Financial life,
fitly arranged.
Nigeria’s African-first wealth platform. Budget like a Merchant, slay debt like a Knight, and build generational wealth until you reign as Baron. Every naira fitly placed.
Ready for launchThe Nigerian reality.
The numbers don’t lie. Foreign finance tools were built for credit card debt and 401(k) plans. They don’t understand ajo, Black Tax, one-year rent demands, or the “urgent 2k” cycle that traps millions. Fitly was built for this reality.
26% of them owe money specifically to predatory lending apps charging 200–300% effective annual interest.
PiggyVest State of Finance Report, 2023
Only 36% of Nigerian adults have access to formal savings products. Every emergency becomes a borrowing event.
EFInA
Inflation has destroyed the value of Nigerian salaries. A ₦150,000 Lagos salary does not cover rent, transport, food, and Black Tax.
World Bank
Based on public debt of ₦159.28 trillion. Household debt has reached $38.7 billion, surpassing corporate borrowing.
2025 data
Your world,
fitly arranged.
Real screens. Everyday money, shared goals and bigger plans.
Coming soon to Google Play.
Seven ranks. One destination.
Every rank has a single, clear financial goal built around how Nigerians actually earn, spend, and build wealth. No guesswork, just the next step.
Save ₦100,000 as your first line of defence. Stop borrowing for data, transport, and small emergencies.
Build ₦500K–₦1M for critical life surprises: generator repairs, health bills, sudden family obligations.
Eliminate all lending-app debts using the snowball method, or save one full year of rent in advance.
Build 3–6 months of living expenses as walk-away money. True financial stability during any crisis.
Direct 15% of income into wealth-building assets: land banking, Treasury Bills, mutual funds, and trade.
Fund your land or building fund aggressively, from foundation to roofing, until full property ownership.
Build generational wealth. Engage in high-impact philanthropy. Your financial realm, fitly arranged.
Every naira
accounted for.
Fitly’s budget engine comes pre-loaded with Nigerian spending categories that foreign apps have never heard of. Tithe. Black Tax. Generator fuel. Ajo. Aso-ebi. Village levy. Your money is finally speaking your language.
Nigerian Budget Builder
Zero-based monthly budget with pre-loaded naira categories. Every naira assigned a purpose before the month begins.
Debt Snowball Tracker
List every debt, from lending apps to cooperatives, family loans, and “pay small small” agreements. Fitly builds your payoff plan and tracks every naira eliminated.
Emergency Vault
A 30-day lock feature on your emergency fund. Psychological protection that prevents impulsive withdrawals when life tests you.
Ajo / Susu Tracker
Manage your rotating savings circle digitally. Track contributions, rotation schedule, and payouts, transparent and organised for every member.
Black Tax Slider
Set your monthly family support, and Fitly builds your entire budget around it. No guilt. No guesswork. Your remaining budget auto-adjusts.
Land Registry Tracker
A visual progress bar for staged building: foundation, lintel, roofing, completion. Track contributions and remaining cost at every phase.
PAYE Tax Calculator
“If you earn ₦300,000, your PAYE is ₦20,000. Don’t let your employer short-change you.” Built to Nigerian federal and state tax rules.
Education Hub
Two-minute video modules on Treasury Bills, mutual funds, land banking, and cooperative savings. Financial literacy built into every rank.
AI Financial Assistant
Ask your finances anything. Get roasted when you overspend, hyped when you hit milestones. Powered by Gemini: it knows your numbers and talks straight.
Badges, Streaks & Rank-Ups
Push notifications when you hit milestones. Shareable rank cards. Streak rewards for daily tracking. Money finally feels like progress.
Start free.
Upgrade when you’re ready.
The first three ranks, the foundation of financial security, are completely free. Premium unlocks when you’re ready to build wealth.
- Ranks 1–3 (Commoner, Apprentice, Squire)
- Nigerian Budget Builder
- Debt Snowball Tracker
- Emergency Vault
- Ajo / Susu Tracker
- Rank dashboard & badges
- Everything in Free
- Ranks 4–7 (Yeoman to Lord/Baron)
- Land Registry Tracker
- PAYE & self-employed tax tools
- Education Hub (investment videos)
- AI Financial Assistant (Gemini)
- Multi-income stream support
- Bank account linking via Mono
Your quest begins
in three steps.
Take the Rank Quiz
Sign up and answer a short quiz about your current finances. Fitly places you at the exact right rank. No shame, just your starting point.
Build Your Budget
Set your income and assign every naira to a category, including Black Tax and ajo dues. Log your debts. Connect your bank if you want.
Complete Your Milestones
Your rank gives you specific milestones. Hit them one at a time, and each one unlocks the next. Watch your wealth, and your rank, rise.
Fitly offers financial education and practical tools. It is not a regulated financial advisory service, and nothing on this page should be taken as financial advice.
What Fitly does,
and does not, do with your money.
Fitly is not a bank
Fitly does not hold your funds, take deposits, debit your account, or move money anywhere. It reads your finances so you can see them clearly, and nothing more.
Bank linking is optional and read-only
If you choose to connect an account, the connection runs through Mono and is read-only. Your banking credentials are entered into Mono's environment, not Fitly's, and Fitly never sees them.
You stay in control
Connect an account only if you want to, and disconnect at any time. Everything else in Fitly works with the figures you enter yourself.
Plain answers on your data
What we collect, why we collect it, how long we keep it, and the rights you hold are set out in our privacy policy.
Be first through
the gates.
Fitly is built and getting ready for launch. Join the waitlist for early access, founding member perks, and the satisfaction of starting your quest before everyone else.
No spam. One notification when we launch. Unsubscribe anytime. See our privacy policy.