Know what your money should do next.
ALAL is a personal finance coach built for how money really moves in Africa. Your bank balance is not your spending money — ALAL subtracts everything already promised and shows you the one number that's truly yours: what it's safe to spend today.
Free to start · No bank login required · Works with cash and mobile money
Safe to spend
D6,240
until payday · D890/day pace
7
Currencies supported, starting with the Dalasi
4 min
To build your first Payday Plan
1 number
Safe to Spend — your daily truth
0
Bank logins or paperwork required
Payday plan
D30,000 in · every Dalasi assigned a job
Payday, handled
The day your money arrives is the day it gets a plan.
Salary, mobile money or cash — when income lands, ALAL helps you allocate it in minutes: rent and utilities, the loan, family support, savings, then what remains is genuinely free. Payday euphoria never turns into end-of-month panic.
- Rent, utilities and instalments locked first
- Savings and emergency fund moved before you can spend them
- What remains is your Safe to Spend — spend it without guilt
Earn → Allocate → Spend → Review → Save → Invest → Grow
One loop, repeated every month. ALAL walks it with you.
Payday Plan
Your money just arrived. Give every Dalasi a job before it disappears.
Safe to Spend
A single daily number so you never have to do the maths in a shop.
Ask ALAL
"Can I afford a D18,000 phone?" — answered with your real numbers.
Safety net first
Emergency fund tracked in months of essentials covered, not vague targets.
Weekly & monthly review
Calm reports that show what worked, never a lecture about your spending.
Invest when ready
A readiness score, not hype. You invest once the foundation is solid.
From surviving to growing
A safety net first. Growth after.
ALAL tracks your emergency fund in months of essentials covered, pays down debt with a strategy you choose, and only nudges you toward investing once the foundation is solid. No hype — just a readiness score.
"For the first time, the week before payday feels exactly like the week after. Calm."
Emergency fund
3.2 months of essentials covered
Money is a family conversation
Plan together. Grow together.
Shared goals, family support tracking and calm weekly reviews — so everyone at the table knows where the money is going and why.
Start your family's planSimple pricing, in Dalasi
Start free. Upgrade when the plan starts paying for itself.
Every Dalasi deserves a job.
Set up your plan in about four minutes. No bank connection, no judgement.
Made with pride in Banjul, The Gambia