Stipendly

Spend smarter, live better

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? Get scheduled payouts that carry you smoothly 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.

Stipendly customer receiving a stipend and creating a budget

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.

Cycles & schedules

Set custom budget cycles and payout frequencies so your budgets renew when you want and pay when you need.

Send & spend

Managing commitments? Send stipends directly to other users, or put them on a card for online shopping and subscriptions.

Stipendly is for you

If you’re like…

Ayo

Salary earner

Your salary lands once but life happens every day. Stipendly can help you match your paycheck to a steady daily rhythm.

Emeka

Entrepreneur

Commitments are everywhere you look—payroll, black tax, and weekends that can get expensive fast. Stipendly makes sure your money goes where it should.

Mayen

Freelancer

You earn in bursts—some big and some bigger, but rarely regularly. Smooth irregular income into predictable payouts between projects so you’re always covered.

Solo

Student

Your allowance has to stretch, no way else around it. Stipendly ensures you have enough for today without having to fret for tomorrow.

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