Free for Nigerians
All your money, in one place — free.
Track your budget, spending, net worth, savings goals and bills in naira — and see a transparent financial health score + full Money OS Snapshot (OS Index, what-if, projections, Nigerian benchmarks) built from your own numbers.
✅ Free to start
🔒 Privacy-first & private
💰 Built for Nigeria, in naira
What you get, free
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Money dashboard & Money OS Snapshot💰
Budget trackerPlan your income and expenses and see where every naira goes each month.
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Spending insightsImport a bank statement (CSV) and we auto-sort it into categories — monthly and a full year-in-review.
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Free bank statement converterTurn a bank statement PDF into Excel or CSV in seconds, auto-categorised. Try it →
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Net worthTrack your assets and liabilities over time and watch your net worth grow.
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Savings goalsSet targets with a finish-date projection that tells you whether you're on track.
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Bills & renewalsNever miss a debit order, policy or subscription renewal again.
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Money alertsGet nudged about due bills, overspending and your savings goals.
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SA calculators & comparisonsBond, affordability and loan calculators, plus product comparisons — all free.
Free tools to run your money
These tools are 100% free for Nigerians. No catch, no login required for core use. This is how we build trust and leadership.
❤️ Money OS Snapshot — Health Score + OS Index
Transparent 0–100 health (exact weights + Nigerian benchmarks) + composite OS Index, projected score, what-if simulator, goals, streak and quick wins. Public demo available — no account needed to explore.
Open full demo + builder →
Log in for personal Snapshot in dashboard.
How these tools power your Money OS
Every feature here feeds your Health Score. The budget tracker tracks your savings rate and how well you stick to your plan. Spending insights and the statement converter reveal the real patterns behind your net worth and goals. The Snapshot unifies it all — your health score plus a live glance in one view. Regular use builds your streak, logs wins, and personalises your recommendations, so the plan reflects your real debt, emergency fund and savings rather than a template.
No page or tool is isolated — everything connects to your dashboard. Start with the free Snapshot demo (no account needed), then add your own data in the trackers for live updates to your projected score and action plan. The factor weights are transparent and the tools are free.
The free money dashboard is your command centre. Import statements, set goals, track net worth, and log wins from free tools like the invoice or quote generator — all feeding your streak and recommendations. Use the what-if on factors like debt or savings and you see the projected impact on your score before you commit in real life. Measure with the Snapshot, act with the tools, learn from the guides, repeat.
Go further with Rateweb Plus
Everything above is free. Plus adds the debt payoff planner, AI money assistant, monthly & annual PDF reports, a document vault, advanced calculators, price & rate alerts and an ad-free experience — with a 7-day free trial.
See Plus →
Common questions
Is it really free?Yes — the money dashboard and core tools are free. We may earn a commission when you take up a product through us, at no extra cost to you.
Is my data safe?Your financial data is private to your account and handled in line with applicable data-protection law. We never sell it, and you can export or delete it anytime.
Is this financial advice?No. Rateweb provides educational information and tools, not personalised advice from a licensed financial adviser.
Ready to see your whole money picture?
Create a free account and add your numbers — it takes a few minutes.
Get started — free →
Rateweb is a comparison and tools service, not a licensed financial adviser. This is general information, not personalised financial advice.
