Stop overspending
before it even happens.
Budgetify AI links to your bank and watches your money around the clock. It catches spending that drains you, then quietly keeps cash safe before it is gone. No spreadsheets, no willpower needed.
In so far: ₦4.2M earned, ₦4.05M spent.
- Transport34%
- Food26%
- Subscriptions14%
- Transfers16%
You overspend on transport every Friday after payday. That is 5 of the last 6 months.
Set aside ₦40,000 when your salary lands?
Connects securely with the banks you already use
Live with major Nigerian banks today, with more countries on the way.
Every other money app is a rear-view mirror.
Your bank statement shows what you lost last month. Most budgeting apps show what you lost last week. Neither one stops the damage. Budgetify AI watches your money as it moves and steps in while there is still time to act.
It sees every naira, as it moves.
Link your account once and Budgetify AI starts tracking every transaction the moment it happens. It sorts your spending, flags subscriptions you forgot about, and learns your habits. Sharp from day one, sharper every week.
- Live transaction tracking
- Forgotten subscriptions surfaced
- Spending patterns it learns for you
Sorted automatically
LiveBolt ride
Transport
Spotify
Subscription
Salary, Acme Ltd
Income
Chicken Republic
Food
It steps in before you slip.
When you are about to blow a budget or repeat last month's mistake, Budgetify AI warns you in time. With your permission, it quietly moves money out of reach before you can spend it.
- Real-time overspend alerts
- Auto-save before money leaks
- Switch to manual approval anytime
Heads up, you are 80% through your Transport budget and it is only the 14th. Want me to ease off?
Salary just landed. I have set aside ₦40,000 toward your goals. Tap to review or undo.
You are paying for 4 subscriptions. 2 have not been used in 60 days. Cancel them?
What it protects, it grows.
Money you set aside sits in a regulated fund and earns every day. You keep the growth, you watch it add up, and you withdraw the moment you need it.
- Held by licensed partners
- Daily earnings, in plain view
- Withdraw whenever you need
Protected balance
Earning daily₦312,500
Set a goal. Life happens. You still get there.
Rent, school fees, a new laptop, a real emergency fund. Tell Budgetify AI what you are saving for and it works toward it every day. When a surprise bill knocks you off course, it quietly re-plans so your goal stays within reach instead of falling apart.
Emergency fund
On track₦320,000
of ₦500,000
Re-planned after a surprise ₦35,000 medical bill. Your December target is still safe. No action needed.
Expense trackers tell you what you lost. Budgetify AI does the deciding.
Sees across all your banks at once
Bank apps see one
Acts to protect money on your behalf
Trackers just record
Knows before you overspend
Reports come too late
Grows what you save, automatically
Chatbots only talk
Built to earn your trust
Real-time
alerts before a budget breaks, not after
0
ways to capture spending, from automatic to manual
₦0
to start. Saving should never cost you money
24/7
watching your money, even while you sleep
From signup to savings, without the effort.
Connect
Link your bank in under a minute with secure, read-only access. No spreadsheets, no manual entry.
Understand
Budgetify AI shows you exactly where your money goes and what is quietly draining it.
Protect
It warns you before you overspend and, with permission, sets money safe before it disappears.
Grow
Protected money earns daily in a regulated fund. Keep the growth, withdraw whenever you want.
People who stopped watching money disappear.
I connected my GTBank account and within minutes it showed me I was burning ₦60,000 a month on Bolt. I had no idea. Now it sets money aside the day my salary lands.
Bryan Adamu
Product Designer
My income is all over the place from different clients. Budgetify AI finally told me what is actually mine to spend and what to keep back. First time I saved three months straight.
Uche Nwodo
Freelancer
It pinged me on WhatsApp right before I overspent ahead of rent. That one alert paid for itself.
Divine Okoh
Business owner
It caught two subscriptions I forgot I was even paying for. Small thing, but it adds up fast.
Praise Cheto
Creative
I used to check three banking apps to know where I stood. Now it is one screen, and it actually tells me what to do next.
David Ibuot
Engineer
I moved back to Lagos and missed having a money app that just works. This one understands Nigerian banks and does the saving for me without me thinking about it.
Oscar Onuegbu
Consultant
Built so you never have to wonder.
Letting software near your money is a big deal. We designed Budgetify AI so trust is not a leap of faith. It is built into how every single action works.
We are not a bank, and that is the point.
Licensed, regulated partners hold and grow your money. Budgetify AI never holds your funds in its own name.
Read-only by default.
Connecting your bank lets Budgetify AI see your transactions, not touch your money. Moving money is a separate permission you control.
Nothing happens behind your back.
Every automated action is yours to pause, undo, or switch to manual approval. You stay in control, always.
Plain-language receipts.
Every move comes with a reason in everyday words, and a record you can check anytime. No jargon, no surprises.
Free, and actually useful.
You should never pay for the privilege of being saved money. The core protection is free for good. Premium just adds more banks, more goals and faster syncs for people who want them.
- Connect your bank and see where your money goes
- Real-time overspend alerts
- Automated savings that grow daily
- Email and push notifications
- Goals, budgets and receipt scanning
Questions, answered plainly.
No. Connecting your bank is read-only, so it can see your transactions, not touch your money. Automated saving is a separate permission you switch on, and you can pause it, undo a transfer, or set it to ask you first, anytime.
With licensed, regulated financial partners, never with Budgetify AI directly. We are the intelligence layer that decides what is safe to set aside. The partners handle custody and the regulated fund where your money grows.
When your protected money earns interest in a regulated fund, we keep a small, disclosed share as the platform fee. That is how the core service stays free. You always see your own earnings, and you always keep the growth.
Switch on manual approval and Budgetify AI will suggest every save and wait for your okay before anything moves. Automation is the default because it is effortless, but you are always in control.
Most major Nigerian banks, such as GTBank, Access, Zenith, Fidelity and Wema, plus leading fintechs like OPay, Moniepoint and PalmPay, all through secure open banking.
Stop overspending. Start growing.
Connect your bank, see where your money is really going in minutes, and let Budgetify AI start protecting what you would have wasted.