Ask the question before you buy
This one habit prevents most regret spending: check what is safe before paying.
Today's money limit
Find out how much you can spend today with a simple calculator built for real income, bills, and saving goals.
Answer the question before the purchase becomes regret.
Know what you can spend today after bills and savings.
Safe to spend today
Careful₦3,222
₦58,000 remains after bills, saving, and spending so far.
Save this in StayGuidedPlain money guide
for anyone asking if a purchase is safe before payday.
This one habit prevents most regret spending: check what is safe before paying.
Today's spending should not take food, transport, rent, or savings from the days ahead.
StayGuided keeps the number updated as you log, so you do not keep recalculating in your head.
Free tools
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Split monthly income into needs, wants, savings, and daily spending.
Money leak checker
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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
Subtract bills, savings, and money already spent from your income, then divide what remains by the days left before payday.
Update the number whenever income changes. StayGuided is built for changing real-life money situations.
No. Treat it as a limit, not a target. Spending less gives you more room later.
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.
Naira-first budget
StayGuided is a Nigerian-first budgeting app that helps you plan income, track spending, and know what is safe to spend.
Simple naira ledger
Track expenses in naira, spot spending patterns, and turn your ledger into simple money guidance.