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Fast, secure bank transfers for everyday spending
Planmoni
A Nigerian money control app that splits lump-sum income into scheduled auto payouts and tracks progress, built for freelancers, students, salary earners, and small business owners.
Planmoni Product Overview
Is Planmoni Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian freelancers
- Students on allowances
What It Does Well
- Split lump sum income
- Scheduled auto payouts
Things to Check
- Bank account linking
- Payout schedule options
About Planmoni
Planmoni is a Nigerian personal finance app for individuals who want to pace spending by splitting a lump sum into scheduled payouts that get credited back to a bank account over time.
Key capabilities include:
- Scheduled auto payouts across daily, weekly, bi-weekly, monthly, quarterly, bi-annually, annually, and custom frequencies, designed to help money last through the month or a school semester.
- Payout plan setup and calculator that estimates what each payout will be based on the total amount, frequency, and duration (useful for “self-salary”, allowances, and stipend planning).
- AI-driven payout planning, where users provide a budget and timeline and the app suggests an optimal payout schedule.
- Real-time tracking with countdown timers, progress views, notifications, and security alerts (including login attempt detection), plus biometric security for sensitive actions.
Available on Android and iOS.
It targets Nigerian consumers such as freelancers and gig workers, students, salary earners, and small business owners who want cash-flow planning rather than a savings lockbox or lending product.
Notable context: it operates as a FinTech provider (not a bank) with banking services in Nigeria provided by SafeHaven Microfinance Bank (CBN-licensed; NDIC deposit insurance is described as pass-through up to ₦5,000,000 per qualified customer account). The product also references Mono for account linking and Paystack for payment services, and it advertises free payouts with no hidden fees. It is listed as a NiYA Startup 2.0 Winner (2025).
Planmoni Facts
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Official Links
What it does
As of Oct 5, 2026, Planmoni is rated 5.0 on the App Store from 3 reviews and 4.4 on Google Play from 59 reviews with 10K+ installs.
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Frequently Asked Questions About Planmoni
Planmoni is a Nigerian personal finance app that helps you turn lump-sum income into scheduled automatic payouts so your money is released back to your bank account over time. You set payout plans (such as self-salary, allowances, or stipends), choose the frequency and duration, and Planmoni handles the timing and credits your linked bank account when each payout is due.
Planmoni is free to download and use, and payouts are described as free with no hidden fees. You may still incur any standard charges from your bank or payment providers, but Planmoni itself does not charge subscription or payout fees.
Planmoni primarily operates in Nigeria and is designed around Nigerian banking partners, regulations, and examples. While it is marketed as Africa’s number one money control app, its concrete operations and supported banks are Nigeria focused.
To sign up for Planmoni, download the Planmoni Personal Finance app from the Google Play Store or Apple App Store, then follow the in-app registration flow to create an account and link your bank. The signup process is designed to be quick, taking about a minute for most users.
Yes, Planmoni has a mobile app available on Android and iOS. You can find it as “Planmoni Personal Finance” in the Google Play Store and Apple App Store.
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