Salary plans
Give every pay cycle a start date, an end date, and a job before you spend a naira.
Your salary, organized
Your earnings, simplified.
Turn payday into a plan you can actually keep. Fund your wallet, create smart envelopes, and know exactly where every naira is going.
June plan
Plan activity
IncomeSpending
Recent movement
SFSalary fundedToday+₦450,000
RERent envelopeToday₦120,000
FLFood & livingToday₦45,000
EFEmergency fundToday₦30,000
TRTransportToday₦25,000
Good morning, Dami
Your money plan
DO
Available balance
₦184,500
Add moneyWithdraw
Active envelopes
See all
Rent
₦120,00084% fundedLiving
₦45,00062% remainingSmart envelopes
Allocate money
Amount to allocate
₦80,000₦10k₦25k₦50k
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June is 82% fundedEverything has a place
Core features
One salary. Every priority.
Nothing left to guess.
A calmer way to plan your pay, protect what matters, and spend without second-guessing yourself.
Smart envelopes
Split one plan into rent, food, family and goals—with smaller envelopes inside each one.
One clear wallet
See what is available, what is committed, and what is safely locked at a glance.
Rules that protect you
Flexible or locked funds. You choose the guardrails that make your plan easier to keep.
How it works
From payday
to a clear plan.
Xavault handles the structure so you can focus on living—not constantly recalculating your account balance.
Designed aroundreal monthly income
Fund your Xavault wallet
Move your salary or any amount into one secure balance. Your money stays visible and accounted for.
Build a plan that fits real life
Choose your dates, create envelopes, and preview every allocation before you commit a kobo.
Spend with calm, not guesswork
Follow the plan, see what remains, and withdraw from eligible envelopes when you need to.
Safe by design
Your plan is personal.
We keep it that way.
Secure authentication and clear transaction records give your money the protection—and the paper trail—it deserves.
Secure access
VAULT PROTECTED
Traceable ledger
Protected sessions
Wallet separation
“A budget tells you what you cannot do. Xavault shows you what your salary can do.”
XThe Xavault ideaBuilt for people who want payday to feel lighter.
Early access
Make your next
salary feel different.
Join the early list for product updates and first access when Xavault opens its doors.