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.

Start Free Trial →Log In

✓ 3-month free trial  · ✓ No credit card  · ✓ Built for Nigeria

app.spendnub.ng — Financial Pulse
● LIVE
Balance
₦842K
Income
₦1.2M
Expenses
₦357K
Needs₦276K
Wants₦168K
Savings₦240K
Utility₦6K
Activity
Freelance
+₦450K
Rent
-₦150K
Groceries
-₦28K
Salary
+₦750K
Netflix
-₦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

Simple pricing. Serious value.

Start free, scale when you're ready. No hidden fees.

Starter
₦0/mo
3-month free trial
  • ✓3 budget buckets
  • ✓Income & expense logging
  • ✓Basic ledger audit
  • ✓Mobile-ready UI
  • ✗Advanced analytics
  • ✗Bank feed sync
Get Started Free
Most Popular
Pro
₦2,500/mo
After free trial
  • ✓Unlimited buckets
  • ✓Full ledger audit trail
  • ✓Sinking fund engine
  • ✓Predictive spending alerts
  • ✓Savings goals
  • ✓Priority support
Start Free Trial
Business
₦8,000/mo
Per workspace
  • ✓Everything in Pro
  • ✓Bank feed integration
  • ✓Shared Pulses (teams)
  • ✓WhatsApp bot
  • ✓Public API access
  • ✓Dedicated support
Contact Sales

Ready to take control?

Join developers and finance-minded Nigerians who track every naira with precision.