Accounting software for NGOs and charities in Ghana

One funder wants spend against an approved budget line by quarter. Another wants a narrative plus a burn-rate table. Your board wants a simple income-and-expenditure summary in cedis. When it all lives in one big spreadsheet, you rebuild each report by hand, and a single mis-typed formula can put your next tranche at risk.

A grant for a health programme in the Northern Region cannot pay for office rent in Accra. But if all the cash sits in one book with no fund tags, you only find out at audit that GHS 40,000 of restricted money covered general running costs — and now you are explaining a variance you cannot undo.

Charitable status does not switch off tax. You still need a TIN, you still withhold tax on consultants and rent, and if the trading side of your work (training fees, a social enterprise shop, publications) pushes taxable supplies past GHS 750,000 in goods, VAT registration and the VAT and Levies Return enter the picture. Most small NGOs guess, and guessing is expensive.

Fuel slips from a field trip to Tamale, a market receipt for workshop refreshments, a mobile money confirmation for a per-diem. They come as photos on WhatsApp, folded paper in a bag, and screenshots. By the time your accountant sees them, nobody remembers which grant they belonged to.

Tag every transaction to a fund, grant or project the moment it is recorded, so restricted and unrestricted money never blur. Set a budget per grant line and Tallium AI shows spend, commitments and remaining balance in real time — so you know in month three, not month eleven, that the training line is running hot.

Income and expenditure by fund, budget-versus-actual by grant line, cash position, and spend by project or region — all produced from the same books, in seconds. Export to PDF or spreadsheet for a funder pack, and hand your auditor a clean, drillable trail from summary figure to original receipt image.

Tallium AI records your TIN, keeps taxable and non-taxable activity separate, and tracks VAT on the income and purchases that genuinely fall in scope so a VAT and Levies Return is a report rather than a reconstruction. If GRA's E-VAT requirements apply to your invoicing, your sales records are already structured and dated for it. Confirm current rules with GRA or a local tax professional.

Staff photograph a receipt on the mobile app wherever they are and the AI reads the supplier, date, amount and tax, then suggests the category and the fund. Approvals happen on a phone. Unlimited users means every field officer and volunteer gets a login at no extra cost — you are never rationing seats to save money.