Wealtho is a money management platform designed to help people organise their finances and give every naira a purpose. Its app brings balances, spending and savings priorities into one view, helping users build a clearer plan around everyday needs and longer-term goals. Users can automatically split incoming money across custom categories such as savings, housing, business and daily living, then keep funds in dedicated buckets.

Personal goals make progress visible, while pooled savings let people work towards shared plans with contribution tracking and group withdrawal rules. Wealtho also offers Ajo, a rotating savings circle in which members contribute regularly and receive the pooled amount in turn. Eligible sealed savings buckets may earn daily interest, subject to the rate, duration and access conditions shown in the app; early withdrawal may incur a penalty.

Additional features include payments to other people, airtime, data, power and TV purchases, and tax estimates based on categorised income, with assumptions available for review