SME Ledger
Sales and expenses 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. No manual math.
VAT threshold alert
Get notified as you approach the GHS 750,000 annual turnover threshold for VAT registration.
Simple reports
See total revenue, expenses, and profit at a glance. Export for your accountant or GRA.
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.
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, you'll get a heads-up — so you can plan for VAT registration if needed.
Built for Ghanaian SMEs
Many small business owners in Ghana manage money in notebooks or scattered spreadsheets. The SME Ledger gives you a clean, digital record. When it's time to file taxes or talk to an accountant, you're 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, where it goes, and how much stays as profit.