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).

As of Jul 4, 2026, Planmoni is rated 4.5 on the App Store from 4 reviews and 4.5 on Google Play from 49 reviews with 10K+ installs.