Your salary might say ₦500,000. But rent, transport, your future, and everything else have already made promises on that money. Find out what's really left.
✓ Not another expense tracker. A clearer spending decision.
A ₦500,000 income might really look like...
Already allocated₦480,000
Really left₦20,000
Illustration only. Your numbers will be personal to you.
The RealLeft Method by Temitayo Diadem Adegoke
✳
START WITH CLARITY
Make your money make sense.
You need no email, bank connection or phone number. Your plan stays with you.
or
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Know the trade-off: Your vault is encrypted and stored in this browser, not our server. It won't automatically appear on other devices. Remember your password and download a backup.
THE REALLEFT METHOD
Four steps to financial breathing room.
R
Recognise
Start with the income you can genuinely use.
E
Equalise
Turn every daily, monthly and yearly cost into one view.
A
Allocate
Fund obligations, future bills, saving and lifestyle plans.
L
Live
Enjoy the money that's truly yours to spend.
YOUR PERSONAL MONEY STUDIO
Know your RealLeft.
Let's give every naira a job before spending what's left.
● Private vault
Teaching example. These are fictional figures and transactions, not your money.
Your money stays on this device.Checking offline readiness…
You have reminders to complete.
Your check-in is due. Open your reminders to mark it done.
Your monthly plan is not cash in hand. Start with money you have actually received.
Tracked cash—
Protected funds—
Still committed—
Extra buffer—
Unreceived salaries and invoices do not count here.
How this estimate works
Tracked cash − protected money − commitments not yet funded − your extra buffer. Include all cash and savings pots you are counting in the total. Protected money is already inside that total; never enter it again as an unfunded commitment. This is based on your records, not a bank connection or a guarantee.
YOUR NEXT GOOD MONEY MOVE
A little clarity, every payday.
YOUR REALLEFT • MONTHLYSet up your plan
₦0
After everything you've intentionally allocated, this is your unassigned spending room.
Committed income0%Including saving and planned lifestyle
01 — THE MONEY COMING IN
Start with usable income.
Only count money you can realistically use for your personal life.
Use your take-home pay after taxes and deductions, not gross salary.
Income source
Amount
How often?
Remove
Optional for stable earners. Useful when income fluctuates.
₦
Your budget is calculated using the lower of normalised income and your chosen floor.
02 — YOUR MONEY'S PROMISES
Make hidden expenses visible.
Add rent, food, family, transport, savings, giving and anything else. Choose how often you pay.
Allocation
Amount
Frequency
Group
Remove
Essentials₦0
Future & protection₦0
Planned lifestyle₦0
Annual bill reality: ₦2.4m rent means ₦200k/month when you have 12 months to prepare. If the payment is due sooner and you have not saved towards it, turn on due-date catch-up for that item.
05 — STAY ON COURSE
Small reminders. Better money habits.
Remind yourself to track, document, save or review your plan. No email or phone number needed.
◴
✓ Track spending✓ Document a transaction✓ Set money aside✓ Review your plan
How alerts work: reminders appear as due whenever you open RealLeft. For phone notifications even when this site is closed, use Add to calendar and import the downloaded event to your phone calendar. Monthly reminders on the 29th–31st skip months without that date. Calendar export shares the event title with the calendar app you choose; no financial figures are included automatically. These reminders do not transfer or save money for you.
Your reminders 0Nothing due
No reminders yet. Add one to build your financial routine.
THE PAYDAY RESET
Give your new money a plan.
For a salary, a freelance payment or a personal owner draw. Record what has actually happened; RealLeft does not move money.
Your past transactions and monthly reviews are not erased by a payday reset. A cash check-in replaces the current balance estimate; it is not extra income.
BIG BILLS & SAVINGS COUNTDOWN
A deadline changes the maths.
Plan for rent, school fees, insurance or a personal goal using what is already saved and the contributions still possible.
＋ Add a big bill or savings target
Monthly contribution dates clamp to the last day of short months. A recorded contribution advances the remaining schedule; the monthly budget changes only when you explicitly update it.
REALLEFT REALITY CHECK
Before you say yes, see the cost.
Combine changes, compare the outcome, and save a scenario. Testing never changes your actual plan or moves money.
YOUR ACTUAL MONEY ACTIVITY
Record once. Update the full picture.
Income, spending, money set aside and releases from reserves. These private records feed RealLeft Now and your monthly review.
Recorded activity
THE MONTHLY MONEY REVIEW
Learn from the month you lived.
Compare the plan with recorded income, spending and amounts genuinely set aside. Missing records are not evidence of savings.
Allocation
Planned
Used / funded
Difference
Next month
Used / funded = spending from unprotected money + money set aside − reserves released. Payments from already-protected funds are shown in total spending, but excluded here to avoid counting the same provision twice. Positive differences are not verified bank savings.
RealLeft is a planning tool, not a bank account or a guarantee of affordability. Revisit estimates, account for cash timing and treat essential spending and high-interest debt responsibly.
REALLEFT VOICE
Help shape what RealLeft becomes.
Tell us what has worked, what is missing, or what you wish the app could do. Your ideas can help shape future releases.
01Real experiences
How has RealLeft changed your money decisions?
02Features you want
Which missing tool would make this more useful?
03How it should work
Describe the ideal experience in your own words.
✳ Your budget is never attached. Only what you type in this optional form will be submitted and retained on our server. Please don't include financial account details, passwords, your exact income, or identifying information. Technical access logs may still be generated by your hosting provider.