Your Time
Well Spent
Stop asking "Can I afford this?" Start asking "How many hours of my life will this cost me?"
Transform every purchase decision with time-conscious spending.
Smart Spenders
Money Saved
Hours Valued
Everything you need to spend smarter
Powerful features designed to transform your relationship with money and time
Time-Value Calculator
See every purchase in work hours. Know exactly how much of your life each expense costs.
Smart Expense Tracking
Automatically categorize spending into Impulse Spending, Black Tax, and other relatable categories.
Investment Alternatives
See what your money could become if invested instead of spent on impulse purchases.
Financial Wellness
Build better money habits with gamified goals, achievements, and progress tracking.
Mobile-First Design
Seamless experience across all devices with real-time sync and offline capabilities.
Advanced Analytics
Deep insights into your spending patterns, time allocation, and financial growth.
How TimeWorth transforms your spending
From mindless spending to intentional financial decisions in 4 simple steps
Download & Set Up
Get TimeWorth from the App Store or Google Play. Set your hourly rate in under 2 minutes.
Connect your bank accounts securely with 256-bit encryption
Track Your Spending
Every expense is automatically converted to work hours. See the true cost of your purchases.
Smart categorization into Impulse Spending, Black Tax, and more
Get Smart Insights
Discover your spending patterns and see investment alternatives for every purchase.
AI-powered recommendations based on your financial goals
Make Better Decisions
Use time-conscious insights to align spending with your values and long-term goals.
Gamified achievements to keep you motivated
Purchase Analysis
Join thousands of smart spenders
See how TimeWorth is helping Nigerians make better financial decisions every day
TimeWorth completely changed how I think about money. Seeing that ₦15,000 dinner as '6 hours of work' made me reconsider. I've saved over ₦500,000 in 3 months!
Adebayo Johnson
Software Engineer
Flutterwave
The Black Tax category is genius! Finally, an app that understands Nigerian financial realities. I can now budget better for family responsibilities.
Funmi Adebisi
Marketing Manager
Paystack
I used to spend ₦50,000 weekly on impulse purchases. TimeWorth's time calculator showed me I was working 2 full days just for random stuff. Game changer!
Chidi Okafor
Entrepreneur
TechPoint Africa
The investment alternatives feature is brilliant. Instead of buying that ₦200,000 bag, I invested it. It's now worth ₦280,000 after 6 months!
Kemi Ogundimu
Product Designer
Interswitch
Ready to spend smarter?
Join over 50,000 Nigerians who have transformed their financial decisions with TimeWorth. Start your journey to intentional spending today.