓
Freelance payment
Sep 8 · Bank transfer
+₦85,000
Food & Dining₦45K / ₦70K
₦25K remaining
Transport₦28K / ₦40K
₦12K remaining
Entertainment₦12K / ₦25K
₦13K remaining
Bills & Utilities₦68K / ₦80K
₦12K remaining
N
Netflix
Monthly
₦4,500
S
Spotify
Monthly
₦3,500
W
Internet
Monthly
₦20,000
G
Gym
Monthly
₦15,000
Monthly Total₦43,000
Emergency Fund
₦320K of ₦500K
64% complete
New Laptop
₦350K of ₦700K
50% complete
Vacation
₦180K of ₦400K
45% complete
Car Fund
₦2.1M of ₦5M
42% complete
September 2026
MonTueWedThuFriSatSun
12345 6789101112 13141516171819 20212223242526 27282930
Bills Savings Income
Income
₦535K
Expenses
₦329K
Savings
38.3%
12-Month Trend
OctSep

Your finances, wherever you are.

Dashboard
Total Balance
₦1,240,500
Income
₦450K
Expenses
₦286K
Budgets
Food₦45K/70K
Transport₦28K/40K
Fun₦12K/25K
Remaining₦63,600
Calendar
Upcoming
Rent
Sep 15
₦150K
Netflix
Sep 18
₦4.5K
Savings
Sep 20
₦50K
Salary
Sep 28
+₦85K

Stop wondering where your money went.

Start knowing where it is, where it's going, and what you're building toward.

Common questions

What is FinanceOS?

FinanceOS is a financial operating system that brings all your accounts, spending, budgets, subscriptions, savings goals, and upcoming financial events into one clear, organized view. It helps you understand your money and make better financial decisions.

Is FinanceOS a bank?

No, FinanceOS is not a bank. It's a financial management tool that helps you track and organize your money across all your existing bank accounts, wallets, and other financial sources.

Can I manage multiple accounts?

Yes. FinanceOS supports multiple bank accounts, mobile wallets, cash holdings, and even foreign currency accounts. You can see all your balances in one place and track transfers between them.

Can I track subscriptions?

Absolutely. FinanceOS lets you log all your recurring payments and subscriptions so you can see exactly how much of your income is already committed each month. This makes it easy to spot subscriptions you may want to cancel.

Can I set savings goals?

Yes. You can create multiple savings goals with target amounts and dates. FinanceOS tracks your contributions and shows your progress so you stay motivated and on track.

Can I use FinanceOS offline?

FinanceOS is a progressive web app that can be installed on your home screen. Once installed, core parts of the app load from your device, and your data syncs to the cloud so it's available whenever you need it.

Is my financial data secure?

Yes. FinanceOS uses encrypted cloud storage, PIN protection, and secure authentication. We never sell your data or show ads. Your financial information stays private and under your control. You can also export your data at any time.

Install FinanceOS

Add FinanceOS to your home screen for the best experience.

iPhone & iPad
1
Tap the share button at the bottom of Safari
2
Scroll down and tap Add to Home Screen
3
Tap Add to confirm
Android
1
Tap the menu button in Chrome
2
Tap Install app or Add to Home Screen
3
Tap Install to confirm
Desktop — Chrome or Edge
1
Click the install icon in the address bar
2
Click Install in the pop-up
Welcome to FinanceOS
Track your money, understand your spending, and build better financial habits.
Your money
Set up your currency and income sources.
What currency do you use?
How do you receive your income?
Salary
Business
Freelance
Multiple sources
Other
Your accounts
Add the bank accounts or financial accounts you use.
Enter what you currently have. Don't double-count — if you add a starting balance, don't also create an income transaction for that same money.
Personalise
What do you usually spend money on? Select all that apply, then optionally set a monthly budget.
Food
Transportation
Rent
Utilities
Subscriptions
Family
Giving
Education
Entertainment
Shopping
Business
Health
Other
You're ready.
Start tracking your money and let FinanceOS help you understand it.
Dashboard
Welcome
Current month income
₦0
—
Current month expenses
₦0
—
Current month savings
₦0
—
Current balance
₦0
All accounts
Financial health score
Income vs expenses
Top spending categories
Budget progress
Upcoming renewals
Recent transactions
AI insights
Upcoming financial events
to
This month income
₦0
Last month income
₦0
Income growth
—
Salary dependence
—
Income source breakdown
Monthly income trend
Income transactions (this month)
This month expenses
₦0
Avg daily spend
₦0
Largest category
—
vs previous month
—
Category breakdown
Monthly expense trend
Spending by category
Expense transactions (this month)
Monthly total
₦0
This month
Annual total
₦0
This year
Active subscriptions
0
This month
All subscriptions
Manage and track all your subscription services.
All
Active
Paused
Tip: You're saving ₦0 per month compared to a year ago.
This month giving
₦0
Annual giving
₦0
% of income
—
Top recipient
—
Recipient breakdown
Giving trend
Giving transactions (this month)
Total accounts
0
Total balance
₦0
Active accounts
0
Your accounts
Account balance
₦0
Income (this month)
₦0
Outflow (this month)
₦0
Transactions
0
Account transactions
Total budget
₦0
Planned for this month
Total spent
₦0
Across all categories
Remaining
₦0
Left to spend
Budget usage
0%
You're on track ✓
Total saved
₦0
Across all goals
Total target
₦0
All goals combined
Average progress
0%
Keep it up!
Next goal target
—
—
All goals
High priority
Medium priority
Low priority
Contribution history
Avg daily spend
₦0
Avg monthly spend
₦0
Savings rate
—
Expense growth rate
—
Income vs expenses (6 months)
Savings growth
Category trends
Giving & subscription trends
Upcoming events View all
Summary
Total income +₦0
Total expenses -₦0
Net +₦0
Calendar legend
Income
Expense
Profile
Personalize your experience. This information stays on your device.
Account & Security
Manage your email verification and password.
Email verification
Check your inbox to verify your email address.
Appearance
Dark mode
Switch between light and dark themes
Google Calendar
Connect your Google account to sync financial events and reminders to your calendar.
Link your Google Calendar so financial events, bill reminders, and subscription renewals appear directly in your calendar with automatic reminders.
Automatic synchronization
Choose which financial events are automatically synced to Google Calendar.
Auto-sync subscriptions
Spotify, Netflix, software, etc.
Auto-sync recurring bills
Internet, electricity, rent, insurance
Auto-sync salary & income
Recurring salary and side income dates
Auto-sync savings goals
Goal deadlines and planned contributions
Default reminder
When should we remind you before a financial event? Individual events can override this.
Default reminder time
Notifications
In-app notification banners
Show upcoming payment alerts on the dashboard
Browser push notifications
Get alerts even when FinanceOS is closed
Look-ahead window
How many days ahead to scan for upcoming events
Recurring income events
Salary and side income that repeats on a schedule.
Security
Lock app with PIN
Require a 4-digit PIN to open the app
Data protection
Your data is stored in Google Firebase Cloud Firestore and encrypted in transit. Each user can only access their own data when Firestore security rules are properly configured.
Checking security status...
Auto-categorization rules
Create keyword rules so transactions auto-fill category as you type.
Data management
Your data is stored in your browser and synced to the cloud when signed in.
Export transactions (CSV)
Download all transactions as a spreadsheet
Export full backup (JSON)
Complete backup — transactions, budgets, goals, subscriptions, settings
Import backup
Restore from a previously exported JSON backup. This will replace all current data.
Clear all data
Permanently delete everything. This cannot be undone.
About
Application
FinanceOS
Version
1.0.0
Storage
Firebase Cloud Sync with local browser cache for offline access
Privacy
Your financial data is encrypted and synced to Firebase when you sign in. A local copy is also kept in your browser for offline use.
Security
Authentication via Firebase Auth (Google or Email). Data is tied to your account and only accessible by you.
Home
Activity
Add
Accounts
More
More
Insights
Subscriptions
Budgets
Goals
Calendar
Reports
Giving
Income
Expenses
Settings