Meet January with the money already there.
Rent, school fees, the business you keep postponing. They all arrive in the same three weeks, every single year. This is the plan that gets there first.
16% a year · comes home 10 to 15 December · joining closes 30 November
January has never once arrived quietly.
Detty December is wonderful, and then the first week of January sends its bill. This is the money that is already waiting when it does.
The rent letter in January
A whole year's rent, due in one breath, in the month everybody is broke. You already have it, and you have had it since March.
Resumption, and all of it at once
Fees, books, uniform, transport, in the same week. Nobody has to call anybody for help this year.
The thing you keep postponing
The shop, the equipment, the course. It has waited three Januarys for capital. This is the January it stops waiting.
What will you have in December?
Put in what you can save each month. We only count months that have not already gone, we work growth out from the day each save actually lands, and we never promise a full year's interest on money saved in November.
Your savings and your growth are always shown apart, so you can see exactly which naira is yours and which one we added.
Nobody plans for December in March, which is exactly why December always wins. Starting now means the trip home, the hamper and January school fees are already decided, and you get to enjoy the part that was supposed to be enjoyable.
A month needs to reach ₦10,000 to earn 16%, so we have counted ₦10,000.
The plan year runs 1 January to 10 December. Join in any month and yours runs from then to the same 10 December.
1 save of ₦25,000.00, the first earning 15 days and the last 15 days to 10 December.
Actual days over 365, to the end of 10 December. The real figure is never lower if every save lands, because payout can fall as late as the 15th.
Every month you wait is a month that cannot earn. December does not move.
Start from ₦10,000 a monthTolu's year, including the month she missed.
Tolu saved ₦25,000 on the 25th from January. October was tight, so she skipped it, and picked it straight back up in November. Here is what that actually cost her.
| Her year | What happened | Amount |
|---|---|---|
| Ten months saved | January to September, and November | ₦250,000.00 |
| Growth to 10 December | 16% on every qualifying day, 13% through October | ₦19,141.78 |
| What October cost her | the gap between 16% and 13%, for 31 days | ₦573.29 |
| Comes home in December | ₦269,141.78 | |
One hard month cost Tolu ₦573.29 and nothing else. Every naira she had already earned stayed exactly where it was.
Tolu missed a whole month and still got there. The plan is forgiving, but it does need starting.
Start from ₦10,000 a monthFour moments, and that is the whole year.
You start, any month you like
Right up until 30 November. The first month that reaches ₦10,000 starts your plan and opens the Inner Circle.
Every month stands on its own
Reach ₦10,000 and that month earns 16%. Miss it and that month earns 13%. A hard month never touches what the others earned.
On 1 December you see the date
Saving closes, and we tell you the exact day and the exact amount coming home, to the kobo.
It comes home
Between the 10th and the 15th, savings and growth together, into your Wallet. The next plan opens on 1 January.
You are not doing this alone.
Saving every month is easy in January. It is hard in August, when nothing has gone wrong exactly, and the money is just thin. The Inner Circle is the part that carries you through August.
It opens with your first ₦10,000 month and runs until 31 January, free, with your December Plan. On its own it is valued at ₦200,000.
A private masterclass, every month
One subject, taught properly, with room at the end for the question you were too shy to ask anywhere else.
The book club
One money book at a time, read together. The arguing is the part that makes it stick.
People saving on your calendar
Daily support from people in the same months as you, chasing the same December. Peer accountability does what willpower on its own does not.
Rooms you would not find alone
Opportunities surface inside the circle first, and they go to the people who are in it.
Everything, in plain words.
Including the part people do not enjoy reading, which is the part we would rather you read now than in June.
Join whenever you are ready
Any month up to 30 November. After that Flexible Savings stays open, and the next December Plan opens on 1 January.
A month counts the moment it reaches ₦10,000
By hand or by Autosave, in one go or in pieces. A payment your bank delays still counts for its month.
Growth is worked out every day
On money that has arrived, at 16% in qualifying months and 13% in the others, paid with your savings in December. Payout day itself earns nothing.
It really is locked until December
Not early, not partly, and support cannot release it either. That is the whole point of it, and it is why we would rather you knew now.
Keep something reachable alongside
Most people run Flexible Savings next to this one, so a hard week never forces them to wish they could break the plan.
The Inner Circle comes with it
From your first ₦10,000 month until 31 January. The monthly private masterclass, the book club, and people doing this in the same months as you.
Payout. Between 10 and 15 December, into your Wallet, with the exact date confirmed by 1 December. From your Wallet to your bank is free.
Where your money sits. Held by our licensed partner.
Things people ask us.
What is the December Plan?
It is a plan for saving every month so you meet January ready. The plan year starts in January and ends in December, and everything you save plus growth comes home to your Wallet between 10 and 15 December. There is a sweet bonus along the way. The moment a month of your plan reaches ₦10,000, you automatically qualify for the Inner Circle, where you get monthly Masterclasses, a monthly book club, vetted opportunities every Monday and a private progress page with a monthly check in. You save for January, and you get a high quality community that grows you for free while your money also grows.
How much do I save, and what does it earn?
You save at least ₦10,000 in total each month, in one go or in many small payments. In every month you reach ₦10,000, that month earns 16% a year. In a month you miss, it earns 13% a year, and your earlier months keep every naira they earned.
What if I miss a month?
Nothing dramatic happens. Say you miss October. October earns 13%, and if you reach ₦10,000 in November you are back at 16%. Nobody is shouted at, and a payment your bank delays still counts for the month it was meant for.
Can I take money out before December?
No. There are no early or partial withdrawals, and the app asks you to accept this before your first save. That is the whole point, because it lets January begin with your money already there.
When can I join?
Any month, up to 30 November, so you do not have to start in January. Join late and you still enjoy the same Inner Circle benefits as everyone else. After 30 November, the next plan opens on 1 January.
When do I get paid?
Between 10 and 15 December. We announce the exact payout day on 1 December. From 1 December until payout day your money keeps earning at November's rate.
Can I set up Autosave for it?
Yes. Autosave can run daily, weekly or monthly, and it can drop straight into your December Plan. You can pause or stop it at any time.
What is the Inner Circle?
The Inner Circle is a focused wealth building community that opens inside the app the moment your December Plan reaches ₦10,000 in a month. Isaac leads it himself, with special guests from time to time, and the conversation covers investment, personal finance, entrepreneurship, skills, career and branding, as well as the topics close to every Nigerian's heart, including property, side income, working or relocating abroad, funding a business and teaching children about money. Every month you get a Masterclass and a book club. Every Monday you get vetted opportunities across career, grants, scholarships, business, skills, fellowships, investments and more, and you have a private progress page with a monthly check in, so consistency becomes a habit and not a heroic effort. Access continues until 31 January, and it is the same whichever month you joined.
What are the Monday opportunities?
Every Monday you get three vetted opportunities, which can cover career, grants, scholarships, business, skills, fellowships and investments. A person checks each one before it reaches you, and checked is not the same as guaranteed, so read each one and decide for yourself.
What is on my private progress page?
It is a page only you see, with a monthly check in, so you can watch your habit grow without anyone looking over your shoulder.
When is the Masterclass?
It is a live class on Zoom the first Saturday of the month, 6pm to 8pm Nigeria time. Members get reminders and a replay.
Can I join a Moneywise Masterclass without the December Plan?
Yes. People outside the plan can pay ₦10,000 through Paystack to join and receive the replay.
No question matches that. Try a shorter word, or ask us directly.
January is sorted when you start now.
From ₦10,000 a month, with the Inner Circle from your very first one. Joining closes on 30 November.
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