How Gwiza works

Step 1 — Set up your income

Tell Gwiza your salary, payday date, and receiving account. This is the foundation everything else is built on.

Step 2 — Build your plan

Advisor Gwiza recommends how to split your salary across emergency fund, debt, investments, and daily expenses. You adjust. You commit. RWF amounts, not percentages.

Step 3 — Payday arrives

On your payday date, Gwiza activates your execution plan. Every allocation fires automatically — emergency fund, debt repayment, investment, free cash ceiling — to the exact destinations you chose.

Step 4 — Money moves automatically

Gwiza routes each allocation to its destination — bank account, investment instrument, or any other account you connected. No manual transfers. No remembering. Your plan executes the same day your salary arrives, before you have a chance to spend it on the wrong things.

Step 5 — Track and grow

Your goals progress month by month. Your debt balance reduces. Your investments compound. Gwiza shows you the real picture — returns after Rwanda's 12.3% inflation, not just nominal rates.