Be honest. Do you actually know where your money goes every month? Like really know? Or do you just check your account on day 20, see a depressing number, and mumble “I don’t even know what I spent it on”?

You’re not alone. Most people are out here winging it, hoping for the best, and wondering why they’re always broke. They blame their salary (it’s too small), their expenses (they’re too high), or just bad luck. But here’s the uncomfortable truth: you can’t fix what you don’t measure.

That’s what this Money Audit Tool does. It forces you to sit down, look your finances in the face, and see exactly what’s going on. No hiding, no excuses, just facts.

Think of it as a financial health checkup. You go to the doctor to check your body, right? This checks your money health. And just like a health checkup, it might reveal some uncomfortable truths. But you need to know.

How to use this (it’s detailed but worth it):

The calculator is split into 4 sections. You’re going to fill them all out. Grab your bank statements, your mental notes, or just your best honest guess.

Section 1: Income

Enter your monthly salary. Don’t skip this part or put fake numbers. This only works if you’re honest with yourself. Nobody else sees this.

Got other income? Side hustle, freelance gigs, that thing you sell sometimes? Add it. Everything that comes in.

Section 2: Essential Expenses

This is the stuff you HAVE to pay to survive. Rent or housing. Utilities like NEPA, water, waste collection. Food and groceries. Transportation to work or wherever you need to go regularly.

Add up all of these. Don’t estimate low because you’re embarrassed. Reality is reality.

Section 3: Non-Essential Expenses

This is the fun stuff that you technically don’t need to survive but make life worth living. Entertainment (movies, hangouts, concerts). Eating out or ordering food. Shopping for clothes, gadgets, random stuff. Subscriptions (Netflix, Spotify, gym you don’t use, that random app charging you monthly).

This section is where most people get humbled. You think you’re spending 20k on enjoyment, then you add it up and it’s 80k. That’s fine. The point is to know.

Section 4: Savings & Investments

How much did you actually save this month? Put money in a separate account, invest in something, contribute to a cooperative? Write it down.

If it’s zero, write zero. Most months for most people, it’s zero. That’s exactly why we’re doing this audit.

Hit “Audit My Finances” and brace yourself.

What you get:

First, you see your Net Cash Flow. That’s income minus everything you spent and saved. If it’s positive (surplus), you’re living below your means. Good job. If it’s zero (break even), you’re surviving but one emergency away from trouble. If it’s negative (deficit), you’re in the danger zone. You’re spending more than you earn, which means debt is creeping in.

Next, the Financial Breakdown shows you where every naira is going. You’ll see your total income split across essential expenses, non-essential expenses, and savings. This is where patterns become obvious. “Wait, I spent 40% on non-essentials and only saved 2%? Omo.”

Then comes the Financial Health Score. A number from 0 to 100 rating how healthy your finances are. The calculator looks at your savings rate, your expense ratios, your cash flow, and gives you a score. Above 80 is excellent. 60-79 is good but needs work. Below 60 means changes are urgently needed.

Finally, you get personalized recommendations based on your actual numbers. Not generic advice, but specific things you should fix based on how you scored.

Why this hits different:

Most budgeting feels like homework. This feels like getting roasted by your most honest friend. It’s uncomfortable but necessary. You can’t lie to numbers. They just are what they are.

But here’s the thing: once you know where you’re bleeding money, you can stop the leak. Maybe you realize you’re spending 35k monthly on food delivery when cooking would save 20k. Maybe your subscriptions add up to 15k and you only use 2 of them. Maybe you’re saving nothing because you’re treating savings as “what’s left over” instead of a priority.

The real power move:

Do this audit monthly. First Saturday of every month, sit down for 20 minutes and fill this out. Track your score over time. Watch yourself improve. Watch your savings rate go from 5% to 10% to 20%. Watch your financial health score climb.

You can’t change what happened last month. But you can absolutely control what happens next month. This tool shows you exactly where to start.

Your friends might be out here winging it, staying broke, and complaining. You’re going to be the one who actually knows your numbers, makes strategic moves, and slowly but surely builds wealth.

That’s the difference between people who wish they had money and people who actually build it.

Start today. Audit your life.