Budget around payday
A good Nigerian budget starts from when money enters your account, not from a random calendar date.
Naira-first budget
StayGuided is a Nigerian-first budgeting app that helps you plan income, track spending, and know what is safe to spend.
Build a naira budget that survives real life.
Split monthly income into needs, wants, savings, and daily spending.
Suggested daily spend
Starter plan₦4,800
Needs: ₦90,000. Wants: ₦54,000. Savings: ₦36,000.
Save this in StayGuidedPlain money guide
for Nigerians who want a budget that works with naira income, bills, and real habits.
A good Nigerian budget starts from when money enters your account, not from a random calendar date.
Food, transport, airtime, rent, and family support need separate limits so one area does not quietly swallow the rest.
StayGuided turns the budget into daily guidance, so you know when to slow down and when spending is still safe.
Free tools
Monthly budget calculator
Split monthly income into needs, wants, savings, and daily spending.
Money leak checker
See how repeated small spending turns into a monthly and yearly cost.
Payday planner
Plan what is left each day before your next payday.
Rent and saving goal planner
Break rent, school fees, or a savings target into weekly steps.
Safe-to-spend calculator
Know what you can spend today after bills and savings.
Questions people ask
It starts with naira, payday planning, local spending categories, and simple guidance for day-to-day money decisions.
Yes. The app uses plain language and daily guidance instead of complicated finance terms.
Yes. You can use it in the browser, install it from Safari on iPhone and iPad, install it from Chrome on Android, and use the Android wrapper when distributed.
Next step
The calculator gives you a quick answer. StayGuided keeps the answer updated as you log real spending.
Daily spending answer
Use the free safe-to-spend calculator to know what you can spend today after bills, savings, and recent spending.
Simple naira ledger
Track expenses in naira, spot spending patterns, and turn your ledger into simple money guidance.
Today's money limit
Find out how much you can spend today with a simple calculator built for real income, bills, and saving goals.