Understand your money on WhatsApp.
Track a business, your personal spending, or a shared family budget by message, voice note or receipt. Peni turns confirmed activity into clear records, budgets and reports.
- Works on any phone
- English & Pidgin
- Your data stays yours
Peni
Your bookkeeper
Sale · ₦135,000
Customer: Mr Okafor · Category: Sales
Reply Yes to save or tell me what to change.
Expense · ₦18,500 · Fuel & power. Save it?
You're up ₦242,500. 👏
How it works
Bookkeeping in the chat you already use
- 1
Tell Peni what happened
Send a WhatsApp message, a voice note or a photo of a receipt, the way you'd tell a friend. English or Pidgin.
- 2
Peni writes it in your books
Peni reads the amount, the customer and the category, then asks you to confirm. Nothing is saved without your OK.
- 3
Know how your business is doing
Daily and weekly summaries, profit and loss, and plain-language tips on where your money is going.
See it in action
One minute on WhatsApp with Peni
Watch a shop owner set up in a minute, record a sale by text, a voice note and a receipt photo, then ask for today's profit. All in the chat she already uses.
- Set up by saying hi
- Record sales and expenses in plain words
- Voice notes and receipt photos
- Profit whenever you ask
Concept demo with sample figures. Peni launches in December 2026.
Features
Everything a small business needs to know its numbers
Text, voice or photo
Record sales and expenses by chat, voice note or receipt photo. No forms, no spreadsheets.
Proper books, automatically
Every entry goes into real double-entry books, so your records hold up when a bank or adviser looks at them.
Reports in one tap
Profit and loss, cash flow and expenses by category, as a WhatsApp message or a PDF you can share.
Advice you can understand
Peni spots rising costs, slow days and changes in your margin, and explains them in plain words.
Talk to a real adviser
Book a call with a financial adviser and share only the records you choose, for as long as you choose.
Ready when you need funding
Months of clean records make it easier to apply for loans and grants.
Pricing
Simple, honest pricing
Personal is ₦500 monthly, Family is ₦1,500 monthly, and Business starts at ₦2,000 monthly. Pay for longer and save. Every account starts with a free week, and you can cancel any time.
Personal · ₦500/month
Income, daily spending, budgets, savings goals, reports and optional adviser support—private to you.
Family · ₦1,500/month
One household plan with shared budgets and invited family members. Personal spaces stay separate.
Businesses with branches
Your main branch is included in the plan above. Each additional branch adds ₦1,000 for every month in your selected term. Example: a business with three branches adds ₦2,000 monthly, ₦6,000 for 3 months, ₦12,000 for 6 months, or ₦24,000 for one year.
Your free week needs no payment. After it, choose a plan to keep going. Cancel any time — your books and reports stay on until the end of the period you've paid for, then pause until you subscribe again. Nothing is ever deleted.
On the web too
See the whole picture when you sit down
WhatsApp is for recording on the go. The Peni dashboard is for reviewing: every transaction, your cash flow over the months, where your money went, and reports ready to download.
Create a business accountMama Ada Foods
OctoberMoney in
₦1.8M
Money out
₦1.2M
Profit
₦625K
Cash flow
Sample figures
For financial advisers
Work with business owners who have real records. Set your own prices, share exactly what each client allows, and get a clear briefing before every call. Sign up and get approved to start.
Become an advisorFor government, NGOs and grant programs
Invite beneficiary businesses by their Peni WhatsApp numbers, track approved grant spending and receipts with their consent, and investigate AI-flagged discrepancies from your own portal.
Register your organizationSecurity & privacy
Your records are private, and they stay yours
We never hold your money
Peni keeps records. It doesn't take deposits, move money or lend.
Private by design
Each business's data is walled off from every other, enforced inside the database itself.
You decide who sees what
Sharing with an adviser or program needs your consent, and you can take it back.
Your data, on request
Ask for a copy of your data or for it to be deleted at any time, as Nigerian data-protection law provides.
FAQ
Questions people ask us
Is Peni a bank?
No. Peni does not hold, send or lend your money. It keeps your business records and helps you understand them. Any money services in future will be offered with licensed partners.
Do I need to download an app?
No. You can do everything on WhatsApp. There is also a website for viewing reports and a mobile app on the way, if you want them.
What languages does Peni understand?
English and Nigerian Pidgin to start, including voice notes. When Peni isn't sure, it asks you instead of guessing.
Who can see my records?
Only you and the people you add to your business. If you book an adviser, you choose exactly what they can see and for how long.
How much does it cost?
Personal accounts are ₦500 a month, family accounts are ₦1,500 a month, and business accounts start at ₦2,000 a month plus ₦1,000 per additional branch. Every account starts with a free week.
Start keeping your books today
Business owners use the WhatsApp number they will message Peni from. Organizations register through a separate verified account.