Start with your real take-home income
Use the amount you can actually spend, not your gross salary or expected money.
Simple naira plan
Use a simple naira budget template to split income into needs, wants, savings, and daily spending.
Create a clear monthly plan for your naira income.
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 people who want a simple monthly naira budget before using the full app.
Use the amount you can actually spend, not your gross salary or expected money.
Needs keep life running. Wants are enjoyable, but they should not block bills or savings.
A budget only works when you compare it with what you actually spend.
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 is a simple plan that shows how your monthly income should be shared across bills, needs, wants, and savings.
No. It is a starting point. You can adjust it based on rent, family support, debt, and income level.
A template is static. StayGuided updates your picture as real spending happens.
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.