Three-bucket system
Split every naira across clear buckets so spending and saving stay intentional.
Built for Nigerian professionals
Budget your naira.
Build real wealth.
The only budget planner built for Nigeria — T-bills, savings locks, Group target savings, annual rent, and everything in between. No bank sync. No real money.
No credit card · No bank connection · 100% free
See it in action
Your entire financial life,
finally organised.
From your monthly budget to your T-bills maturing next week, Orjar shows your complete money picture in one clean workflow.
Based on Nigerian income levels
9:41
Good morning,
Femi 👋
Monthly income
₦800,000
↑ 56% savings rate · ₦448k saved
Saved
₦448k
Spent
₦187k
Buckets
Pay yourself 50%₦400k
Lifestyle 32%₦256k
Misc 18%₦144k
Target savings
🏠0%
Rent
₦0 / ₦800k
Target ₦66,667/mo
BEHIND
Manage jars →
T-BILLS TRACKER · GROCERY LIST · RENT JAR · INVESTMENT LOG · BUCKET BUDGETING · NAIRA-FIRST · T-BILLS TRACKER · GROCERY LIST · RENT JAR · INVESTMENT LOG · BUCKET BUDGETING · NAIRA-FIRST · T-BILLS TRACKER · GROCERY LIST · RENT JAR · INVESTMENT LOG · BUCKET BUDGETING · NAIRA-FIRST · T-BILLS TRACKER · GROCERY LIST · RENT JAR · INVESTMENT LOG · BUCKET BUDGETING · NAIRA-FIRST ·
Features
Everything your budget needs
T-bills & investment tracker
Log treasury bills and platform investments with maturity and return context.
Grocery list with deferred pricing
Build lists, add prices when you shop, and total up before you pay.
Rent jar
Turn annual rent into a monthly savings target you can actually hit.
Wealth projection
See where your savings rate could take you over the next few years.
How it works
Set up in 5 minutes
Enter your income(s)
Add every stream so your plan reflects real life.
Split across your buckets
Give every naira a job before the month runs away.
Log expenses as you spend
Stay honest with quick logs — no bank connection required.
Track T-bills and investments
Know what matures when, and what your portfolio is doing.
For who
Made for people like you
The Professional
Dual income, wants to track T-bills and stay on top of rent.
The New Earner
First big salary — you want structure without feeling boxed in.
The Saver
Already using saving apps — add a planning layer on top.
Ready to take control?
A product of Quiet Technologies.
Success comes from intentionality, and those who succeed with money are intentional with it.
Asere Opeyemi-Michael, Co-Founder & CEO, Orjar finance.
Start freeBuilt for Nigerian professionals