Backdur.
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Backdur is a financial management app built to partner with you as you grow your finances. It is financial education built into a system that works for you.
What Backdur does
You tell Backdur what you earn and what you pay for: salary, rent, school fees, DSTV, wifi/data, the dollar subscriptions, what you send home. It then shows you how much money you’ll have on every day of the month, before the day comes, so you always know what’s safe to spend. It helps you decide how much of each payment goes to bills, savings, investments and giving, tells you whether you can afford something before you buy it, and shows how long your savings and investments will take to grow. In short, it does what a personal finance manager would do for you: it keeps this month under control, and builds your wealth over the years.
The main features
Manage
Know where every naira is going.
- Your month, ahead of time
- A calendar with your balance on every day: salary in, bills out, what’s left on the 23rd.
- Safe to spend
- One number: what you can spend today and still cover everything due before your next income.
- Every payment in one place
- Rent once a year, school fees each term, the gym every six months. Dollar, pound and euro bills shown in naira at today’s rate.
Plan
Decide before the money moves.
- Your split
- Share each salary your way, using 50/30/20, “pay yourself first” or your own split, and see how each part is doing as the month goes.
- Can I afford it?
- Check a phone, a trip or a laptop against your real month, and see the day you can buy it without running short.
- Savings plans
- Put a set amount towards a goal on a set day: rent, an emergency fund, a wedding.
Grow
Turn what’s left into wealth.
- Investments
- Add your Cowrywise, PiggyVest, Bamboo or Risevest plans and see when your money doubles, using the rule of 72.
- Net worth
- What you have, what’s set aside and what’s invested, added up in one figure you can watch rise.
- A path to independence Coming soon
- Five steps, from knowing where your money goes to living off what it earns, with your next step always clear.
Backdur never holds or moves your money. It isn’t a bank. Bank linking, when it arrives, is read-only through Mono, a licensed open-banking provider. Your data is never sold, and you can export or delete it any time.