How ApoShaShaMura works
- 1
Set your monthly target
Decide how much you want to earn this month, in your own currency. Change it any time, or carry last month's target forward with one tap.
- 2
Record income as it comes in
Salary, client payments, side-hustle sales, gifts — add the amount, the date and who paid you. It takes seconds.
- 3
Log what you spend
Rent, food, transport, airtime, family support — add the amount, who you paid and a category. Categories are yours to re-use, rename or add to.
- 4
See what's left in your pocket
Your dashboard shows income minus expenses, where your money went by category, and how close you are to your income target.
“ApoShaShaMura o gbẹ ri”
A Yoruba saying that roughly means “your pocket will never run dry.” It's a blessing and a plan: when your income always stays ahead of your expenses, your pocket stays full. ApoShaShaMura helps you live it — starting with a clear monthly income goal and an honest view of how close you are.
Built for salary earners, freelancers and side hustlers
Monthly income targets
One clear goal per month, with a progress bar that fills from red to green.
Every payment in one place
Record amount, date, who paid you and optional notes. Edit or delete anytime.
Expense tracking
Log what you spend with re-usable categories, and see what's left in your pocket each month.
Where your money went
Spending by category, largest first, so you can see what to cut back on.
Any currency
Naira, cedi, pound, dollar, euro and more. Pick yours when you start.
Private by design
Only you can see your amounts. Not even our admins can read them.
Works like an app
Install it on your phone's home screen and view your dashboard even offline.
Sign in with Google
No new password to remember. Free to use.
Frequently asked questions
What does “ApoShaShaMura” mean?
It comes from the Yoruba saying “ApoShaShaMura o gbẹ ri”, which roughly means “your pocket will never run dry”. The idea is simple: your income should always be more than your expenses. The app helps you make that true, one month at a time.
What is ApoShaShaMura?
ApoShaShaMura is a free personal income and expense tracker. You set a monthly income target, record the money you receive and the money you spend, and the dashboard shows what's left in your pocket, where your money went, and how much is remaining to reach your target.
Is ApoShaShaMura free?
Yes. ApoShaShaMura is free to use. You sign in with your Google account — there is nothing to pay and no card required.
Who can see my income and expenses?
Only you. Each person can only read and change their own records, and this is enforced by the database itself. Administrators can see account details such as your name and sign-up date, but not your amounts, who paid you, who you paid, your categories or your notes.
Which currencies are supported?
Almost every currency, including the Nigerian naira (₦), Ghanaian cedi, Kenyan shilling, South African rand, US dollar, British pound and euro. You choose your currency when you sign up.
Does ApoShaShaMura track expenses?
Yes. Record each expense with the amount, date, who you paid and a category. You start with common categories like food, transport, rent, airtime and family support, and can add, rename or hide your own. The dashboard shows income minus expenses (what's left in your pocket) and your spending by category.
Can I use it on my phone?
Yes. ApoShaShaMura works in any modern browser and can be installed on Android and iPhone home screens like an app. Pages you've opened stay viewable offline.
Is it connected to my bank?
No. ApoShaShaMura never connects to your bank or moves money. You record income and expenses yourself, so you stay in full control of what is saved.
Start this month with a target
It takes less than a minute to set up. Your pocket will thank you.