Notho is the money-skills app built for South Africa. Learn how money actually works here, in Rands, with local banks and local costs, through lessons short enough to finish on the ride home.

LEARN IN 2 MINUTES A DAY
Short, interactive lessons on budgeting, saving, debt, credit and the basics of investing. Every lesson ends with a quiz.

SEE WHERE YOUR MONEY WENT
Import your bank statement. Notho sorts the transactions. Built-in support for South African banks. You never give Notho your banking login. You upload your own statement. That is the only way your transactions reach the app.

BUILD A BUDGET YOU WILL ACTUALLY KEEP
Set a target for each category, watch spending through the month, and download a monthly report.

ASK COSMO, YOUR MONEY COACH
Cosmo is an optional AI helper. It is off until you turn it on. It sees anonymised category totals only, never merchant names, descriptions or personal details. It explains. It never sells.

STAY MOTIVATED
Earn XP,;keep a daily streak; take on challenges.

YOUR PRIVACY
- We never sell your personal information.
- We never ask for your banking login or connect to your bank account.
- We do not collect card numbers, account numbers or ID numbers.
- You can export and delete your account and data from inside the app.
- Built to comply with POPIA.

IMPORTANT
Notho is a financial education platform, not a registered financial services provider under the FAIS Act, 2002. Notho does not provide financial, investment, tax or legal advice. Lessons, calculators, budgets and projections are general and illustrative only. For advice about your own circumstances, speak to an FSCA-registered financial adviser.

Questions: support@notho.co.za