💵
Cash Flow
cash flowIncome vs expenses, budgeting basics, daily money hygiene.
PRACTICE-FIRST BRAIN TRAINING
Practice the financial decisions that compound.
Theorise is a brain-training app for your money. 12 games across 10 tracks — budgeting, credit, investing, salary, Ajo, AI advice, and the NG/Africa macro pulse. 60 seconds per game. Every day, a little sharper.
iOS Android Web
12
games at launch
10
tracks · NG-first
120
questions, growing
60s
per game session
The gym for your wallet
No lectures. No videos. Just practice.
Financial literacy is a skill, not a syllabus. You don't learn to swim by reading about water — you learn by getting in and repeating. Theorise drops you into real money scenarios: BNPL traps, Ajo groups, CBN rate moves, salary counters, AI advice. Immediate feedback. Spaced repetition. Over time, your judgement compounds.
10 tracks
From cash flow to Macro & Markets.
Every track has its own accent colour. Your skill radar tracks all ten over time.
🏦
Savings
savingsIndividual savings + Ajo / Susu / Merry-Go-Round / Tontine / Gamia.
💳
Debt & Credit
debt creditCards, BNPL, credit-bureau mechanics, avalanche vs snowball.
🔍
Spending
spendingImpulse vs planned, subscription bloat, opportunity cost.
💼
Income
incomeSalary + hourly value, side hustle, pension match.
📈
Investing
investingStocks, bonds, funds, FGN bonds, crypto, risk tiers.
12 games
Bite-sized. Specific. Rehearseable.
One focus per game. Six here; twelve on the Games page.
⚡
Speed Sort
Cash FlowClassify income / essential / discretionary at speed.
Tap (3-choice speed round) 15 cards, ~2 min
📈
Interest Race
LoansEstimate compound and loan outcomes fast.
Slider estimate 8 rounds, ~2 min
🤝
Ajo Simulator
SavingsRotating savings: governance, defaults, payouts.
Decision tree 6 rounds, ~2 min
📊
Credit Score Builder
Debt & CreditA year of decisions that move your score.
Tap monthly choice 12 months, ~4 min
📰
Pulse Check
Macro & MarketsReal NG/Africa headlines — pick the wallet impact.
Tap headline impact 10 headlines, ~2 min
🤖
AI Money Check
AI & FinanceSpot hallucinations, fake citations, stale AI advice.
Tap red flag 8 outputs, ~2 min
MACRO & MARKETS · BUILT FOR AFRICA
Read the headline. Know what it does to your wallet.
Naira devaluation, CBN rate hikes, fuel subsidy removal, AfCFTA, oil at $70, cashless policy, Kenya's digital service tax. Western brain-training apps don't cover any of it. We lead with it.
- →Real NBS, CBN, World Bank sources
- →10 new headlines added monthly
- →Localised to NG · KE · GH · EG
THE DAILY PULSE MACRO
"CBN raises MPR from 24.75% to 27.25%."
Most direct effect on your variable-rate loan?
Monthly payments go up
Monthly payments go down
No effect
Grounded in learning science
Spaced repetition, retrieval practice, interleaving.
Theorise uses the SM-2 spacing algorithm, mixes question types within each workout, and scores you against 10 sub-skills over time. These are decades-old techniques from Ebbinghaus, Roediger, Karpicke, Ericsson, and Rohrer — not marketing spin.
Roediger & Karpicke (2006)
Test-Enhanced Learning
Active recall beats rereading for long-term retention.
Cepeda et al. (2006)
Distributed Practice Meta-analysis
Spaced practice outperforms massed practice across domains.
Rohrer & Taylor (2007)
Interleaved Problems
Mixed problem types improve learning more than blocked.
GET STARTED
Your first workout is 60 seconds away.
Free forever at 1 workout/day. Upgrade to Theorise+ for unlimited games, streak freeze, and the full library.
iOS · Android · Web
Built in London and Lagos.
Nigeria-first. Africa + diaspora from day one.