How it works

We put real money in, and show you exactly what comes back.

Advertised rates are marketing. MoneyRadar exists to replace them with measured, dated, independent numbers — across savings, mutual funds, dollar plans and more — so you can decide on evidence, not promises.

The claim
20.0%
advertised “up to” rate

A headline number, chosen by marketing, that almost nobody actually receives once fees, accrual timing and rate cuts are in play.

→
The receipts
16.8%
measured on a real ₦50,000

What the money genuinely earned, screenshotted and dated. This is the only number we rank on.

The method

Four steps, repeated forever

01
We open an account and deposit real money
Not a demo, not a press kit. The founder opens a genuine account on each app and funds a specific plan with real naira — the same standardised amount across comparable plans.
02
We screenshot the balance on a fixed schedule
Every balance is captured on a fixed schedule and filed with a date stamp. The receipts are the product — nothing is taken from the app's own marketing.
03
We annualise and normalise
Each plan's growth is converted to an annual rate and normalised, so a vault opened in January ranks fairly against a fund opened in May — and savings can be compared to investments on the same basis.
04
We publish, and keep tracking
The measured number goes live on the board next to the advertised one. It updates as we log each balance, so what you see is always the latest verified figure — never a stale launch-day promise.
What we track

Every plan, across every kind of money app.

A single app can run a flexible wallet, a locked vault and a mutual fund — each with its own real return. We track them as separate plans, so “which app” becomes the more useful question: which plan, paying what, with which trade-offs.

See the live board ›
Banking0 appsSavings1 appsInvestment1 appsCrypto0 appsTransfers0 appsLending0 apps
Independence

How we stay honest

No app pays for placement
Rank is earned by measured performance alone. It cannot be bought — that's the entire point of the board.
Affiliate links are labelled
We may earn a commission when you open an app through us. It never changes rank, scores or our written take, and it's always disclosed.
Licensing is dated, not promised
We show regulatory status as last verified on a date — never as a guarantee of safety. Always confirm in-app before depositing.
Our own money is on the line
Every tracked figure comes from the founder's real deposits. We eat our own cooking.
Start deciding

Find the app — and plan — that actually delivers

Compare measured returns and read honest takes. No listicles, no hype.

Browse apps ›
See the competition

Watch the money battle, live

Every tracked plan ranked by what ₦50,000 actually became — risk-labelled and updated daily.

Open the Leagues ›