For Nigerians
100% Assigned
Every naira gets a job — nothing left unplanned
Give Every Kobo a Job.
The open-source budgeting app built for Nigeria. Transactions captured from bank alert emails, AI categorisation, and offline-first storage.
Zero-based budgeting — assign every naira before you spend it.
Forward your bank alerts — transactions captured automatically.
Pidgin Nudges
"Oga, your food budget don finish o! 3 days remain." — real nudges, in your language.
Coming Soon
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0
Bank Credentials Needed
100%
Open Source
∞
Budget Categories
5
Auto-Assign Strategies
Why MoniMata
Most budgeting apps weren't built for Nigerians. MoniMata is — naira-native, Pidgin nudges, zero-based budgeting, and automatic transaction capture from your bank alert emails. Fully open-source and works offline too.
Privacy First
Zero credentials
MoniMata reads forwarded bank alert emails. No login credentials, no API access — your bank never knows it exists.
Goal Planning
Set targets for rent, school fees, or emergencies — track progress and celebrate milestones.
AI auto-categorises transactions from bank alerts and receipts. You review and confirm — always in control.
Built for real Nigerian life
Every feature was designed around how Nigerians actually spend, save, and pay bills.
Zero-Based Budgeting
Every naira gets a job. Assign income to categories like food, transport, and rent — nothing left unaccounted for.
Daily Tracking
Daily Limit Reached
Smart Nudges in Pidgin
Get alerts like 'Oga, your food budget don finish o! 3 days remain.' — timely, culturally relevant nudges in Pidgin or English.
Daily Tracking
Daily Limit Reached
Bank Alert Capture
Setup auto forwarding once — every debit and credit is automatically parsed and added to your budget. No bank credentials needed.
Daily Tracking
Daily Limit Reached
AI-Powered Categorisation
Transactions are auto-categorised by merchant name and narration using rule-based matching and optional AI. Bring your own API key for premium models.
Daily Tracking
Daily Limit Reached
Savings Targets & Goals
Set goals like ‘New Phone’ or ‘Emergency Fund’ with visual progress tracking. Celebrate when you hit targets.
Daily Tracking
Daily Limit Reached
Offline-First Storage
Built on WatermelonDB — works without internet. Your data syncs automatically when you’re back online.
Daily Tracking
Daily Limit Reached
Recurring Transaction Rules
Automatically detect and track recurring debits — rent, subscriptions, loan repayments — and get notified before upcoming bills hit.
Daily Tracking
Daily Limit Reached
Statement & Receipt Import
Upload a bank statement PDF or snap a receipt photo. Transactions are extracted via OCR and imported into your budget with deduplication.
Daily Tracking
Daily Limit Reached
How MoniMata works
Get started in four simple steps
- 1
Create your account
Sign up in seconds with your email. Your data is secured with biometric app lock.
- 2
Add your Banks
Add your banks and transaction history. MoniMata shows exactly how much you have to assign.
- 3
Give every naira a job
Use zero-based budgeting or auto-assign with 5 smart strategies to allocate every kobo to categories.
- 4
Track, capture & save
Forward bank alert emails to capture transactions automatically, upload statements or receipts, and hit your savings targets.
Built Different
Make Every Naira Count
MoniMata goes beyond tracking. Email-based transaction capture, AI categorisation, recurring transactions, 5 auto-assign strategies, biometric security, and Pidgin/English support make it the most Nigerian budgeting app ever built. And it's fully open-source.
Recurring Transactions 5 Auto-Assign Modes Biometric Lock Pidgin & English AI Categorisation Open Source
Frequently Asked Questions
We have answers to all your concerns
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MoniMata is a zero-based budgeting app built specifically for Nigerians. It helps you assign every naira of your income to a category — rent, food, transport, savings — so nothing is left unplanned. Transactions are captured automatically from bank alert emails, categorised with AI, and stored offline-first on your device
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Zero-based budgeting means every naira of income gets assigned to a specific category before you spend it. Your unassigned balance should always be ₦0 — not because you've spent everything, but because every kobo has a job. MoniMata automates this process with smart auto-assign strategies.
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MoniMata never asks for your bank login credentials. Instead, you forward copies of your bank alert emails — your bank never knows MoniMata exists. All transaction data is stored locally on your device using WatermelonDB, and you can enable biometric lock (fingerprint or Face ID) for extra security.
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There are four ways to get transactions into MoniMata
- Bank alert emails — forward your bank alert emails, and MoniMata automatically parses the debit/credit, amount, and merchant.
- Statement PDF import — upload a bank statement PDF, and transactions are extracted and deduplicated.
- Receipt OCR — snap a photo of a receipt or upload a receipt PDF; OCR extracts the details.
- Manual entry — quick-add cash payments and offline spending.
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MoniMata can parse alert emails from any Nigerian bank that sends transaction alerts via email, including GTBank, Access Bank, UBA, First Bank, Zenith Bank, Kuda, OPay, PalmPay, and Moniepoint. If your bank sends email alerts, MoniMata can read them.
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Yes. MoniMata uses rule-based matching (by merchant name and narration) to auto-categorise transactions. For more advanced categorisation, you can bring your own API key (BYOK) for premium AI models like OpenAI or Google Gemini. You always review and confirm before categories are finalised.
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Absolutely. MoniMata is built on WatermelonDB, an offline-first database. All your data is stored locally on your device and works without internet. When you reconnect, changes sync automatically.
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Core features — budgeting, transaction capture, manual categorisation, savings goals, Pidgin nudges, and offline storage — are free. Premium AI categorisation requires you to provide your own API key (BYOK model).
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MoniMata offers 5 smart strategies to automatically distribute your income across budget categories — so you don't have to manually assign every naira. Strategies include proportional allocation based on past spending, equal distribution, priority-based assignment, and more.
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No. MoniMata does not connect directly to any bank API and never asks for your bank login credentials. Transaction capture works by reading forwarded copies of your bank alert emails. Your bank never knows MoniMata exists.
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Yes, MoniMata is fully open-sourced on GitHub.
Ready to make every
Naira count?
Be the first to know when MoniMata launches. Join the waitlist and start giving every naira a job.
Join Waitlist