What is Phundit and how does it work?

Phundit is a mobile savings app that helps users in Ghana build an emergency fund. You set a savings target, make regular deposits which are invested in a regulated mutual fund to earn daily interest, track your progress, and get motivation through streaks and milestones. It includes Zoe, an AI assistant for personalized tips and reminders, plus rewards like Phundit Coins earned for consistency and financial education videos, redeemable for data, ECG prepaid, or DSTV.

How much does Phundit cost?

Phundit is free to download and use for basic features. It offers a yearly subscription for $11.88 that unlocks premium features like extended access to the Zoe AI assistant, and charges a 1.25% fee on investments.

How do I sign up for Phundit?

Download the Phundit app from the Google Play Store or Apple App Store, then create an account within the app.

Does Phundit have a mobile app?

Yes, Phundit is available on iOS and Android. You can download Phundit on the App Store for iPhone, or get it on Google Play for Android.

Who is Phundit best suited for?

Phundit is best suited for young Ghanaians and early-career professionals who want to build emergency savings with guidance, interest, and rewards.

How do I contact Phundit support?

Contact Phundit support at support@phundit.app or +233 (050) 541 4514.

Does Phundit have a plan for teams or businesses?

No, Phundit does not have a plan for teams or businesses.

Phundit

🇬🇭 Ghana

An emergency savings app for people in Ghana to set targets, save consistently, earn daily interest via mutual funds, get AI tips, and redeem rewards.

Use it on:Web Android· 4.9 iOS· 3.8

Is Phundit right for you?

Best for

Ghanaians building emergency funds
First-time savers
Goal-based saving
People saving daily
Rewards-driven savers

What it does well

Savings targets
Consistent saving habits
Daily interest earnings
Mutual fund investing
Rewards redemption

Things to check

Mutual fund details
Interest rate changes
Withdrawal rules
Reward earning rules
AI tip usefulness

Phundit is a mobile savings app for individuals in Ghana who want to build an emergency fund by saving consistently, tracking progress, and earning interest.

Key features include:

Emergency Fund Builder: set a savings target, make regular deposits, and track progress toward an emergency fund goal.
Daily interest via mutual fund: deposits go into a mutual fund so savings can grow with interest (investment fees may apply).
Rewards (Phundit Coins): earn coins for consistency, streaks, milestones, and completing financial education videos, then redeem for items such as data, ECG prepaid, and DSTV.
Zoe AI (beta): an in-app assistant that provides tips, reminders, and encouragement based on saving habits.
Security and support: multi-factor authentication, funds held with regulated partners (SEC-licensed and BoG-regulated institutions), plus 24/7 support.

Available on Android and iOS.

Built for young Ghanaians and early-career professionals who want a structured way to save for financial emergencies.

Notable in the Ghanaian market for combining emergency savings with daily-interest mutual fund investing, plus localized rewards that can be redeemed for common services like ECG prepaid and DSTV, alongside an AI guidance feature in beta.

As of Jun 29, 2026, Phundit is rated 3.8 on the App Store from 6 reviews and 4.9 on Google Play from 7 reviews with 500+ installs.

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