You work hard. You earn money. But by mid-month, the balance is gone and you’re left wondering, “Where did it all go?” If that sounds familiar, you’re not alone. Across Africa, millions of young people – whether salaried, self-employed, or hustling on multiple fronts are struggling to turn income into impact. The cost of living is high. Family obligations are real. And despite your best efforts, saving, planning, or building wealth often feels out of reach.
Silio is here to change that.
Founded by Victor Haruna-Francis, a seasoned tech product leader, Silio is a new personal finance and life-planning app built for the realities of life in emerging markets like Nigeria. But unlike other apps that just show you how much you’ve spent, Silio helps you align your money with your goals, so what you earn moves you closer to your dreams.
“Silio is where money meets meaning,” says Haruna-Francis. “It’s not just about budgeting – it’s about building the life you want with the money you have.”
Unlike typical budgeting tools, Silio is designed around real human behaviour, not just numbers. It helps users set meaningful goals like starting a business or moving out, and keeps them on track with smart nudges and progress check-ins. By applying behavioural finance, data insights, and light AI, Silio learns how users actually manage money and delivers timely prompts to guide better habits over time – all while keeping user data private, secure, and never shared with third parties.
Here’s what makes Silio different:
- Built for real life: Whether you earn daily, weekly, or monthly, Silio adjusts to your income pattern – no judgment, just structure.
- Goals-first design: From “start my business” to “move out of my parents’ house,” you set life goals, and Silio helps you build the financial habits to reach them.
- Gentle discipline: With friendly reminders and progress nudges, it keeps you on track without overwhelming you.
- Made in Africa with a global mindset: Silio was proudly built in Nigeria to solve challenges familiar across emerging markets, from inconsistent income to weak savings habits. Its mission starts here, but its impact is designed to go far.
Whether you’re a fresh graduate navigating your first job or an entrepreneur trying to reinvest wisely, Silio gives you the tools to take control. No more impulsive spending. No more broke days. Just intentional money moves and a clearer path to the life you want.
“When young people become financially disciplined, it doesn’t just change their future – it lifts families, communities, and economies,” Haruna-Francis adds.
Ready to stop guessing and start growing? Take control of your money, your habits, and your future. Download Silio today and make every penny count.
Visit http://thesilioapp.com for more info.
