Who PennyPlan is for

PennyPlan is designed for the person with the least: a modest Android phone, patchy data, an irregular income and money spread across several places. If it works well for them, it works for everyone with more.

Who	What their money looks like	What they need
A market trader	Daily, irregular income; cash, wallets, POS, weekly ajo	Log in seconds, ideally by voice; know whether today was a good day
A junior staff member or rider	Small monthly or weekly pay; one bank app, transfers, airtime, transport	Know how much is safe to spend until the next payday
A student	Allowance plus side gigs	Simple tracking and small wins to stay consistent
An ajo organiser	Cash and transfers from 10 to 30 members, tracked in a notebook	A clean record of who paid and who is due, with reminders (no money held)
A cooperative, employer or microfinance bank	n/a	Anonymous, aggregate wellbeing reports for their members. Never any individual’s diary

Categories that match everyday life

Airtime and data, transport (bus, keke, okada, ride-hailing), food, money given to family or friends, POS and bank charges, ajo contributions, rent, school fees, giving at church or mosque, and business stock.