Small & Medium Enterprise (SME) Ledger
Sales and expenses for small and medium enterprises (SMEs), with automatic 20% VAT calculations. Get alerted as you approach the GHS 750K VAT threshold.
Key features
Sales & expenses
Log all business income and expenses in one place. Categorize transactions for clear reporting.
Automatic 20% VAT
VAT-inclusive and VAT-exclusive amounts calculated automatically under Act 1151. No manual math.
VAT threshold alert
Get notified as you approach the GHS 750,000 annual turnover threshold for VAT registration.
Monthly P&L summary
See total revenue, expenses, and profit at a glance. Export CSV for your accountant.
Business-ready
Designed for small businesses, traders, and side hustles. No accounting degree required.
All-in-one
Track your business finances alongside personal budgets. One app, full visibility.
VAT Rate (Act 1151)
20.0% Automatic
Registration Threshold
GHS 750K Turnover
How it works
Add your sales and expenses with date, amount, and category. CediWise automatically applies 20% VAT where relevant and keeps a running total of your turnover. As you approach GHS 750,000 in annual turnover (for goods businesses), you'll get a heads-up — so you can plan for VAT registration if needed. Service providers are always required to register regardless of turnover under Act 1151.
Built for Ghanaian small & medium enterprises (SMEs)
Many small business owners in Ghana manage money in notebooks or scattered spreadsheets. The SME Ledger gives you a digital record that is professional and accountant-ready.
Why it matters
Good record-keeping is the foundation of business growth. You can't improve what you don't measure. The SME Ledger helps you see where money comes from and exactly how much stays as profit.
Works best with
- Salary Calculator to understand staff costs alongside your SME revenue.
- Budgeting Tool to connect your business finances to your personal plan.