Make your Money Longer

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.

Young professional using Stipendly app

Stretch your income

Whether you're trying to avoid overspending or 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.

Create a budget and Stipendly automatically turns it into daily, weekly, or custom stipends.

Stipends arrive on schedule — so you only spend what you planned.

Pay bills, fund cards, or send money to others — all from your stipends.

How long is your money?

₦

Enter your usual budget amount and use the slider to set a budgeting period

30days
₦ 10,000 /daily

Lasts until —

₦300,000 lasts 30 days at ₦10,000 every day.

Stipendly is for you if…

You’re like Ayo...

Ayo

You run out of money
before the next payday.

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You get paid once a month. Your salary lands strong, but somehow it never stretches as far as you planned. By the second week, you’re adjusting expenses and hoping the rest will last.

With Stipendly, your income is spread into daily stipends. You don’t feel the pressure of managing everything at once — your money arrives in parts, and it lasts the full month.

You’re like Tife...

Tife

You overspend
when money hits.

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When your account balance looks healthy, it’s easy to justify bigger expenses. A few outings or impulse buys later, the month feels longer than it should.

Stipendly limits what’s available at a time. You still spend freely — just within a structure that protects the rest of your income.

You’re like Emeka...

Emeka

You earn in bursts —
some big, some bigger.

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Some months are heavy, some are quiet. When a big payment comes in, it feels good — but spacing it properly is harder than it looks.

Stipendly smooths your lump sums into steady payouts. Instead of guessing how long it should last, your income is structured to carry you consistently between projects.

You’re like Solo...

Solo

Money comes
from different places.

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Salary, side gigs, commissions — it all lands at different times. Keeping track of what should cover what can get messy fast.

Stipendly organizes your inflows into structured payouts. Everything feels smoother, clearer, and easier to manage.

You’re like Ada...

Ada

Your allowance
has to stretch.

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As a student, whether it’s from parents, part-time work, or a stipend, you can’t afford to burn through it too quickly. One unexpected expense can throw everything off.

Stipendly breaks it into manageable payouts. Instead of worrying about what’s left, you know exactly what’s available each day or week.

Sign up for early access!

Join our beta program of early testers and first adopters

Frequently asked questions

About Stipendly

When we started building Stipendly, we spoke to people across different income levels to understand how money really flows. One story kept repeating itself, we called it the feast–famine cycle.

You get paid. You feel good. You spend. Then the money fades — and the waiting begins. We realized it wasn’t just about discipline. It was about structure. So we built Stipendly to break that cycle.

Built for freelancers, students, and anyone with irregular income, Stipendly creates structure without rigidity, helping your money move with intention. With Stipendly, you turn your money into something you can actually live on. Instead of spending in bursts and stressing between inflows, Stipendly spreads your money over time as predictable stipends — daily, weekly, or custom.

Mbre Labs

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

At Mbre Labs, we believe the best products are built when serious problems are approached with creativity and humanity. We design tools that feel intuitive, flexible, and alive.

Got a Question or an Enquiry?

Send us an email and we’ll get back to you with answers