For earners ₦200k–₦1.5m/month
Money comes in. Money disappears. Every. Single. Month.
You earn well. You hustle. But at the end of the month, you’re asking the same question:
“Where did it all go?”
Balancc fixes that — by protecting your income, giving you daily guardrails, and helping you save without touching it.
Balancc auto-routes your income into protected Bags the instant it lands. Your Safe‑to‑Spend updates daily — no more guessing.
You don’t need another budget app. You need answers.
Spreadsheets and budgeting apps fail because they expect discipline.
You don’t need categories, you need clarity.
- See where every naira goes.
- Get one daily guardrail, not 20 confusing categories.
- Stop waking up broke before the month ends.
No more guessing. You’ll always know what’s safe to spend — today.
After rent, tithe, family, and savings are already protected.
Know where your money goes — every day
Balancc pulls your bank transactions every morning, cleans up cryptic POS/USSD texts, auto‑categorizes them, and shows exactly what’s eating your money. Your Safe‑to‑Spend adjusts instantly.
Daily syncs
Connect your bank once. New transactions appear automatically every day.
Clean statements + auto‑categorization
“PR123 GTB POS 033” becomes Spar Lekki. We group spending by food, transport, family, bills, and more — and learn from your edits.
Top drains
See the categories and merchants eating the most this week and month — instantly.
Recurring & bills
We detect subscriptions and rent/school fees so you’re never surprised. Get reminders before they hit.
Smart alerts
Spending spike? Duplicate charge? We notify you. Your Safe‑to‑Spend updates automatically.
Notes, tags, export
Add notes or tags to any transaction, attach receipts, and export CSV whenever you want.
What you’ll see every morning
- Yesterday’s total spend vs your weekly average.
- Top drain category and top merchant.
- Bills due in the next 7 days — no surprises.
- Suspicious or duplicate charges flagged for review.
- Today’s Safe‑to‑Spend, already adjusted.
- 🟣 You spent ₦18,200 yesterday (‑₦3,100 vs avg)
- 📊 Top drain: Food (₦8,600) • Top merchant: Jumia
- 📅 Bills due soon: Netflix (₦3,600) on Sat
- ⚠️ Duplicate charge suspected at POS — review
- ✅ Safe‑to‑Spend today: ₦24,900
Your Money Snapshot
Top drain: Food (₦42,800) • Top merchant: Jumia • Savings added: ₦25,000
Secure, read‑only bank connections. You stay in control and can disconnect anytime.
Your savings aren’t safe. That’s the problem.
You don’t fail at saving because you’re careless.
You fail because your money is too easy to reach.
One late‑night transfer. One ‘urgent’ weekend spend. And months of saving vanish.
With Balancc, that ends.
Here’s how your savings grow — and stay:
- Auto‑routing: money never sits idle in your main account.
- FlexLock: friction before you withdraw, so you think twice.
- SOS buffer: a little lifeline when life throws punches — scaled to your income.
“Your money is finally safe from the person who spends it — you.”
- SOS: Instant access to a small, dynamic buffer that scales with your balance (e.g., up to 2–5%) — enough for real emergencies without derailing your goals.
- Cooling‑off: Set 12–72h timers to avoid impulse withdrawals.
- Auto‑recovery: If you dip in, Balancc tops it back up on your next inflow.
PiggyVest locks money. Budget apps shame you. Balancc protects you.
Not just locks
Humane savings, flexible with recovery.
Not budgets
One guardrail, not 20 categories.
Built for you
Tithes, black tax, rent deadlines — real Nigerian realities.
“Before Balancc, I always wondered where my money went. Now I see it daily, and I still have enough for me.”
“I touched my savings every month. With Balancc, I haven’t touched a kobo in 3 months. That’s a first for me.”
How much longer will you let money slip away?
You’ve tried saving apps and spreadsheets. They don’t work. This will.