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.
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I have been saved times without number from my 20% savings on my salary earned and this I enjoyed using cowrywise application.
I simply want to applaud the initiatives behind cowrywise, and God bless the day I downloaded this app, seamless transactions and activities, this is a one stop shop for investors and planners alike.
Oluwadamilare Akinola.
(Dee3concepts Travels)
A+ for financial literacy.
Thank you Cowrywise!
??
So happy to have you on board ?
I love saving with cowry wise. I have no regret… i have also learnt some things on their blogs concerning savings and investment
So glad to hear that, Blessing. Thanks!
Yayyy ?
I’m a student. Although there are other saving app buh i love cowrywise moreee… So straightforward
Thanks Omowunmi! ??
?
As a student who uses both PiggyVest and Cowrywise, I prefer Cowrywise because it is waaayy simpler. And has more options.
Always teaching its users something. Thank you!
Thank you, Omolola.
Among all other sites and companies, I have been investing I still choose cowrywise as the best . Because,its simple, straightforward, and attend to their customers,thanks to cowrywise we are still looking up to you,
for more development.
I love CowryWise for their regular financial education
I love cowrywise
And introduced it to my friends
Great initiative from Cowrywise
Now i would love to ask where the 10% tithe comes to play in
Well, you get to play around with the percentages when it comes to the 50-20-30 rule. I include my tithe by lowering my necessities to 40%, and also included black tax @ 9%. Just make sure all your categories add up to 100% and adjust where only necessary.
Specially want to thank OPE he’s/she’s been great! Thank you for all the financial advices!
Overall best in financial literacy
I so much love cowrywise especially because they have a plan for Muslims who do not want interest on their savings and I also love their automation
I am always happy and always look forward to when cowrywise will remove my money
Them say debit alert no dey give person joy but whenever it’s from cowrywise am always happy
Please I need your advice on how to get debt free with my income how to spend and Dave to pay up the loans
I always look forward to Ope’s email because their is always something to learn.
I invitatied one thousand I did not see the money or income
Awesome! I loved this app because any time I logged in,it gives me future assurance.
Kudos to you guys (expecially ope) your quote motivated me a lot ❤️❤️ cowrywise
I wanna know about cowrywise investment…I only know about her savings
With little responsibilities, I stay with my parents , my main expenses are usually transport and internet subscription, I’m able to save up to save up to 50% of my salary
Cowry wise is the Best
I love cowrywise and I’ll introduce anyone to it.
I wish to know more about Cowrywise investment
I wish to know more about Cowrywise investment. I have interest in investing. How can I go about it
Cowrywise is very nice ,they do great job
Wow really loved this
A very nice article thanks
Thank you for yet another insightful post??
I have no regrets since I joined cowrywise, since 4years ago, I love it and have introduced many people, God bless you all Amen
The first 200k I was able to save was because Cowrywise made it possible ????.
I love the fact that once a saving plan is set you can never break it till it’s due date.
I remember rushing down to my app to withdraw my money just for me to realize it’s a one year saving plan?? I was heartbroken at then but guess what one year later I was immensely grateful that the money was safe locked without me accessing it.
I have a lot to learn from using this app as I journey to financial freedom, I haven’t officially utilized the investment options but I will definitely give it a good try someday.
Thank you Cowrywise for this awesome opportunity ❤️?
Thanks for always educating me ❤️?
Thank you cowrywise..Thank you Ope
Thanks so much my favourite Savings adviser, Ope, this 50-20-30 plan is an eye opener. I will put into use immediately so that I can be consistent in my savings. Thanks
Lovely write-up as usual, always happy to see cowrywise content