Your money splits itself
the moment it enters.
Spend, save, and stay disciplined — automatically.
No stress. No overspending.
No self-control needed.
🚀... people joined the waitlist
Bank-level security. Your money is safe.
Three steps to financial control
No willpower needed. Just deposit and let your wallet do the work.
Deposit
Send money via bank transfer or USSD. Any amount, anytime.
Deposit
Send money via bank transfer or USSD. Any amount, anytime.
Auto-Split
Your money splits instantly — 50% Spend, 30% Save, 10% Emergency, 10% Flex.
Auto-Split
Your money splits instantly — 50% Spend, 30% Save, 10% Emergency, 10% Flex.
Spend with Purpose
Every transfer needs a reason. Your Emergency fund stays locked.
Spend with Purpose
Every transfer needs a reason. Your Emergency fund stays locked.
Deposit
Send money via bank transfer or USSD. Any amount, anytime.
Deposit
Send money via bank transfer or USSD. Any amount, anytime.
Auto-Split
Your money splits instantly — 50% Spend, 30% Save, 10% Emergency, 10% Flex.
Auto-Split
Your money splits instantly — 50% Spend, 30% Save, 10% Emergency, 10% Flex.
Spend with Purpose
Every transfer needs a reason. Your Emergency fund stays locked.
Spend with Purpose
Every transfer needs a reason. Your Emergency fund stays locked.
Why PocketWise?
Nigerian youth aren't bad with money. They just never had a tool that made discipline effortless.
Automated Discipline
No spreadsheets. No manual budgeting. Money is split automatically the second it lands — before you can spend it wrong.
AI Money Coach
Weekly spending insights, behavior warnings, and celebrations. Your coach celebrates wins and flags problems before they grow.
Emergency Wallet Lock
Your emergency fund is locked by default. Accessing it requires friction — a confirmation step that makes you pause before dipping in.
Built for Nigerian Reality
Supports ₦100 minimum transactions. Works with bank transfer and USSD. No dollar cards or foreign infrastructure needed.
Everything You Need to Build
Real Financial Habits
The 50/30/10/10 Split
Inspired by time-tested wealth allocation principles, every naira you deposit is automatically divided into four wallets. Spend 50% freely, save 30% consistently, protect 10% in Emergency, and treat yourself with 10% in Flex — guilt-free.
Auto-Split Preview
Spend
Day-to-day
Savings
Long-term
Emergency
Safety net
Flex
Treats
See Your Money Split Instantly
Type any amount and watch PocketWise instantly divide it into your four wallets. No math needed — just pure clarity on where every naira goes.
Try the Split Calculator
Spend With Intention
Every transfer out of your wallets requires a stated reason. Not to judge you — to make you pause. That 3-second reflection is where better financial decisions are born.
Transfer ₦5,000
From: Spend Wallet
Reason for this transfer
Bought groceries at Shoprite
Set Goals. Auto-Track Progress.
Create savings goals with a target amount and deadline. PocketWise automatically tracks your weekly contributions from your Savings wallet and shows you exactly where you stand.
MacBook Pro
Goal: ₦120,000
Your Weekly Financial Pulse
Every week, PocketWise sends you a summary of how you spent, what you saved, and what your AI coach noticed. No surprises. Just clarity.
Weekly Pulse
Week of Apr 1 – 7, 2026
Spent
49.6% of Spend wallet
Saved
Toward MacBook goal
AI Note
Great week!
Break the manual budgeting cycle
No more tracking every naira on paper or complicated spreadsheets. PocketWise takes the manual labor out of financial planning. Your money manages itself the second it lands.
Frequently Asked Questions
Be First. Build the
Habit Early.
PocketWise is almost ready. Join the waitlist and get early access before the public launch — plus ₦1000 wallet credit when you sign up on launch day.
✓ No spam. Just your launch-day invite.