---
title: "Planmoni: Scheduled Payouts and Spending Plans"
description: "Split a lump sum into daily to annual (or custom) payouts credited to your bank in Nigeria. Set plans, use AI schedule tips, track with alerts."
canonical_url: "https://liners.com/planmoni"
markdown_url: "https://liners.com/planmoni.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/planmoni/screenshot.webp?v=1783183941494"
published_at: "2026-07-04T16:52:38.267Z"
updated_at: "2026-10-06T03:01:35.284Z"
---

# Planmoni: Scheduled Payouts and Spending Plans

Split a lump sum into daily to annual (or custom) payouts credited to your bank in Nigeria. Set plans, use AI schedule tips, track with alerts.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [Planmoni](/planmoni)

## Summary

Turn lump-sum income into scheduled payouts

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://planmoni.com/ |
| Tagline | Turn lump-sum income into scheduled payouts |
| Primary country | Nigeria |
| Platforms | Web, Android, iOS |
| Average rating |  |
| Published reviews | 0 |
| Verified listing | No |

## About the product

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)**.

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Personal Finance](/tags/personal-finance): Product feature or technology
- [Nigeria](/countries/nigeria): Market

## Related pages

- [Alternatives](/planmoni/alternatives)
- [Reviews](/planmoni/reviews)
- [Transparency](/planmoni/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/planmoni)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)