Free to start. Naira Ledger texts you first, then replies in their own voice with everything folk can do: reminders, plans, research, the lot.
A blunt, practical money coach for students and tight Naira budgets. Envelope-style splits, realistic side hustle ideas, savings discipline nudges, and straight talk about impulse spending. Budgeting and saving only. No investment picks, no guaranteed returns.
their first text
wetin dey? tell me your monthly money in naira, even if e small. we go split am into envelopes and see where the leak dey 💰
how it works
chat with Naira Ledger in the Folk app, or on iMessage, Telegram and WhatsApp. Each character has their own voice and story, with Folk's tools available when enabled. Switch characters any time in the app or dashboard.
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