Budget. Accounts. BRVM. Family.
All your money, one app.
The four pillars other apps sell separately, together and built for the CFA zone: envelope budgets, multi-currency pockets across Wave, Orange Money, MoMo and your banks, the BRVM stock market at a glance, and money shared with the people who matter — household, tontines, family remittances.
Default currency: XOF (CFA). Add USD, EUR, GHS, NGN and more.
No Mobile Money PIN or bank password needed. Your data is never sold or used for advertising.
What could be left this month?
Start with this example in CFA francs, then try your own figures. Include rent, food, transport and family commitments in your expenses.
Left after expenses and savings
35,000 FCFA
Income minus your planned expenses and the money you want to set aside. This is a monthly plan, not your bank balance.
These figures stay on this page. They are not saved or sent by the calculator.
Create my free accountNo card required. You will set up your real accounts after signing up; this example is not imported.
The four pillars of your money
Budgeting apps stop at budgets. Savings apps hold your money. BantuMoneyT brings the whole picture together — without ever holding a franc.
Multi-Currency Budgeting
Track XOF, USD, EUR, GHS, NGN and more inside a single budget. Exchange rates refresh daily, so totals stay accurate — no spreadsheet required.
- Auto-convert expenses to your home currency
- See true spending power across all accounts
- Plan trips and remittances without the math
Family Budget & Household Tracking
Share budget categories with your partner, track household spending together, and reach savings goals as a family. One app, one calm view of your money.
- Shared categories for couples and families
- Track who spent what with clear labels
- Group savings goals for vacations, school, and home
Free to start, honestly
Budgets, accounts, goals, bills, tontines and family sharing are free — no credit card, no trial. Premium (AI coach, unlimited receipt scanning, reports) is 2 500 XOF monthly, or 24 000 XOF annually — equivalent to 2 000 XOF/month; see the full breakdown on our Pricing page.
How it actually works
The honest version, in four short answers.
Guides to manage your money better
Envelope budgeting, tontines, emergency funds, the BRVM: practical guides written for the CFA zone.
How to Budget a 150,000 FCFA Monthly Salary
A complete monthly budget for 150,000 FCFA — rent, food, transport, family, tontine and savings — and the four rules that make it last until payday.
Saving togetherWhat is a Tontine and How it Works
The rotating savings circle explained: how a tontine works, what makes one fail, and how to keep every contribution traceable.
BudgetingEnvelope Budgeting for West African Households
The envelope method adapted to irregular income, cash spending and mobile money — with the eight envelopes that actually hold.
SavingEmergency Fund on an Irregular Income: A West African Guide
How much to keep aside when no two months pay the same, where to keep it, and how to rebuild it without derailing the budget.
BudgetingDiscretionary vs Non-Discretionary Expenses (XOF Guide)
Which spending you can actually cut, which you cannot, and how to sort a real month of transactions between the two.
InvestingHow to Invest in the BRVM: A Step-by-Step Guide
Opening an account with an SGI, what the regional exchange lists, order sizes and fees — the practical path from zero to a first order.