Main site

A little structure. A lot more life.

Every naira planned.
More life to live.

Save for tomorrow. Make space for today.
Meet the money plan that grows around you.

Download foriPhone Download forAndroid
Muulr’s mobile app showing a cycle balance, spending, and a personal budget plan
First, a little for your future20% set aside
For the little joysThere’s a wallet for that.
A look inside Muulr · Example app balances
Savings first Purposeful wallets Flexible cycles Real life, considered
A clearer picture. A calmer you.

Make room for the things
that make life, life.

One simple plan for your needs, your wants, and your next chapter.

Your whole money life.
A little more together.

See what comes in, what goes out, and what’s yours to use. Muulr turns the moving parts into a plan you can actually live with.

Get Muulr on your phone
Close-up of Muulr’s cycle income and spending dashboard
Less “where did it go?”
More “I’ve got this.”
01 / YOUR EVERYDAY

For the bills.
And the little thrills.

Give every part of your life its own wallet. See what’s available before the next spend.

Home sweet homeRent & bills
Good food, good moodEveryday essentials
A little enjoymentBecause life is for living
02 / YOUR TOMORROW

Big plans start
with a little set aside.

Pick a savings percentage. Put future you first, then split the rest between your wallets.

20%FOR FUTURE YOU
The big plans
The just-in-cases
A plan you can play with

What could your
money make room for?

Move the sliders. See the possibilities.

A little less guesswork

Meet your money’s
new game plan.

Give it a try. Choose an income, set your savings, and watch every naira find its place.

₦300,000.00
20%
A little goes a long waySave first. Always.
Get Muulr on your phone

An example split. Your real plan can have different wallets and percentages.

Your money, organised.LIVE DEMO
Future you gets the first share₦60,000.00
20%
Then, a wallet for everything else% of the rest
Rent₦84,000.00
35%
Food₦60,000.00
25%
Transport₦36,000.00
15%
Family Support₦36,000.00
15%
Entertainment₦24,000.00
10%
Every naira accounted for₦300,000.00
However you earn it

Your life has a rhythm.
Your money can, too.

Make this payday feel good. And the day before the next one.

Give the bills their share, put something aside, and know exactly what’s left for the everyday. Your next payday deserves a calmer lead-up.

The payday planner
A little clarity

Good questions.
Straight answers.

What is Muulr?

Muulr is a personal budgeting app. It helps you plan your income, put savings first, and track spending across wallets for rent, food, family, and everything else that makes up your life.

Does Muulr hold or move my money?

No. Muulr is a budgeting and tracking app, not a bank. Wallets and savings represent your plan. The current beta uses simulated banking flows and does not hold or transfer real funds, or pay interest.

Can I use it with an irregular income?

Yes. Record income whenever it arrives, then split it into a new or existing cycle. Your plan can follow a salary, freelance projects, a side business, or a mix of all three.

Can my plan change when life changes?

Absolutely. You choose your savings percentage and wallet allocations. Changes to your plan apply to future splits. You can also move available money between wallets as your priorities change.