Features
Everything your money does, in one place.
A personal finance tracker built for how banking actually works — alerts, statements, transfers, and all.
Getting data in
Connect a bank, drop a statement, or let alerts do the work.
Moneytaw meets your money wherever it lives. Connect your bank account for real-time syncing, upload a PDF, CSV or Excel statement from GTBank, Access, Zenith, UBA, First Bank, Sterling, Union Bank, Providus, Opay, Palmpay or Moniepoint, sync bank alert emails from your mailbox, or let the Android app read incoming bank SMS.
Imports are deduplicated automatically — upload the same statement twice and nothing doubles. Every import is reviewable and reversible in the imports manager.
AI categorization
Raw narrations in. Real categories out.
"POS TRF 0043 IKEJA" tells you nothing. Moneytaw's AI reads bank narrations the way a Nigerian reads them — POS, NIP, USSD and all — and files each transaction under a category that actually means something.
Correct it once and your correction becomes a standing rule. You stay in charge; the AI does the typing.
Fourteen lenses on the same money.
Net worth in one number, a financial health score you can watch improve, and fourteen insight perspectives that each catch a different pattern — the leaks, the creep, the idle cash.
Budgets · Investments · Debts
Limits that warn you early — and ledgers for the rest.
Set a monthly limit per category and get pinged beforeyou cross it. Track investments alongside spending, and log debts in both directions — what you owe, and what you're owed.
Moneytaw also reads your imported statements for money that moved like lending, works out the counterparty from the narration, and offers to turn it into a tracked debt — matching later repayments to the right loan.
And loan links: send a shareable page where your borrower or lender confirms the terms without an account or a download. Once they agree, the loan lands on both your records, with reminder emails handled for you.
Giving
Tithe, Zakat, or your own plan — computed and kept.
Choose Tithe (10% of increase), Zakat (2.5% of qualifying wealth), or a custom rule. Moneytaw calculates what you owe from your real numbers and tracks every payment against it — so faithfulness is a glance, not an audit.
Locked & offline-first
PIN and biometric lock, encryption in transit and at rest, and an offline-first core that works with no signal and syncs later. Export everything, anytime.
Multi-currency, real rates
Naira first, with USD, GBP and EUR alongside — converted at official or parallel-market rates, your choice. One net worth across all of them.
Kudi Points referrals
Your code is a real word you can say out loud. Share it and you earn Kudi Points as each friend gets set up — up to 330 per friend — while they start with 500 of their own. 1 point = ₦1 off Premium, and points never expire. See pricing.
Not a tracker. An accountant.
Your bank app shows you one account. A budgeting app built elsewhere doesn't know what an EMT levy is, or why you tithe.
Every account in one picture
- Your bank app
- Noone bank only
- A budgeting app
- Nobuilt for foreign banks
- Moneytaw
- Yes
Reads Nigerian narrations
- Your bank app
- No
- A budgeting app
- No
- Moneytaw
- Yes166 built-in patterns
Learns your categories
- Your bank app
- No
- A budgeting app
- No
- Moneytaw
- Yesteach it once, forever
Tithe, Zakat and giving
- Your bank app
- No
- A budgeting app
- No
- Moneytaw
- Yesfour calculation bases
Money you lent to friends
- Your bank app
- No
- A budgeting app
- No
- Moneytaw
- Yeswith shareable agreements
Parallel-market FX
- Your bank app
- No
- A budgeting app
- No
- Moneytaw
- Yesalongside the official rate
Your money has been trying to tell you something.
Free to start. Two minutes to set up.
no card required ✦