Guide
One headline, each wallet in its currency
Keep each mobile money wallet in the currency it uses. Add them only after you convert, and label the rate. MTN MoMo, M-Pesa, OPay, Airtel Money, and Wave can all sit on one net worth without becoming one blended balance.
Last reviewed October 20, 2026 by Francis Eshun, Founder of Iron Wealth. He built the on-device tracker these pages describe. Iron Labs.
What does a three-wallet total look like?
MoMo holds 1,800 GHS, M-Pesa holds 12,000 KES, and OPay holds 85,000 NGN. Do not add 1,800 + 12,000 + 85,000. At example rates of 12 KES per GHS and 100 NGN per GHS, the shillings are 1,000 GHS and the naira is 850 GHS. The headline is 1,800 + 1,000 + 850 = 3,650 GHS. The wallets stay in their own currencies. Those rates are examples, not live quotes.
Why not one cash bucket?
A single cash number hides which wallet can actually pay for school fees or a transfer. Fees and failed cash-outs hit one operator, not the blend.
What about a dollar salary next to the wallets?
Leave the salary in dollars. The headline converts it. The account does not. That is the same rule as a remittance: both sides stay visible.
Questions
- Does Iron Wealth connect to MoMo, M-Pesa, OPay, Airtel Money, or Wave?
- No. You add each wallet and update the balance. There is no operator login.
- Can the headline be in naira instead of cedis?
- Yes. Pick the currency you think in. Convert the other wallets into that currency.
Add the wallets you already use. Download Iron Wealth and keep each one in its real currency.
