pennivault does the maths after bills, budgets and goals — then shows one number you can actually trust.
Home — Safe to Spend
One number.Zero guesswork.
No bank passwords, ever. Add transactions in seconds, or import your bank's own CSV statement.
Import — CSV mappingYour data.Your rules.
Give every naira a job and watch each envelope fill as you spend — with a gentle nudge before you run low.
Budget — EnvelopesBudgets thatbreathe.
Big legible numbers, automatic light and dark, and every amount formatted properly in ₦.
Goals — Light & Dark
Calm bydesign.
Three ways people use pennivault.
Pick the rhythm that fits your life — it all runs off the same one number.
No price tag. No catch.
pennivault is free at launch. Here's what you get — and why it exists.
Free at launch
No tiers, no trials, no card. Join the waitlist and your free plan is locked in.
Other apps · ₦4,500/mo
₦4,500
FREE
Private by design
No bank logins, no trackers. Export or delete your data anytime — it's yours.
Your data stays on your device
Built for the Naira
₦-native budgets, CSV import, and one clear number: what's safe to spend.
I got tired of budgeting apps that wanted my bank password and priced everything in dollars. So I'm building the one I always wanted — private, Naira-first, and free.
Yves KwamehCreatorFrequently asked questions
Quick answers about pennivault — what it costs, how your data is handled, and how it works.
Yes — free at launch. Join the waitlist and your free plan is locked in. No tiers, no trials, no card required.
Can't find what you're looking for? Contact our support team
Be first in line.
Join the waitlist and get early access the moment pennivault opens — plus your free plan, locked in.