The Money Wit · Financial Planning Tool

Stop tracking where your money went. Start telling your money where to go.

An expert-grade personal wealth system for professionals who are done winging it. It maps your income, optimises your spending, and connects your monthly cash flow directly to your long-term net worth growth. Designed by a CFA Charterholder with almost 20 years in global markets; this is not a budget template.

NGN 7,000 one-time · instant Google Sheet access
Get instant access (NGN) → Pay in USD →

Walkthrough video included · Works on phone, tablet and laptop

Preview of The Money Wit Financial Planning Tool dashboard
Why you need this

The problem is not your income. It is structure.

In an economy defined by rising costs, shifting interest rates and shrinking salary value, managing your finances on guesswork is no longer an option. High-earning professionals across Nigeria are cash-flow positive on paper and still not building wealth.

Fix the structure → NGN 6,999

One-time payment · NGN 6,999

The Money Wit Financial Planning Tool shown as a Google Sheet system
The solution

A complete planning framework, not another spreadsheet

The Financial Planning Tool replaces erratic discipline with an automated financial structure. You enter your income streams, spending, assets and liabilities once. The system turns them into the numbers that actually drive decisions: your real required savings figure, your full net worth position, your year-on-year trend and your projected year-end net worth.

  • You input: income streams, expenses, savings, investments, assets and liabilities.
  • You get out: required savings number, net worth position and gap, year-on-year trend, modelled year-end net worth and a recommended bank account structure.
  • You decide with numbers instead of guesses every month.
Start planning →
What is inside the system

One clear picture.

01

Income Stream Tracker

See exactly how much of your money is working for you versus how much depends on you showing up every day.

Know which naira are earned and which are owned.

02

Year-on-Year Comparison Dashboard

Your numbers laid out side by side so the trend is impossible to ignore.

Progress becomes measurable, not a feeling.

03

Real Savings Number Calculator

The actual number your plan requires not a round figure you hope to hit.

One target to hit each month, backed by maths.

04

Full Net Worth Tracker

Assets, liabilities and the gap between where you are and where you need to be.

The single number that tells you if you are winning.

05

Wealth Goal Modeller

Input your return and see what your net worth should look like by year-end.

Test decisions before you make them.

06

Bank Account Structure Audit

The exact account structure your finances should be sitting in.

Structure that keeps discipline automatic.

Get access immediately →

Instant digital access after purchase

How it works

Set up in one sitting.

  1. 01

    Get instant access

    Buy once and receive the Google Sheet immediately. No shipping, no waiting.

  2. 02

    Watch the walkthrough

    A guided video takes you through the system. Setup is straightforward, even if finance is not your field.

  3. 03

    Enter your numbers

    Add your income streams, spending, assets and liabilities in one place.

  4. 04

    Model and act

    See your real savings number, your net worth gap and your year-end target then run your money to the plan.

Get started today →
The transformation

From winging it to running a system.

Before

  • Money managed on guesswork
  • Numbers scattered across apps and accounts
  • Saving whatever happens to be left
  • Net worth you cannot state from memory
  • Erratic discipline

After

  • An automated financial structure
  • One system holding income, spending, assets and liabilities
  • A required savings number, calculated
  • Net worth tracked and compared year on year
  • Monthly cash flow connected to long-term growth
Take control of your finances →
Who it is for

Built for professionals who are done winging it.

You do not need to be good with money to use this. You need to be ready to put your finances in order.

The offer

The Money Wit Financial Planning Tool

  • ✓ Your planning system
  • ✓ Delivered as a Google Sheet — instant digital access after purchase
  • ✓ Walkthrough video included
  • ✓ Works on phone, tablet and laptop
  • ✓ No shipping, no waiting, no special software

One-time payment

NGN 6,999

USD checkout also available.

Get the tool (NGN) → Pay in USD →
Why The Money Wit

Designed by a CFA Charterholder with almost 20 years in global markets.

The Money Wit is an expert financial education ecosystem for individuals and organisations. This tool applies the same discipline used in professional markets to personal finances which is why it is a planning framework rather than a budget template.

CFA
Charterholder-designed
~20 yrs
In global markets
What our users said
"
I finally understood what my money was actually doing. The net worth section showed me gaps I did not even know existed and gave me a clear path to fix them.
Adaeze M. Marketing Manager, Lagos
"
I have tried so many budget apps. This is the first tool that made me feel like I had a real financial plan not just a spreadsheet.
Tunde A. Engineer, Abuja
"
The walkthrough video made setup so easy. I had my full plan done in one sitting.
Chisom N. HR Professional, Lagos
Frequently asked questions
Start your financial plan →

Your money deserves a plan.

The professionals who build wealth in Africa are not the ones who earn the most. They are the ones with the best structure. You do not need everything figured out before you start you need a clear picture of where you stand and a practical way to plan your next move. This is your best structure. Get it today.

NGN 6,999

One-time · Google Sheet · Instant access · Walkthrough video included

Get the Financial Planning Tool (NGN) → Pay in USD →
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