Flowna — One steady daily Safe-Spend number for irregular income in Nigeria
Flowna turns unpredictable Naira earnings into a calm daily number you can spend without breaking the month. Tax-aware (PAYE), inflation-aware (live World Bank CPI), and minimum-wage-aware. Built natively for Nigeria.
What Flowna does
- Stability Spend — a personalised daily safe-spend number from your real income rhythm.
- Goal-Protected Spend — automatically reserves what your goals need before you spend.
- Records & Tax Insights — unified ledger, receipt scanning, invoices, estimated tax reserve (planning-only).
- Bank linking (Mono) — securely sync your Nigerian bank so income and expenses stay current.
- Buddy — AI sidekick that gives pre-purchase green/yellow/red verdicts in one second.
- Voice + Photo logging — 5-second expense entry via Whisper + Gemini vision.
- Flowna Card — free QR business card every user gets.
- My Markets — daily USD/Naira FX, gold, S&P 500, BTC, Brent — with a personalised rate-impact banner.
Made by
Flowna Circuit Tech Ltd. We help you plan — we never hold your money, lend, or give professional financial advice.
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