Smart Envelopes
One envelope per commitment: rent, food, tithe, family, fun. Each holds real money, kept separate from everything else.
FEATURES
Features that keep your plan and your spending aligned.
Envelopes, release schedules, spending rules, and real-time visibility — everything you need to spend from your plan, not past it.
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.
Non-negotiables are funded first, always
Before you see any flex money, rent, tithe, savings, and family are already set aside. That's the foundation of every plan.
Salary lands
1 · Essentials funded first
- Rent₦80K
- Tithe₦15K
- Parents₦20K
- Savings₦25K
2 · The rest is yours
Flex money, spend without guilt
Rent, tithe, family and savings are filled before flex money exists. No willpower required.