Budgeting
It's 2026. Please Stop Budgeting in a Spreadsheet.
Your spreadsheet was a hero in 2015. Today it is an unpaid part-time job you forgot you applied for. Consider this a gentle intervention.
20 June 2026·4 min read
Blog
Money insights for every Nigerian
Practical guides, product updates, and thoughts on building better financial habits, from the team behind Klario.
Nigeria money snapshot
The numbers behind every naira
A quick read on work, pay and prices in Nigeria. It is the backdrop to why managing money well matters more than ever.
73.2%
Employment ratio
Of working-age adults, NBS Q1 2024
4.9%
Unemployment rate
NBS Q4 2024 (rebased)
10.9%
Underemployment
NBS Q1 2024
₦70k
Monthly minimum wage
Effective 2024
Wages, inflation & unemployment since 2010
The minimum wage has stepped up three times since 2010, while inflation has stayed high, quietly eroding what each naira buys. Hover the chart to read any year.
Minimum wage (₦, left)Inflation rate (%, right)Unemployment rate (%, right)
Figures from the National Bureau of Statistics (NBS), via Nairametrics. Since 2023 the unemployment rate uses an ILO-aligned method that counts anyone working at least one hour a week as employed, so the current ~4.9% is not comparable to the pre-2023 figures (which peaked near 33%). The employment ratio is the share of working-age adults in a job (73.2%, Q1 2024). The national minimum wage rose from ₦7,500 (2010) to ₦18,000 (2011), ₦30,000 (2019) and ₦70,000 (2024). Inflation is the approximate annual average; 2025-2026 are estimates.
Savings
How to Build an Emergency Fund on a Nigerian Salary
An emergency fund is the difference between a setback and a crisis. Here is a realistic way to build one, even when prices keep climbing and income feels stretched.
18 June 2026·6 min read
Personal Finance
You Have Five Banking Apps and a Headache. Let's Talk.
GTBank for salary, Opay for transfers, Kuda for savings, and two more you genuinely forgot the password to. Your phone has become a financial group chat nobody muted.
14 June 2026·4 min read
Personal Finance
Why Nigerians Need a Unified View of Their Money
Most Nigerians use three or more bank accounts. Without a single dashboard, it's nearly impossible to know where your naira actually goes each month.
12 June 2026·5 min read
Budgeting
Budgeting Methods That Actually Work for Irregular Income
Freelancers, traders, and side-hustlers rarely earn the same amount twice. These budgeting methods are built for months that swing high and low.
9 June 2026·5 min read
Money Tips
5 Signs You Need a Personal Finance App in 2026
Still tracking expenses in your head or a WhatsApp note? Here are five clear signals that it's time for a smarter approach to managing your naira.
5 June 2026·4 min read
Technology
How AI Is Changing Money Management in Nigeria
From smart categorisation to personalised savings nudges, artificial intelligence is making personal finance accessible to millions of Nigerians for the first time.
28 May 2026·6 min read
Security
Keeping Your Money Safe: A Security Checklist for Digital Banking
Mobile banking put your accounts in your pocket and the same in a fraudster's reach. A few habits keep you firmly on the safe side.
22 May 2026·5 min read