Loading SpendMana...

S p e n d M a n a

Know where your money dey go
Warming up your financial cockpit...

{{ authMode === 'login' ? 'Welcome back!' : (authMode === 'register' ? 'Create an account' : 'Reset password') }}

{{ authMode === 'login' ? "Track your income, expenses and savings." : (authMode === 'register' ? "Track your income, expenses and savings." : "Enter your email to receive recovery instructions.") }}

🔐

Enter the 6-digit PIN sent to your email.

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Forgot your password?
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{{ authError }}
A recovery PIN has been sent to your email.
{{ authError }}

🔒 Secured with AES-256 encryption

Brand Icon
{{ siteName }} Live
{{ userInitials }}
{{ user.name || user.email }}
⚠️
Please verify your email address
Confirm your address ({{ user . email }}) to fully secure your {{ siteName }} account.
⚡
Log spending or earnings in 2 seconds on Telegram
Send plain messages like 5k shawarma or 20k salary directly to your bot.
🔥
{{ gamification.streaks.daily_logging?.current_streak || 0 }}
day streak
🏆 {{ gamification.streaks.daily_logging?.best_streak || 0 }} best
🛡️ {{ gamification.streaks.daily_logging?.freezes_available || 0 }} freeze

Dashboard

Know where your money goes

Total Balance
{{ summary . net_worth >= 0 ? '' : '-' }}₦{{ displayMoney(Math . abs(summary . net_worth)) }}
Total Balance
Income (Money In)
₦{{ displayMoney(summary . income) }}
Salary, Gifts, Gigs
Expenses (Outflows)
₦{{ displayMoney(summary . expense) }}
Food, Fuel, Fun etc.
Savings
₦{{ displayMoney(summary . savings) }}
Savings, Treasury Bills, etc.
Investments
₦{{ displayMoney(summary . investment) }}
Stocks, Bonds, Crypto etc.
Finance Summary
Summary distribution of all income, expenses, savings, and investments
💰 Income {{ summary . percentages ? summary . percentages . income : 0 }}% 🛒 Spent {{ summary . percentages ? summary . percentages . expense : 0 }}% 🏦 Savings {{ summary . percentages ? summary . percentages . savings : 0 }}% 📈 Invested {{ summary . percentages ? summary . percentages . investment : 0 }}%
Income
₦{{ displayMoney(summary . income) }}
{{ summary . percentages ? summary . percentages . income : 0 }}% volume
Expenses
₦{{ displayMoney(summary . expense) }}
{{ summary . percentages ? summary . percentages . expense : 0 }}% volume
Savings
₦{{ displayMoney(summary . savings) }}
{{ summary . percentages ? summary . percentages . savings : 0 }}% volume
Investments
₦{{ displayMoney(summary . investment) }}
{{ summary . percentages ? summary . percentages . investment : 0 }}% volume
🔥
{{ gamification.streaks.daily_logging?.current_streak || 0 }} Day Streak
Best: {{ gamification.streaks.daily_logging?.best_streak || 0 }} days · {{ gamification.streaks.daily_logging?.freezes_available || 0 }} freeze available
LVL {{ gamification.user?.level || 1 }} {{ gamification.user?.xp || 0 }} XP
Discipline Heat-Map (Past 60 Days) Active Today: {{ isLoggedToday ? '✓ Recorded' : 'Waiting for log' }}
📒
Financial Ledger & Records
{{ txMeta . total || 0 }} total entries logged · View category breakdowns, filter & export statements.
Achievements
Level {{ gamification.user?.level || 1 }} · {{ gamification.user?.xp || 0 }} Total XP
{{ ach.icon }}
{{ ach.name }} {{ ach.rarity }}
{{ ach.description }}
{{ ach.is_unlocked ? '✓ Unlocked' : ach.progress + ' / ' + ach.threshold }} +{{ ach.xp_reward }} XP
Smart Budget & Planning
Learns your habits · Never lectures
🛡️ Safe To Spend Today
₦{{ displayMoney(budgetPlanning.safe_to_spend_today || 0) }}
Calculated from your ₦{{ displayMoney(budgetPlanning.liquid_balance || 0) }} balance.
{{ budgetPlanning.personality.badge_icon }}
Your Financial Persona
{{ budgetPlanning.personality.archetype }}
{{ budgetPlanning.personality.description }}
🏺 Savings Pockets
Specific targets that fill up as you stash cash
{{ jar.name }}
Target: ₦{{ displayMoney(jar.target_amount) }} · Due {{ formatDate(jar.deadline) }}
{{ jar.icon }}
₦{{ displayMoney(jar.saved_amount) }}
{{ jar.progress_percent }}% filled
🏺
No Savings Pockets Yet
Set targets for "Detty December", "Rent 2027", or a new phone.
🎯 Weekly Discipline Challenges
Mini-games generated from your spending rhythm to boost XP & streaks
{{ ch.title }} +{{ ch.xp_reward }} XP
{{ ch.description }}
Progress: {{ ch.progress }} / {{ ch.target_value }} ✓ Done!
💬 Affordability Quick Check
Ask SpendMana if an upcoming purchase fits your current runway. No judgment, just honest reality.
🛑 💡 💬 SpendMana: {{ affordabilityResponse }}
Transactions
In ₦{{ displayMoney(summary . income) }}
Out ₦{{ displayMoney(summary . expense) }}
Sav ₦{{ displayMoney(summary . savings) }}
Inv ₦{{ displayMoney(summary . investment) }}
{{ txSearch ? '🔍' : '📭' }}
{{ txSearch ? 'No matching transactions' : 'Nothing logged yet' }}
{{ txSearch ? 'Try a different search term or clear the filter.' : 'Send a message to your Telegram bot or click Quick Log to get started.' }}
Page {{ txMeta . current_page }} of {{ txMeta . last_page }} · {{ txMeta . total }} records

Telegram Link & Recovery

Connected to Telegram ID: {{ user . telegram_id }} ({{ user . telegram_handle ? '@' + user . telegram_handle : 'no handle' }}).

Lost your Telegram phone or account?

Disconnect below. All financial logs and categories remain safely preserved in your Web profile.

Link your Telegram account to log expenses and check balances on the go with plain messages.

{{ linkCodeData . code }}

Click below or send /link {{ linkCodeData . code }} to {{ linkCodeData . bot_username }}

Open in Telegram →
Auto-detecting connection...

Account Settings & Preferences

Configure appearance, sound feedback, app updates, connected accounts, and security.

Telegram Bot Connection {{ (user && user.is_telegram_linked) ? '✓ Connected' : 'Not Connected' }}
Linked to Telegram ID: @{{ user.telegram_handle || user.telegram_id }}. You can log spending and query balances directly via chat messages.
Link your Telegram account to log expenses and check balances on the go with plain messages or voice notes.
🎨 Appearance
Pick light, dark, or follow your device's setting.
🔔 In-App Audio Sounds {{ soundEnabled ? 'ON' : 'OFF' }}
Play synthesized auditory feedback on button taps and transactions.
⚡ {{ siteName }} Updates Live
Fetch the latest release, clear client cache & reload.
Two-Factor Authentication (2FA)
Require a 6-digit PIN on every sign-in.
🔒 App Lock Security PIN / Biometrics
Protect app with a 4-digit PIN or device biometric sensor when opening.
Current Mode: {{ appLockConfig . biometrics ? 'Face ID / Fingerprint + PIN' : '4-Digit PIN' }}

Change Account Password

Update your password to keep your spend tracking account secure.

⚠️ Danger Zone

Permanently delete your account, all transactions and categories. We'll email you a 6-digit confirmation code first. This cannot be undone.

Enter the 6-digit code we sent to {{ user . email }}.

⚖️ Legal & Privacy
Policies, terms of service, and regulatory disclosures

⚡ Quick Manual Log

Record an entry directly into your {{ siteName }} ledger.

🛒
Expense
Outflow & living
💰
Income
Earnings & salary
🏦
Savings
Emergency fund
📈
Investment
Capital assets
📬

Verify Your Email

We sent a 6-digit confirmation code to
{{ user ? user . email : '' }}.

{{ verifySuccessMsg }}
{{ verifyError }}
💡

Suggestion box

Help us make {{ siteName }} better

What should we add, fix or change? Tell us straight. We read every suggestion.

We'll ask again next week. Need help with your account?
Settings →
🏺

Create Savings Pocket

{{ activeDepositJar?.icon || '🏺' }}

Deposit into {{ activeDepositJar?.name }}

🧠

What SpendMana Has Learned

Privacy-first · Fully auditable · You are in control
Full Pattern Learning Opt-Out
Stop inferring patterns, recurring bills, or anomalies.
Smart Telegram Bot Nudges
Quiet hours (10pm-7am Lagos), max 2/day.
📊 Identified Habits & Insights
{{ ins.icon }}
{{ ins.title }}: {{ ins.description }}
Keep logging! After a few days of entries, SpendMana will identify your peak spending days and recurring bills.
🏷️ Your Custom Word Mappings
"{{ m.keyword }}" → {{ m.category || m.bucket }} ({{ m.hits }}x)
No custom vocabulary taught yet. Teach the bot with: "shawarma is food".
Clear all cached associations and learned habits.
📜

{{ siteName }} Privacy Policy

Last Updated: October 18, 2026

Welcome to {{ siteName }}. This Privacy Policy explains how we collect, process, and analyze your transaction data when using our Web App and Telegram tools.

1. Information We Collect

We collect account credentials (name, email), Telegram identifiers, and financial transaction records (amounts, notes, custom categories, and receipt images).

2. AI Processing via Gemini

Transaction messages and receipt screenshots are processed through Google Gemini AI to extract transaction totals and categorize spending into your configured pillars.

3. Data Analytics & Targeted Recommendations

{{ siteName }} analyzes aggregated spending habits to serve tailored advertisements and relevant affiliate offers (savings accounts, fintech cards, investment funds).

Anonymization: All partner insights are completely anonymized and cohort-aggregated. Advertisers never receive your real name, email, or individual identity.

4. Governing Standards & Rights

You retain full rights to export your data or permanently delete your account anytime via Settings. Governed under the Nigeria Data Protection Act (NDPA).

{{ siteName }} Terms of Service

Last Updated: October 18, 2026

1. Acceptance & Eligibility

By creating an account or linking Telegram, you agree to these Terms. You must be at least 18 years old and provide accurate contact details.

2. Explicit Consent for Data Analysis & Ads

You grant {{ siteName }} consent to analyze, categorize, and aggregate your transaction records for the purpose of serving targeted advertisements and relevant affiliate recommendations.

3. Acceptable Use & Account Termination

You agree not to use {{ siteName }} for illicit purposes, scraping, or bot flooding. Accounts in breach of acceptable use or security policies may be terminated immediately.

4. Governing Law

These terms are governed exclusively by and construed under the laws of the Federal Republic of Nigeria.

{{ siteName }} Financial Disclaimer

Last Updated: October 18, 2026

⚠️ Tracking Tool Notice

{{ siteName }} is strictly a self-directed personal finance tracking and budgeting tool. {{ siteName }} is not a bank, financial institution, or licensed financial advisor.

No content or AI categorization on {{ siteName }} constitutes investment, legal, or tax advice. We do not hold customer funds or take deposits.

Third-Party Affiliate Offers

Any sponsored product or affiliate link shown on {{ siteName }} is a third-party product. Users must perform their own independent due diligence before investing or purchasing financial services.

{{ siteName }}

{{ siteName }} Locked

{{ appLockConfig . biometrics ? 'Enter PIN or use Face ID / Fingerprint' : 'Enter your PIN' }}

{{ appLockState . error }}

{{ pinSetupStep === 1 ? 'Create App Unlock PIN' : (pinSetupStep === 2 ? 'Confirm Your PIN' : 'Biometric Setup') }}

{{ pinSetupStep === 1 ? ('Choose a 4-digit PIN to securely unlock ' + siteName + ' whenever you open the app.') : (pinSetupStep === 2 ? 'Re-enter your 4-digit PIN to confirm.' : 'Enable Face ID or Fingerprint for instant unlocking.') }}

{{ pinSetupError }}
🪪

Enable Biometrics?

You can unlock {{ siteName }} in a fraction of a second using your device's Face ID, Touch ID, or fingerprint scanner.

🚀

Share Your Streak

Create an engaging card to share on your socials

Brand
{{ siteName }}
Logging streak

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Tracking with SpendMana spendmana.app
Format
Streak Count:
{{ streakShareCount }}
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Install {{ siteName }} APP

Install on your device for the full experience & speed.

Tap Share icon (square with arrow), then tap "Add to Home Screen".
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