Stashwayy rounds every transaction up to the nearest hundred and quietly invests the difference. No transfers to remember, no month where you meant to and then didn't.
Withdraw whenever you want. Pause the round-ups in one tap. No lock-in, no penalty, no minimum balance.
Illustrative activity
Almost nobody who fails to save is confused about whether they should. They intend to, every month, and then rent lands, or a relative calls, or the month is simply longer than the salary. The intention was never the problem.
What works is removing the decision entirely. Money that leaves in eighty-naira pieces, at the moment you are thinking about something else, never competes with anything — and so it is the only money that reliably survives to the end of the month.
The amounts feel trivial on purpose. That is the mechanism, not a limitation.
Modelled at three qualifying transactions a day and an average round-up of ₦55. Principal only — excludes any investment return.
Connect the bank account or card you already spend from. Read-only — we see transactions, we cannot move money out of it.
To the nearest ₦100 by default. Round to ₦500, or multiply the round-up by two or three if you want it to bite a little harder.
A money market fund by default. Switch to treasury bills, a dollar fund or an index portfolio whenever you like.
Name what you're saving toward and we'll tell you when you'll get there. Or leave it unnamed and let it build.
"Save more" is not a goal, it is a mood. A goal is ₦850,000 by next September, and knowing — today — that at your current rate you will arrive six weeks late.
Stashwayy projects every goal from your actual round-up rate, not from what you hoped it would be. When you're behind, it says so, and tells you the weekly top-up that would fix it rather than leaving you to work it out.
Money is allocated across goals automatically as it arrives, in whatever proportion you set.
Illustrative goals
Everything except the cash option can lose value. We would rather say that plainly here than bury it in a document you sign later.
| Option | Risk | Access | Suits |
|---|---|---|---|
| Money market fundShort-dated instruments, naira | Low | 1–2 business days | The default. Emergency funds and anything you might need this year. |
| Treasury billsFederal government, fixed tenor | Low | At maturity | Money with a known date attached — school fees, a deposit, a planned purchase. |
| Dollar fundUSD-denominated, short duration | Medium | 2–4 business days | Holding value against naira depreciation. Moves with the exchange rate, both ways. |
| Index portfolioDiversified equity exposure | Higher | 3–5 business days | Money you genuinely will not need for five years or more. It will fall sometimes. |
Move between options as often as you like. There is no charge for switching and no penalty for changing your mind.
We will not show you a projected return as if it were a promise. The projector on this page lets you set the assumption yourself, because it is an assumption.
Set the yield yourself — we do not supply one, because nobody can honestly tell you what the next five years will return.
Compounded monthly at the rate you set. A yield you choose is an assumption, not a forecast or an offer — actual returns vary, and every option other than cash can fall in value.
Charged monthly on the balance you hold, which means we only earn more when you have more. There is no fee on deposits, no fee on withdrawals, no fee for switching between options, and no charge at all in your first year under ₦100,000.
Fund managers charge their own expense ratio on the underlying products. We show that separately in the app rather than folding it into our number, so you can see what each layer actually costs.
1.0% / year
On balances over ₦100,000. Free below that.
Free
Round-ups, top-ups and one-off deposits.
Free
To the account you linked, any time.
Free
Between any of the four options.
Setting up takes about four minutes. Link an account, pick a rule, and then genuinely forget about it — which is the entire point.
Start stashing