Stop guessing what you can afford.
Know what is safe to spend today.
No more spreadsheets, mental arithmetic, or end-of-month panic. Fundo calculates what you can safely spend today across all your banks, fintech wallets, and cash—automatically protecting your rent, bills, and savings before you spend a kobo.
Watch Fundo protect your money in real time
No interactive setup required. Watch the 3-step automated workflow below to see how Fundo recalibrates daily limits without touching your protected reserves:
1. Lock Fixed Commitments
Fundo immediately isolates upcoming rent and utility bills (₦220k) from total liquid cash (₦450k), establishing a calm safe daily allowance (₦7,660/day).
2. Instant Expense Ingress
A grocery purchase of ₦18,500 is logged via card, cash, or receipt snap. Fundo ingests the transaction without complex categorization dropdowns.
3. Real-Time Runway Recalibration
Safe-to-Spend instantly recalibrates to ₦7,000/day. Rent remains 100% ring-fenced. You know exactly what is safe to spend tomorrow morning.
Financial calm in 30 seconds a day
1. Safe-to-Spend Governor
Instead of confusing your total bank balance with spendable money, Fundo reserves your upcoming rent, electricity tokens, and bills first.
2. Zero-Friction Voice Logging
No 5-field dropdown forms. Type or speak naturally: "fuel 15000 gtbank". Fundo parses amount, category, and wallet instantly.
3. 30-Day Forward Runway
See exactly when recurring bills land against upcoming inflows so you never get caught off guard by a mid-month debit.
4. 1-Tap Anti-Drift Calibration
Missed a few days? Confirm your current balance in 4 seconds. Fundo recalibrates your Safe-to-Spend limit without guilt or tedious backfilling.
