Start with money that is already spoken for
Remove rent, transport, food, subscriptions, loan payments, and savings before you decide what is free to spend.
Daily spending answer
Use the free safe-to-spend calculator to know what you can spend today after bills, savings, and recent spending.
Know what you can spend today without hurting your bills or savings.
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 salary earners, students, and small business owners who need a daily spending limit.
Remove rent, transport, food, subscriptions, loan payments, and savings before you decide what is free to spend.
Divide what is left by the number of days before your next income. This gives you a calm daily limit.
Your safe amount should move when you spend. StayGuided does this automatically so the number stays honest.
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 the money you can spend today after keeping aside bills, savings, and the money you still need before your next payday.
No. A budget is the bigger plan. Safe to spend is the smaller daily number that helps you make better choices today.
Yes. The app updates your daily guidance as you log income, expenses, bills, and saving goals.
Next step
The calculator gives you a quick answer. StayGuided keeps the answer updated as you log real 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.
Today's money limit
Find out how much you can spend today with a simple calculator built for real income, bills, and saving goals.