Nigeria · NGN
A free expense tracker for Nigeria, in naira
Bank transfers, POS payments and cash cover most spending in Nigeria, and when prices move fast, knowing where your naira goes matters more than ever. Balance gives you one place to track it.
It's free with no ads, and it never asks for your bank login or BVN.
Free · No ads · 140+ currencies · Android (iOS coming soon)
Built around how Nigeria pays
- Bank transfers logged from the transfer receipt screenshot
- POS and card payments logged by scanning the receipt
- Data, airtime, electricity tokens and DSTV tracked as recurring bills
- Cash and market spends added in two taps
Keep your budget current when prices keep changing
With inflation, a budget set at the start of the year can be out of date by mid-year. Review your category totals every month and adjust your limits to what things actually cost now. Balance's month-over-month trends make the drift easy to spot.
Small recurring costs like data, airtime and transfer charges add up faster than they seem. Give them their own category so they're visible.
Your currency, set up for you
Balance sets your home currency from your phone's region the first time you open it, so in Nigeria amounts appear in Nigerian nairas (NGN) with the right formatting. If you move or prefer another currency, you can switch to any of 140+ in settings.
What you get, free
- Receipt and payment-screenshot scanning that fills in amount, merchant and date
- Category, merchant and monthly breakdowns
- A monthly budget, fixed expenses and bill reminders
- A subscription tracker for things that renew
- Roast Mode: a witty nudge when you overspend
- Android home-screen widgets and CSV export
Frequently asked questions
Does Balance need my BVN or bank login?
No. Balance never asks for your BVN, bank login or card details. You log spends by scanning receipts or screenshots, or adding them manually.
Can I use Balance in naira?
Yes. Balance picks NGN automatically from your phone's region, and you can switch currency anytime.
Is Balance free?
Yes. Balance is free to download and use, with no ads. Everyday tracking — adding expenses, automatic capture, bills and subscriptions, accounts and CSV export — is free, and it isn't a trial that runs out.
Which platforms is Balance available on?
Balance is available on Android today. An iOS version is coming soon. It's a mobile app rather than a web dashboard.
Keep exploring
Start understanding your money with Balance.
Free to download, no ads, no bank login. Get it on Google Play and start tracking in minutes.