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Learn to manage your money — for free

Plain-language lessons, budgeting and debt payoff tools, and Uzbekistan bank deposits — all in one place.

Start learningOpen My money
  • Completely free
  • In Uzbek, Russian and English
  • Based on official sources

Where to start?

What do you need right now?

Pick the path that fits your situation. We will show you the next step.

Learn from zero

Short, clear lessons on money, inflation and budgeting.

Put my budget in order

Log income and expenses and see where your money goes.

Get out of debt

A payoff plan for loans and installments with an order and a date.

Grow my savings

Compare bank deposits by rate, term and conditions.

About investing

Roadmap

How ONPUL works

Four steps. Take each one at your own pace.

  1. Learn

    Start with the basics: money, inflation, budgeting. Each lesson takes 5–10 minutes.

  2. Track

    Log income and expenses — by the end of the month you will know where the money went.

  3. Plan

    Set goals, build an emergency fund and make a plan to pay off your debts.

  4. Grow

    Put spare money in a deposit, then get to know investing.

The account is free. It saves your data so you can continue from any device.

Learning path

8 modules — from basics to investing

Read in order: each module prepares you for the next one.

See the whole path
  1. Module 1

    Money basics

    How money works, inflation and first steps

    2 articles

  2. Module 2

    Budget & spending

    Learn to control income and expenses

    3 articles

  3. Module 3

    Goals & savings

    Emergency fund and financial goals

    3 articles

  4. Module 4

    Getting out of debt

    Loans, installments and microloans without traps

    4 articles

  5. Module 5

    Bank deposits

    How to choose a deposit and protect money

    2 articles

  6. Module 6

    Investing

    Stocks, bonds, gold and projects

    4 articles

  7. Module 7

    Islamic finance

    Halal investing and partnership principles

    1 article

  8. Module 8

    Fraud protection

    Pyramids, card fraud and safety

    1 article

Deposits

Top UZS deposit rates

Three offers by annual rate. The full list, filters and calculator are on the deposits page.

  • TBC Bank

    Muddatli omonat

    Term: 24 months · As of 22.09.2026

    23.5%

    per year

  • SQB

    Kelajak

    Term: 24 months · As of 22.09.2026

    23%

    per year

  • InfinBANK

    Yuksalish

    Term: 13 months · As of 22.09.2026

    23%

    per year

Rates are valid as of the date shown. Check the terms with the bank before opening a deposit.

Compare all deposits

Learn by playing in Telegram

Limitless is a financial literacy quiz with duels against friends. Reinforce what you learn through play.

About the game

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Financial order starts today

Create a free account: your budget, goals and debts are saved, and you pick up right where you left off.