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Flowna helps irregular earners stay financially stable and reach their goals — by showing exactly how much you can spend each day.
Pick the band closest to your monthly income. We'll show you an illustrative Safe-Spend for today.
What's your monthly income, roughly?
Pick a band to see an illustrative Safe-Spend.
Sign up to get your real number based on your actual income, goals, and country.
Get my numberThat moment when the maths makes sense and the anxiety drops a notch. Drivers, traders, freelancers, students — whoever earns in spikes, Flowna smooths it.
Four superpowers most apps charge for, all free, all built for real life — workers, hustlers, students.
Flowna automatically groups expenses by category — food, transport, rent, school fees, family, data — and shows you which one eats the biggest slice. On the income side, every earning is grouped by source so you know which job or hustle truly pays the bills.
One chatbot, two superpowers. Type any purchase — Buddy checks it against your Stability Spend, buffer, and goals, and gives a green / yellow / red verdict in 1 second. Or ask anything money-shaped in plain English — Buddy answers grounded in YOUR last 30 days. Never loans, never gambling, never get-rich schemes.
Never type your number again. Every Flowna user gets a free public profile with a personal QR code. Anyone scans it — they see your name, role, photo, socials, and a one-tap "Save to Contacts" button. Add LinkedIn, Instagram, GitHub, your portfolio — it travels with you.
A live dashboard inside Flowna — gold, S&P 500, Bitcoin, Brent oil — with plain-English status pills, 30-day sparklines, and the inflation-adjusted real return in Naira. Premium adds alerts when an asset moves into a more actionable state. No jargon, no advice, no spam.
Once you log, Flowna does the heavy lifting.
Tap any card below to see how it works.
One number that tells you exactly how much you can spend today without disturbing tomorrow.
We don't hold your money. We track how many quiet days you can survive — visually.
0–100 across consistency, buffer, discipline, and goals. Watch it climb.
One app. Everything an irregular earner in Nigeria needs.
Tap any card below to see how it works.
Every naira sorted. See where income comes from and which category eats the biggest slice of your day.
Your single AI sidekick — checks any purchase against your numbers, answers money questions in plain English, and refuses anything risky.
Your free shareable profile with a studio-polished headshot, scannable QR and one-tap contact save — no design skills, no studio fee.
Premium morning brief: gold, S&P 500, BTC, Brent — plain-English status, 30-day sparklines, and what it means for your Naira.
Daily required savings carved out of your Stability Spend automatically. Rent, school fees, family.
Keep clean books without a spreadsheet — one ledger for income and expenses, receipt scanning, invoices, and simple tax estimates for you or your accountant.
Drivers, traders, freelancers, students, salary-and-hustlers — from Lagos and Abuja to Port Harcourt and Onitsha. Different income shapes, same calm daily number.
Client pays once a month — but rent and data don't care. Flowna smooths the spike into a daily number I can actually live on.
I just snap the bank-app alert when a sale comes in. No typing. By Friday I know if it was a strong week or a soft one.
Day job pays end of month. The hustle pays randomly. Flowna's stability score went from 38 to 71 in eight weeks — I sleep better.
Used to spend ₦5,000 on Monday and run dry by Wednesday. Flowna's safe-spend tells me what's actually mine to spend each day.
My parents send ₦40,000 on the 1st and it used to be gone by the 10th. Flowna split it into a daily allowance and a buffer — I stopped texting them for emergency cash.
Driver, trader, freelancer or salary+hustle. Frequency, average income, biggest expenses.
A 5-second tap each time. We crunch the last 30 days into your Recommended Spend.
Wake up, see today's number, plan dinner. Watch your stability score climb.
Every morning we read the global markets so you don't have to. Gold, the dollar, oil, global stocks, Bitcoin — translated into plain English and into Naira. Built for everyday people, not Wall Street pros.
Global markets show a steady rise in major stocks and gold, while oil and digital assets face some pressure.