A money brain that actually thinks
Pulse reads every transaction across your accounts and quietly does the math — budgets, subscriptions, cashflow, savings and where your money is leaking. The more you use it, the smarter it gets
Why it matters
The shortlist
- Smart budgets that learn how you actually spend
- Subscription radar — cancel forgotten ones in a tap
- Live net worth across every account and currency
- 30-day cashflow forecast with bill-day warnings
- Weekly money brief in plain English
- Goal coaching for rent, japa, wedding or a new ride
How it works
Live in minutes, not weeks
Link your accounts
Securely connect every Nigerian bank, broker and wallet via Open Banking.
Pulse studies you
Within a week, Pulse has mapped your income, fixed costs and habits.
Nudge by nudge
Tiny, in-context nudges turn small wins into thousands saved per month.
Features
Built like the rest of your stack
AI categorization
Every transaction tagged and tidied automatically.
Cashflow forecast
See what's left after every bill, weeks in advance.
Spend alerts
Real-time nudges before you blow a budget.
Goal coaching
Goals with weekly auto-savings and milestone celebrations.
Weekly brief
Your money week, in 60 seconds — every Sunday.
Net worth live
One number that tells the whole financial story.
Questions
Frequently asked
Still curious? Visit the help center.
Make more of your money
Pay with ease, save towards your goals, and manage your everyday money in one place. Open your Pady account and start today