Stipendly

Running out before payday? Turn one paycheck into daily, weekly, or custom stipends — so your money lasts the whole month.

Still blowing the month’s budget on one night out? Automatically split your income into controlled payouts — so you only spend what you planned.

Waiting on your next paycheck? Stipendly gives you scheduled payouts that carry you through the gap.

Another surprise bill? Break upcoming expenses into planned stipends — so nothing catches you off guard.

Income comes in waves? Smooth it into steady daily, weekly, or custom stipends — so your cash flow feels consistent.

Multiple income streams? No problem. Organize them into structured payouts that keep everything predictable.

A Stipendly customer receiving scheduled stipend notifications

Make your Money Longer

Sound familiar?

Money comes in- salary, wages for a gig, allowance or even as a gift and you're good for a few days. And then things get, ehn, interesting...

Payday Week 1 Week 2 Week 3 Week 4
Money lands

Everything feels affordable.

The account is full. The whole month is still ahead.

One good night

The first bite.

Blowing the month’s budget in a single outing suddenly looks reasonable.

The gap

The balance gets quieter.

You start waiting on income with nothing scheduled to arrive.

Surprise bill

Something always comes up.

A big expense catches you with no buffer built in.

Irregular income

Feast. Then famine.

Money comes in waves — and the next payday still feels too far away.

Salary lands Next payday
How it works

Spend Smarter, Live better.

Whether you're managing commitments, avoiding overspending or trying to make it to the next payday, Stipendly gives you control over when and how you spend.

Automatically divide your income into time-based stipends — daily, weekly, or custom, so money arrives when you actually need it. Built for salaried people, students, freelancers, and anyone tired of running out before payday.

01 — Fund

Set the budget

Fund a wallet, pick an amount, and choose how long it needs to last — a week, a month, or a custom stretch.

02 — Split

Stipendly divides it

Your budget is automatically split into daily, weekly, or custom stipends, scheduled from day one.

03 — Release

Payouts land on time

Each stipend arrives on schedule — spendable, sendable, or ready to fund a card. Nothing more, nothing early.

₦300,000 budget · 30 day plan
₦10,000 / day
Try it

How long is your money?

Enter what you've got and how often you want it released. We'll show you exactly what lands, and when.

₦

How often do you want to receive money from this budget?

You'll receive
₦10,000
every day, for 30 days.
30total payouts
₦300,000fully allocated
More in the app

Do more with Stipendly.

Spreader

Split a funded budget into smaller daily, weekly or custom stipends so one lump sum lasts.

Spreader budget

Make a lump sum last.

Choose a funded amount and the period it needs to cover. Stipendly schedules smaller releases while the remaining balance stays committed to later.

Useful for salaries, allowances, freelance payments and any income that arrives less often than life happens.

One budget → many predictable stipends
Accumulator

Combine successfully funded cycles into a larger, less frequent payout.

Accumulator budget

Build toward a larger payout.

Fund a budget in smaller repeatable cycles, then make the accumulated balance eligible on the payout schedule you choose.

Only money that has actually been funded counts, making it useful for deliberate saving without pretending future deposits already exist.

Many funded cycles → one larger payout
Commitments

Schedule allowances, transport and household support for the moments they are due.

Commitments

Keep promises on schedule.

Ring-fence money for another person—or future you—and release it directly when it becomes useful.

Gideon’s allowance, Kachi’s transport and recurring household support stop competing with everything else in the current balance.

Committed now → available when needed
Payroll & business

Give team payouts, field allowances and operating budgets a clear rhythm.

Payroll & business budgets

Control when operating money becomes liquid.

Structure payroll, contractor payments, field allowances and departmental budgets without exposing the whole operating balance on day one.

Each period works with its own available amount while money for later commitments remains protected.

Clear cycles for people and operations
Subscriptions

Schedule funds onto a dedicated card for recurring online services and bills.

Subscriptions

Fund the card, not the temptation.

Set aside predictable money for software, streaming, memberships and online services, then release it to a dedicated card before charges arrive.

Recurring bills stay separate from everyday spending and the rest of the budget remains visible but unavailable.

Predictable money for predictable charges
Stipendly is for you

If you’re like…

Emeka

Salary earner

₦450,000 lands once, but life happens every day. Emeka gives each day access only to its own money.

Mayen

Entrepreneur

A ₦600,000 operating budget becomes four deliberate weekly releases instead of one exposed balance.

Solo

Freelancer

Clients pay irregularly. Solo doesn't have to live on their schedule: one big payment becomes a steady runway.

Ada

Student

₦100,000 across 25 days means Thursday can protect itself. Its money simply isn't available on Monday.

Stipendly helps decide not just what money is for, but when it becomes available.
About Stipendly

Learn how Stipendly helps you stay disciplined.

You get paid. You feel good. You spend. Then the money fades and the waiting begins. Stipendly breaks that feast–famine cycle by spreading money over time as predictable stipends.

About Stipendly

Built to break the feast–famine cycle.

We spoke to people across income levels about how money actually flows. One story kept repeating: you get paid, you feel good, you spend, then the fade begins — and the waiting starts.

It wasn't a discipline problem. It was a structure problem. So we built a product that spreads income over time as predictable stipends, instead of one lump sum you have to manage alone.

Mbre Labs

Mbre Labs is the product studio behind Stipendly. Mbre is an Efik word meaning play — not distraction, but curiosity, experimentation, discovery.

We believe the best financial tools are built when serious problems are approached with creativity and humanity — intuitive, flexible, alive.

— Built in Lagos