At Cowrywise, we believe that financial freedom is possible through financial inclusion. Based on this, we have designed amazing plans for you to save and invest that make it possible for everyone to find a suitable investment path. The best part? You get to save and invest on your own terms.
For the salary earner

For Dare, it is important that a part of his salary is saved and invested after his credit alert hits at the end of the month. Our Periodic Savings Plan caters to Dare’s needs by helping him to materialise his dreams through automated savings either daily, weekly or monthly. With this plan, he can earn impressive returns from the investment of his savings in instruments like treasury bills.
How about the lump sum investor?

Unsure of what to invest the lump sum of money she had recently received, Kene had resorted to leaving it seated in her bank account even though she knew it deserved better. With the Fixed Savings Plans, we ensure that your money gets better than just left in the bank account.
>> Learn more about How Cowrywise is better than your regular bank savings account.

And the freelancers with no stable income? Covered!

Like Tonye, a freelance photographer who does not have a fixed source of income, you can decide to save any amount at any time manually with our Save As You Earn Plan. With the one-time savings feature, this plan is perfect for users not on a regular income and can also be used by those who want to top their other savings plans manually.
>> Read more on How Freelancers Can Invest and Build Wealth
Did we forget group savings and investments? Nopes.

Eseosa and her circle of friends have planned to hit the beautiful beaches of Bali this August. With only a few months to go, they set up a collective savings plan on Cowrywise. Our Savings Circle is perfect for saving money collectively, contributing towards a goal or just challenging friends to meet a set target.
We also considered the Muslim faithful.

Halimat is in search of a platform that will help her save smarter and not go against her beliefs. The Halal Savings is perfect for Halimat and all Muslims interested in saving, it is interest-free and is free of riba. Users can decide to automate the Halal plan or not.
>> Learn more about Halal Investments in Nigeria.
With Cowrywise, there is a plan already waiting for you.
Start your journey to financial freedom with us today.
RELATED

thanks
This is so timely, Thanks
Thank you Ope
Thanks for this
Thank you for your great advice and guidance ?. It really helps ?
Please I want to know if my investment is done
If you don’t mind how is the investment work
Fantastic write up..you hit nail on the head.
Great
Great write-up!
Thank you so much for this Ope
You are welcome
Thank you very much; so instructive.
Africa, my Africa.
Thanks for this Ọpẹ́.
Many thanks
Nobody should underestimate the importance of this writeup. I somehow wished my Dad came across something like this years ago.
Thanks a lot, this is eye opening.
Thanks for reading, Dorcas
I wish I read this before now, thanks Ope
??
Thanks for this eyes opener write up.
An eye opening writeup; Many thanks
It’s really an eye opener.
Thanks thats wonderful!
Thanks for this, really enlightening.
Thanks for this Ope its word of enlightenment indeed
??
Great
The above writeup was made with enough garnish.
Thank you!
Ọpẹ, this write up came at the right time. Like it’s juju for me.
I just finished sending my mum money from my first salary and i panicked when i read this. I love what i did but you see that black tax ehh??. It’s to learn to say no very well. I have a weakness and that’s being agreeable. Women tend to be more agreeable than men, but if i want to fulfill my goal, i must do the needful.
Thanks for this juju write up. Like you read my mind. ??
This came in at the right time
Wow you guys are great,thank God for technology and apps like this,making life easier and convenient for us to do our savings.
Amazing! Quite right on time; Kudos to the brain(s) behind this!
This so amazing… Just what I needed right now ?
I recently signup/subscription and I must say, I enjoy reading your articles, good one.
Am sorry to ask how much can I withdraw every month cause I have invested 1k
I really enjoy and leaned from the advice, had it been I com across this life would not have been so turf as it is now cause I’ve wasted so much money but thank you ope for the advise thanks a lot keep it ?
good advice thanks OPE.
Moral of the lesson: Do not help others to your own detriment whether today or for your future needs
Truth be told, I have never heard of or even read about “the black tax” and “sandwich generation” in all these years.
This is not just enlightening but would also help me and many (I guess) in not just planning money but also time
Thanks a lot Ope.
Thanks so much Ope. It’s a great enlightenment
Thanks for the write up, Ope. This black tax has finished me… But Thank God for this app that came to my rescue
What about the relative that could start crying when you say no?
Nice one.
Cool
Very insightful and timely for me.
Thank you ope for sharing.
Great Lesson to balance finance for better living
Thank you so much for this. Learnt a couple of new things
Very wonderful advices and lectures. But it seems very difficult to when trying to get out of recession. While planning to stand on your feet back again with no regular income and a hand to mouth epileptic economy. More advice ma. Good morning. Thanks
Thank you Ope❤️
I always love it when I see “Ope from Cowrywise” dropped in my email… U never disappoint… Thanks for the education ☺️
Thanks
Wow, this is eyes opener!
Thanks for this ❤
Thanks
This explains a lot, thanks Ope
God knows this year has been a lot for due to this. I have neither savings nor money to due basic care. I’m doing better henceforth tho. Thank you, Ope.