# Phundit — Financial Clarity Starts Here > Personal finance app for emergency funds, investing, and financial guidance. (iPhone/iPad app by Phundit.) - Source: https://appshunter.io/ios/app/phundit/id6447490820 (this page in markdown: same URL + `.md`) - Developer: [Phundit](https://appshunter.io/developer/1681511849) - Category: Finance - Price: Free - Rating: 3.90/5 from 9 App Store ratings · 2 written reviews indexed - Age rating: 17+ - Requires: iOS 15.6 · 197 MB - Languages: American English - Released: 2025-07-01 - Data updated: 2026-09-10 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/phundit/id6447490820/reviews.md ## What is Phundit? Build your emergency fund, invest with guidance, and stay financially healthy — all in one app. Life happens. Phundit helps you build an emergency fund so surprises don’t turn into debt. Set a target, deposit consistently, and track your progress as you build real financial stability. With Phundit, you can: ● Build an Emergency Fund that protects you — set a target and track progress. ● Save consistently, your way — automated or flexible deposits that fit your income. ● Earn interest while you build your emergency fund — your Emergency Fund is invested in a money market mutual fund, so your money works while you save. ● Choose the right investment style for each goal — access different fund options for different goals. ● Get guidance when you’re unsure — Zoe helps you make smarter money decisions. ● Stay motivated — streaks, milestones, and rewards for consistency. Join thousands using Phundit to build emergency funds, earn interest, and stay financially consistent. Phundit is designed with security in mind. Your funds are managed through SEC-licensed and BoG-regulated partners, and your activity is protected with modern security standards, so you can focus on building your financial future. Your Emergency Fund is invested in a money market mutual fund, with other fund options available for different goals. Returns can vary, but we’re built to help you save consistently, stay informed, and stay in control. Start your Emergency Fund today ## Key features - Build emergency fund with target setting - Automated or flexible deposits - Earn interest on emergency fund - Choose investment styles for goals - AI financial guidance - Motivation through streaks and rewards ## Recent user reviews (2 of 2) All indexed reviews: https://appshunter.io/ios/app/phundit/id6447490820/reviews.md ### 3/5 — Bugs *2026-07-03* Whatever bugs that insist i verify my email, I have. For like 10 times. ### 4/5 — Phundit *2026-04-30* Good app so far. Interface is easy to navigate. ## Frequently asked questions about Phundit ### How does Phundit help build an emergency fund? Phundit allows you to set a specific target for your emergency fund and make consistent deposits, either automated or flexible. You can track your progress towards financial stability directly within the app. ### Can I earn money while saving in Phundit? Yes, your Emergency Fund in Phundit is invested in a money market mutual fund, allowing your money to earn interest while you save. Other fund options are available for different financial goals. ### What kind of financial guidance does Phundit offer? Phundit features an AI assistant named Zoe, designed to help you make smarter money decisions. It provides guidance when you're unsure about financial choices. ### Is my money safe with Phundit? Phundit is designed with security in mind. Your funds are managed through SEC-licensed and BoG-regulated partners, and your activity is protected with modern security standards. ### What are the investment options in Phundit? Your Emergency Fund is invested in a money market mutual fund. Phundit also provides access to different fund options tailored for various financial goals, allowing you to choose the right investment style. ### Does Phundit have ads? Yes, Phundit contains advertisements. As a free application, it is supported by ads to provide its services to users. ### What devices does Phundit support? Phundit is currently supported on iPhone and iPod devices. It is designed for iOS users looking to manage their finances. ### How often is Phundit updated? The latest version of Phundit is 1.0.29, and it was last updated on May 23, 2026. Updates ensure the app remains reliable and secure. ## Version history (last 5 releases) ### 1.0.43 — 2026-09-05 Introducing the After School Fund Feature The After School Fund is a goal-based investment product designed for students in Ghana. Users set a financial target and a graduation date, and the app tracks their progress toward having money ready for life after school. Funds are invested in a regulated mutual fund (FIAP — Fixed Income Alpha Plus) managed by Blackstar Advisors and regulated by the SEC of Ghana, earning interest (users earned 16% in 2025). Currency is GHS (Ghanaian Cedis). Setup flow: 1. Plan selection — user picks what the money is for: NSS/relocation, starting a business, furthering studies, or "still figuring it out" 2. Graduation date — pick expected graduation year and month 3. Target amount — set a savings target with quick-select chips and breakdown cards 4. Discipline lock — choose "Full Discipline" (no withdrawals until graduation) or "Partial Discipline" (can withdraw up to 50% of balance, once every 30 days) 5. Confirm lock — slide-to-confirm with explicit acknowledgement switches ("Even if life changes, my money stays locked until then") 6. Terms & conditions — accept terms 7. Success — shows target, mentions interest earning, auto-deposit availability, and that funds are SEC-regulated Withdrawal discipline modes: - Full Discipline: completely locked until graduation date - Partial Discipline: up to 50% of balance, once per 30-day period, with countdown to reset ### 1.0.42 — 2026-09-01 - Remove image cropping on KYC for seamlessly identity verification - Fixes issues of peer comparison profile picture not showing - Fixes issues of missing email during KYC submission - Includes internet connectivity checker toast notification - Fixes total deposit and withdrawals count on challenges feature - Includes user experience improvement for momo selection during withdrawal - General bug fixes and improvements ### 1.0.41 — 2026-08-18 - Fixes issue where deposits does not reflect in challenges - Fixes challenges leaderboard - Bug fixes and improvements ### 1.0.40 — 2026-08-06 What's New: Introducing Challenges: Push your financial goals further with our brand-new Challenges feature. Stay motivated and track your progress! iOS Referral Fix: Resolved an issue where referral links were not working correctly on iOS. Smoother Login: Fixed navigation glitches during sign-up and sign-in for a seamless start. Better Performance: General bug fixes and under-the-hood improvements to keep the app running smoothly. ### 1.0.37 — 2026-07-13 What’s New in This Release! We are always looking for ways to improve your experience, and this update is all about making sure you get the help you need, faster than ever. What's new: Zendesk In-App Messaging: Connect with our support heroes in real-time through our new built-in chat. Just tap the Support button to get started! Smart Notifications: Don't want to wait around for an answer? You don't have to! We'll send you a push notification the moment we reply. ## Apps similar to Phundit | App | Rating | Price | Category | | --- | --- | --- | --- | | [Pluto Finance Coach](https://appshunter.io/ios/app/pluto-finance-coach/id6478162055) | — | Free | Finance | | [Addition Finance](https://appshunter.io/ios/app/addition-finance/id1593268538) | — | Free | Finance | | [Amplifi: Financial Freedom](https://appshunter.io/ios/app/amplifi-financial-freedom/id6738584656) | 4.7 (14) | Free | Finance | | [Astute: Money Manager](https://appshunter.io/ios/app/astute-money-manager/id6502467581) | 5.0 (1) | Free | Finance | | [Arta Finance](https://appshunter.io/ios/app/arta-finance/id1666186495) | 4.5 (40) | Free | Finance | | [Bezo - Save & Send Money](https://appshunter.io/ios/app/bezo-save-and-send-money/id6447621019) | 2.8 (16) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-10.*