A daily money workout.
Three short games, about six minutes a day. Every answer explained.
TRAIN IT
Play it in your browser.
Three quick rounds in your browser. No sign-up, nothing to download.
Small reps. Sharper money.
- 1
Open today's workout
3 short games picked for you — your focus areas, your weakest skills, and questions due for review. About six minutes (members can choose up to 5 games).
- 2
Play, then see why
Every answer is explained — and an AI coach can explain it another way.
- 3
Come back tomorrow
Streaks, levels and leagues turn about six minutes into a habit.
29 games across 10 tracks.
27 or 28 of them where you live, depending on your country. And every day: Cross Math and the Word of the Day.
- Cash Flow Budgeting, and making a month's pay go round. 4
- Savings Building a safety net, one step at a time. 2
- Debt & Credit Borrowing, credit scores and paying debt down smartly. 4
- Spending Seeing what a purchase really costs. 1
- Income Pay, bonuses and tax. 2
- Investing Growth, risk and time. 5
- Loans What a loan really costs you. 2
- Real World Fine print, insurance and scams. 5
- Macro How inflation and interest rates reach your wallet. 3
- AI & FinanceTheorise Pro Telling good AI money advice from bad. 1
In the spotlight
- Cash Flow Budget Bucket Every expense has a place — find it.
- Debt & Credit Debt Rank Find the debt that really costs you most.
- Investing Rocket Growth Feel how money grows over the years.
- Spending Tip Jar Catch the bill that doesn't add up.
- Real World Spot the Scam Learn to spot a scam before it costs you.
- AI & FinanceTheorise Pro AI Audit Check an AI's money tips before you trust them.
Discover the other 23 in the app.
Every answer explained.
The reveal
Right or wrong, you see why — hold the card to keep it on screen.
The coach
Stuck? Ask it to say it simply or show the working. Written by AI, for learning, not financial advice. For signed-in players, with an allowance per plan.
Review and lessons
Your misses come back in Review, and 63 byte-sized lessons are free for everyone.
- Cash Flow
- Savings
- Debt & Credit
- Spending
- Income
- Investing
- Loans
- Real World
- Macro
- AI & Finance
An example radar — yours fills in as you play.
A map of what you know.
Weekly leagues, kindly competitive.
Global, Country and Friends boards. A weekly board that resets every Monday, and metal tiers from Bronze to Diamond. Invite a friend and see their wins in your Inbox.
- Bronze
- Silver
- Gold
- Platinum
- Diamond
Your money, your examples.
Everyday situations
A payday to split, a loan offer to read, a message that might be a scam — the decisions money asks of you, wherever you are.
Multiple languages
Theorise supports multiple languages, and more of it is being translated all the time.
Feel the numbers.
Five free calculators, each linked to the game that makes it stick.
- Compound interest How money grows when interest earns interest. Open
- Loan and APR What a loan costs each month — and the true yearly rate behind a payment. Open
- Budget split Give every part of your pay a job, and see if your savings target fits. Open
- Inflation What prices become, and what your money will buy later. Open
- Savings goal How long until you get there — and what a month it takes. Open
Start free. Stay free if you like.
Plans and prices are shown in the app.
| Free | Theorise+ | Theorise Pro | |
|---|---|---|---|
| Daily workouts | 1 a day (3 games) | up to 3 a day | up to 3 a day |
| Games outside your workout | the game of the week | every game except Theorise Pro's bonus games, any time | every game, any time |
| Bonus games | — | — | AI Audit, and a game for players outside Nigeria who send money to family abroad |
| Coach explanations (written by AI) | 5 a week | 10 a day | 30 a day |
| Streak freezes | start with 2 (hold up to 2); a used one comes back at 14 and 30 days | topped up to 2 every month, hold up to 4, plus Freeze tomorrow | topped up to 2 every month, hold up to 4, plus Freeze tomorrow |
| Streak repairs | 1 a month | 3 a month | 3 a month |
| Member settings | — | workout length (3, 4 or 5 games), workout type, 1 or 3 words of the day | workout length (3, 4 or 5 games), workout type, 1 or 3 words of the day |
Theorise+ opens 26 games, or 27 in Nigeria: every game except Theorise Pro's bonus games. Theorise Pro adds the bonus games, so it is offered even while the coach is off.
Free for everyone, always: lessons, Word of the Day, Crossmath, Review, leagues, every answer's explanation.
Theorise for organisations.
Give your students, staff or members a daily money and safety workout. You see take-up, never answers.
The short answers.
Is it financial advice?
No. Theorise is education — it helps you understand money decisions. It never tells you what to buy.
How long does it take?
About six minutes a day: 3 short games.
Is it free?
Yes. One daily workout, lessons, Word of the Day, Cross Math, Review and leagues are free for everyone.
Do I need an account?
Yes — your progress is saved to your account, so you can sign in on another phone and carry on.
Is the coach AI?
Yes, and it is labelled. Its replies are written by AI, for learning, not financial advice.
Who is it for?
Anyone aged 16 or over.
Where does it work?
Nigeria and the rest of the world. Players in Nigeria see their examples in naira; everyone else sees them in dollars.
Is there an Android version?
Yes. Theorise is on Google Play. Install it, then play your first workout.
Does it work on iPad?
Theorise is made for phones. On an iPad it runs as the iPhone app, not yet laid out for the larger screen.
Can I delete my account?
Any time: in the app (Me → Settings → Delete account) or from our delete-account page.
What data do you keep?
Your account, your progress and how the app is used. The Privacy Policy explains what we collect, why, and how long we keep it.
About six minutes. Starting today.
TRAIN IT
Play it in your browser.
Three quick rounds in your browser. No sign-up, nothing to download.
Questions? E-mail us.