Every morning, KudiPlan calculates exactly what you can spend today — factoring in your salary cycle, upcoming bills, and savings goals. No spreadsheets. No guilt. Just clarity.
Most Nigerians earn well. The problem isn't income — it's the invisible drip of daily spending that nobody warned you about.
Not a generic app from Silicon Valley. KudiPlan is designed for monthly salary earners, Nigerian bill cycles, and the POS culture we all live in.
Enter your numbers below. No sign-up. No email. Just the honest answer.
From Lagos to Abuja to Port Harcourt — Nigerian salary earners finally getting their money to behave.
"I've been broke before payday every single month since I started working. KudiPlan showed me I was spending ₦3,000 a day without thinking. One number changed everything."
"I kept thinking budgeting meant tracking every ₦500. This is different. One look in the morning tells me what I can safely spend. I don't even stress about small purchases anymore."
"The WhatsApp report is the real trick. It arrives on the 1st and I instantly know if last month was good or bad. My wife and I now both use it and actually talk about money."
"Setup was 5 minutes. The bill reminders alone saved me from a late DSTV payment three times. Worth it just for that."
"I'm on ₦85,000 a month. I used to think that wasn't enough. After two months with KudiPlan, I realised I'd just been spending without thinking. I now save ₦15,000 every cycle."
"Honestly didn't expect much for ₦2,500/month. Changed my mind after week one. The daily limit thing is stupid simple and it actually works."
No logging into a dashboard. No hunting for data. On the 1st of every month, your complete spending breakdown lands right in your WhatsApp — exactly where you already live.
| Feature | KudiPlan | Spreadsheets | Generic apps |
|---|---|---|---|
| Daily safe-to-spend limitOne clear number every morning | ✓ | ✗ | ✗ |
| Nigerian salary cycle logicAccounts for month-end paydays | ✓ | ✗ | ✗ |
| Bill deduction from daily limitUpcoming bills automatically reserved | ✓ | Manual | Partial |
| WhatsApp monthly reportNo login — arrives automatically | ✓ | ✗ | ✗ |
| Savings-first daily limitSaves before you spend, not after | ✓ | If you remember | Partial |
| 5-minute setupWorking the same day | ✓ | ✗ | ✓ |
Full access during your 7-day free trial. No card required to start. If you don't love it, you lose nothing.
Both plans include the full 7-day trial. No card required. Pay with Paystack or Monnify.
Join 12,000+ Nigerians who wake up every morning with one honest number — and actually make it to payday.