You planned it. Then spent past it.
You had a plan on payday. By week two the plan is in your head and the money is everywhere else.
Live on Google Play
Plan your money. Spend from the plan.
Wisemonie assigns every naira to a purpose before you spend it. Rent stays rent. Family stays family. No willpower required.
Create a plan. Fund it. Spend only from what you assigned.
WisemonieSat 9:00amYour 'Parents' envelope just released ₦5,000. Ready to send.
WHY WISEMONIE
You know where your money should go. The problem is keeping it there.
You have a plan.Rent, family, tithe, savings. You know the split. That part isn't hard.
Your bank account doesn't. One balance, no separation. Every spend chips away at everything at once.
That gap is the whole problem. Wisemonie closes it.
THE PROBLEM
Your plan exists. Your account ignores it.
Ten commitments, one balance, zero separation. You know what each naira is for — your account doesn't.
- Rent ₦80K
- Tithe ₦25K
- Family ₦20K
- Debt ₦15K
- Left to live ₦60K
₦140K is already spoken for before the week starts. Only ₦60K is actually yours.
One balance hides ten commitments.
Your bank shows ₦85K. But ₦40K is rent, ₦15K is tithe, ₦10K is family. The number lies about what's actually available.
Good intentions with no guardrails.
You meant to set aside ₦5K for mum every week. Nothing stopped you from spending it on something else first.
Guilt replaces every spending decision.
Can I afford this lunch? Should I go out tonight? Every purchase triggers a mental audit because nothing is pre-decided.
What if your spending could only happen inside your plan?
That's exactly what Wisemonie does.
THE SOLUTION
Assign money to your plan. Spend only from what you assigned.
Every commitment gets its own envelope with real money in it. You spend from the envelope, not from a shared pool. Your plan and your spending stay in sync.
Every naira has a job before you spend it.
Lunch money is lunch money. It can't accidentally become transport or data. Your plan holds.
Commitments are funded, not remembered.
Tithe, offering, family support — each sits in its own envelope, protected until the moment it's needed.
Spending guilt disappears.
When money is pre-assigned, every purchase is a yes-or-no against your own plan. No mental maths, no second-guessing.
Your plan survives the whole month.
Not just payday week. Week two, three, four — the structure holds because the money is already separated.
Live allocation
TransportNGN 0
FoodNGN 0
BillsNGN 0
FEATURES
The tools that keep your plan and your spending aligned.
Envelopes, release schedules, spending rules, and real-time visibility — each feature closes the gap between intention and action.
Smart Envelopes
One envelope per commitment: rent, food, tithe, family, fun. Each holds real money, kept separate from everything else.
Scheduled Releases
Each envelope opens on a day and time you choose. Transport at 7am weekdays, offering Sunday morning, date night Friday evening. Your plan runs on a clock.
Essential-First Allocation
Non-negotiables like rent, tithe, and savings are funded first. Whatever remains is flex money you can spend freely.
Spending Rules
Lock critical envelopes so they can't be raided. Let everyday ones release on schedule. You control how strict each one is.
Bill and Airtime Flows
Pay data, electricity, DStv and airtime from the envelope that owns each bill. Bills never eat into your daily spending.
Real-Time Position
See every envelope at a glance: what's available, what's locked, what's coming. Not one confusing balance.
Spending History by Purpose
See where money went by life category: Food ₦18K, Tithe ₦8K, Family ₦20K. Receipts that match your plan, not just dates and amounts.
AI Money Assistant
Tell it about an unusual expense — a wedding, school fees, car repair — and it adjusts your envelopes without breaking the rest of your plan.
HOW IT WORKS
Set your plan once. Spend from it every day.
1
Add your income.
Move money in from any source: salary, freelance payment, business revenue, allowance. It's held by a licensed banking partner, not by us.
2
Create your plan.
List your commitments: rent, food, transport, tithe, family, savings, fun. Each one becomes its own envelope with a specific amount.
3
Set the rules.
Decide when each envelope opens: daily, weekly, on a specific date, or only when you manually unlock it. You control the rhythm.
4
Spend from the plan.
Every purchase comes from a specific envelope. Lunch from food, tithe from tithe, transport from transport. When one is empty, the rest are untouched.
YOUR WEEK ON WISEMONIE
This is what a fully planned week looks like.
Income arrives. You assign it to envelopes. Each envelope opens on the day and time you set. Here's one example.
Mon
7:00amTransport₦1,500
11:00amLunch₦3,000
EveningDaily essentials₦500
Tue
7:00amTransport₦1,500
EveningDaily essentials₦500
Wed
7:00amTransport₦1,500
11:00amLunch₦3,000
6:30pmMidweek offering₦1,000
EveningDaily essentials₦500
Thu
7:00amTransport₦1,500
EveningDaily essentials₦500
Fri
7:00amTransport₦1,500
11:00amLunch₦3,000
6:00pmFun / date night₦15,000
EveningDaily essentials₦500
Sat
9:00amFamily support₦5,000
Flex dayPersonal flex₦8,000
Sun
8:00amTithe₦15,000
Total weekly outflow~₦67,000
Total monthly weekly-flow~₦268,000
Plus: Rent saving ₦80,000 (locked, releases on due date) · Debt payment ₦15,000 · Emergency reserve ₦10,000 (released only with reason) · Savings sweep ₦25,000
Every naira is assigned before it's spent. You don't budget in your head. You spend from your plan.
WHO IT'S FOR
Built for anyone whose plan and spending don't match.
If you've ever opened a second account to hide money from yourself, you get it. You're not undisciplined. Your money just has no structure.
Salary earners
Rent, tithe, family, food, transport — all from one income with no built-in separation.
Students
Allowance, money from home, and side-gig income all pooled in one account that treats it as the same money.
Freelancers
Irregular income that must be stretched across tax, savings, family, and daily life — with no payroll doing the splitting.
Small business owners
Business revenue, personal expenses, and family obligations all sitting in one account with no clear boundaries.
Couples
Shared rent and school fees, separate tithes and family commitments. Two incomes, zero shared visibility.
Wisemonie exists for one reason: your money should follow your plan, not fight it.
REAL REVIEWS
Rated 5.0 on Google Play.
From real users who aligned their plan with their spending.
I've tried different budgeting methods before, but Wisemonie makes it much easier to stay on track. I love how it encourages intentional spending instead of just telling you to save. The app is simple to use, well organized, and helps me plan my money better.
I have a good experience using Wisemonie, it helps me to minimize impulse spending and also managing my finances.
It's been really wonderful so far. I've been able to properly manage and stay in control of my savings, and it's been making a real difference.
TRUST & SECURITY
Your money lives with a regulated bank. Wisemonie adds the plan layer.
Funds sit on regulated banking infrastructure. Wisemonie provides the structure, rules, and timing on top.
Regulated infrastructure
Your funds sit with our licensed partner, Rubies Microfinance Bank, under CBN regulation. We don't hold your money. We provide the plan layer: envelopes, rules, and timing.
User-controlled rules
Every lock, limit, and release is something you set, not something we impose. Change it when your plan changes.
Transparent fees
Any transaction fees show clearly before you confirm. No surprise charges.
AVAILABLE NOW
Download Wisemonie.
Live on Google Play today. Make a plan, fund it, and spend from it.
FAQ
Questions people ask before downloading.
Stop spending past your plan. Start spending from it.
Wisemonie is live on Google Play. iOS is on the way.