Needs Bucket₦276,000 left
Savings Rate20% →
Utility Bucket90% used ⚠
Total Balance₦842,500
50/30/20 SplitActive
Monthly Income₦1,200,000
Monthly Expenses₦357,500
Ledger Entries1,248 records
Needs Bucket₦276,000 left
Savings Rate20% →
Utility Bucket90% used ⚠
Total Balance₦842,500
50/30/20 SplitActive
Monthly Income₦1,200,000
Monthly Expenses₦357,500
Ledger Entries1,248 records
Now in Beta — Claim Your Spot
Your Money. Fully Engineered.
A rule-based financial engine that splits your income into smart budget buckets and tracks every naira with ledger-grade precision.
✓ 3-month free trial · ✓ No credit card · ✓ Built for Nigeria
spendnub.shotnubsolutions.com — Financial Pulse
● LIVEBalance
₦842K
Income
₦1.2M
Expenses
₦357K
Needs₦276K
Wants₦168K
Savings₦240K
Utility₦6K
Activity
Freelance
+₦450KRent
-₦150KGroceries
-₦28KSalary
+₦750KNetflix
-₦5.4K₦∞
Tracked per user
50/30
Default split rule
100%
Ledger accuracy
0₦
Cost to start today
How It Works
From income to insight
in three steps.
01
💰
Log Your Income
Enter a single income transaction and SpendNub instantly applies your budget rules — splitting funds across Needs, Wants, Savings, and custom buckets.
02
⚙️
Engine Distributes
The InsightService intercepts each transaction and writes atomic ledger entries for every category. Every naira is accounted for with a unique Ledger ID.
03
📡
Pulse Your Dashboard
Watch your Financial Pulse in real-time. Monitor bucket health, track rolling balances, and catch overspending before it becomes a problem.
Features
A finance engine,
not just a tracker.
🧮
Smart Income Splitting
Log once — the engine auto-distributes across your budget buckets using custom percentage rules. No manual math, ever.
✦ Automated
💎
Sinking Fund Engine
Unspent money rolls over month to month. Your buckets accumulate wealth instead of resetting to zero like traditional apps.
✦ Rolling Balance
📒
Double-Entry Ledger Architecture
Every transaction creates an immutable audit trail. Delete an income? The engine automatically writes a perfect reversal entry. Your balance is never wrong.
✦ Audit Grade
LDG-001Salary — Oct+₦750,000
LDG-002Needs Split 50%+₦375,000
LDG-003Rent · Needs-₦150,000
LDG-004Wants Split 30%+₦225,000
LDG-005Savings Split 20%+₦150,000
Pricing
Simple pricing. Serious value.
90 days free — no credit card needed. Upgrade when you're ready.
Free
₦0/mo
90-day trial · no credit card
- ✓3 budget buckets
- ✓Income & expense logging
- ✓Basic dashboard (current month)
- ✓30-day transaction history
- ✗Unlimited buckets
- ✗Full ledger audit trail
Most Popular
Personal
₦1,500/mo
billed monthly · cancel anytime
- ✓Unlimited budget buckets
- ✓Full ledger history — all time
- ✓Sinking fund / rolling balance
- ✓Unlimited subcategories
- ✓Data export (CSV)
- ✓Priority support
Family
₦3,500/mo
billed monthly · cancel anytime
- ✓Everything in Personal
- ✓Up to 3 budget profiles
- ✓Shared SpendNub view
- ✓Budget templates
- ✓Dedicated support
🔒 Payments via Paystack · SSL encrypted · Cancel anytime · Your data is always yours
Ready to take control?
Join finance-minded Nigerians who track every naira with precision.