Set what you expect to earn and spend. Record what happens. pennivault shows your spending against your plan, category by category, so you know what's left before the month runs out.
It's 12 October. You planned ₦80,000 for food and groceries this month. You've spent ₦52,400 so far, so you have ₦27,600 left for the rest of October.
Your balance in pennivault is what you've recorded coming in minus what you've recorded going out this month. It isn't your bank balance, and pennivault never holds your money.
Use one or both. pennivault works fully with the first.
Type the amount, pick a category, done. No bank login and no email connection needed.
Your bank already emails you when money moves. Connect Gmail and pennivault turns those alerts into transactions for you.
You stay in control. Pause or remove Gmail any time. Removing it stops new imports, and the transactions already imported stay until you delete them.
Gmail connectedEverything pennivault does right now is free. There's no trial and you don't add a card.
Where you can use it
In your browser, on your phone or computer. Android and iOS apps are built and on their way to the stores.
What signing up takes
Your name, email and a password, then a 6-digit code we email you to confirm it's you. Or sign up with Google in one step.
Worth knowing
If pricing ever changes, we'll tell you before it affects your account.
Right now, your feedback is worth more to us than your money. So pennivault is free while we make it better with the people using it. No ads, and we don't sell your data.
Everyone using pennivault today is helping build it. Tell us what's missing, what's confusing or what you wish it did. What you tell us decides what we build next.
pennivault is a free monthly budgeting app. You set what you expect to earn and spend for the month, record what you actually spend, and see the two side by side, category by category. You can add transactions yourself, or connect Gmail so your bank alerts are added for you. It works in your browser and doesn't connect to your bank.
No. pennivault isn't a bank or a wallet. It only shows what you record or import, so your money stays where it is.
Imports run in the background, so a new alert can take a little while to appear. Gmail import also only reads Naira (NGN) alerts, and some alert formats aren't recognised yet. You can always add a missing transaction yourself.
Still have a question? Contact us
Create your account, add what you expect to earn and spend, and start recording. You'll see your spending against your plan from the first transaction.
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