# Cowrywise

Cowrywise is a Nigerian digital wealth management platform that helps individuals, couples, and businesses save and invest money through a single app. The platform provides access to mutual funds, Nigerian stocks, fixed income instruments, and structured savings products — all SEC-regulated and professionally managed. Cowrywise is trusted by hundreds of thousands of users to automate savings, grow investments, and plan for the future.

## Main Content

- [Home](https://cowrywise.com/): Overview of Cowrywise — savings, investments, and planning in one app.
- [Save](https://cowrywise.com/save): Automate savings with regular, halal, duo, and circle plans with high returns and no penalties.
- [Invest](https://cowrywise.com/invest): Invest any amount in Nigerian mutual funds via a Systematic Investment Plan (SIP).
- [Mutual Funds](https://cowrywise.com/mutual-funds): Largest collection of SEC-registered mutual funds in Nigeria with real-time performance tracking.
- [Nigerian Stocks](https://cowrywise.com/stocks): Trade 150+ NGX-listed stocks with no minimum investment required.
- [Halal](https://cowrywise.com/halal): Shariah-compliant, interest-free savings and investments for Muslim users (33,000+ users).
- [Sprout (Business)](https://cowrywise.com/sprout): Treasury management tool for businesses to invest idle cash across stocks, fixed income, and mutual funds.
- [Plan](https://cowrywise.com/plan): Personal finance planning tools and guides including interest calculator and risk assessment.
- [Stash](https://cowrywise.com/stash): Digital wallet to send/receive money free and fund savings or investment plans.
- [Duo](https://cowrywise.com/duo): Joint investment account for couples to plan and invest toward shared milestones.
- [Circles](https://cowrywise.com/circles): Group savings challenges — save more with friendly competition.
- [Nest / Kids](https://cowrywise.com/nest): Investment account for parents to build wealth for their children (redirects to kids.cowrywise.com).
- [Security](https://cowrywise.com/security): How Cowrywise protects user funds — PCI-DSS compliance, SEC regulation, Zenith Nominees custody.
- [FAQ](https://cowrywise.com/faq): Answers covering general questions, safety, savings, mutual funds, fees, and withdrawals.
- [Interest Calculator](https://cowrywise.com/interest-tool): Calculate future returns based on contribution frequency, amount, and duration.
- [Risk Assessment](https://cowrywise.com/risk-assessment): Quiz to determine a user's investment risk profile.
- [Changelog](https://cowrywise.com/changelog): Product updates and new features shipped to the Cowrywise platform.

## Optional

- [About](https://cowrywise.com/about): Company mission, team, and history — digitizing wealth management for Africans.
- [Careers](https://cowrywise.com/careers): Open roles and company culture at Cowrywise ("Money works here").
- [Press](https://cowrywise.com/press): Media coverage, press kit, and brand assets.
- [Testimonials](https://cowrywise.com/testimonials): Real user success stories from across Nigeria.
- [Ambassadors](https://cowrywise.com/ambassadors): Cowrywise ambassador programme (redirects to ambassadors.cowrywise.com).
- [Privacy Policy](https://cowrywise.com/privacy): How Cowrywise collects, uses, and protects user data.
- [Terms of Service](https://cowrywise.com/terms): Legal terms governing use of the Cowrywise platform.
- [Complaints](https://cowrywise.com/complaints): Process for filing formal complaints.
- [Education Tool](https://cowrywise.com/education-tool): Financial education resources.
- [Detty December Report 2025](https://cowrywise.com/detty-december-2025): Data-driven report on Lagos' $300M December euphoria economy — who came, who spent, and what it means for 2026.
- [Mama Once Said — Mother's Day 2026](https://cowrywise.com/mothers-day): Generate a personalised #MamaOnceSaid card celebrating your mum's iconic one-liners. Download and share on WhatsApp, X, and Facebook.