Accounting software built for sole traders in Ghana

One customer pays MTN MoMo, another sends a bank transfer, a third pays cash and a fourth pays half now and half next month. By the end of the week you genuinely cannot say what came in, and the momo statement on your phone is not a set of books. Matching payments to customers is the single biggest time sink for most sole traders in Ghana.

Handwritten invoice books and WhatsApp screenshots have no memory. There is no list that tells you Kwame still owes GHS 3,400 from six weeks ago, so chasing depends on you remembering — and you are busy earning. Cash flow suffers not because the work was bad but because nobody was tracking the receivables.

As a sole trader you file personal income tax on your business profit, and VAT only becomes relevant once you cross the registration threshold — currently GHS 750,000 in taxable supplies of goods over a twelve-month period. Without running totals you have no idea whether you are near that line, and you find out too late. Confirm current rules and thresholds with GRA or a local tax professional.

Fuel slips, supplier receipts, spare-parts dockets and the trotro fares to a client site all end up crumpled or faded. Come tax time you either spend a weekend sorting them or you simply lose the deductions. Every lost receipt is money you paid tax on that you did not have to.

Record momo, bank, cash and card takings against the customer who paid, in the same app. Tallium AI's bank reconciliation matches deposits to invoices so you can open the app and see exactly what came in this week and what is still outstanding — no more guessing from your phone's SMS history.

Build a professional invoice with your business name, TIN and payment details, send it by email or WhatsApp link, and let Tallium AI track it. It shows you what is unpaid, what is overdue and by how many days, and sends polite reminders automatically so you stop being the one chasing.

Tallium AI keeps a running total of your taxable supplies so you can see how close you are to the GHS 750,000 goods threshold long before you reach it. If and when you register, the VAT and Levies Return logic, GRA E-VAT invoice fields and rate handling are already in the app — you switch it on rather than starting over. Confirm registration timing and current rules with GRA or a local tax professional.

Photograph a receipt with your phone and the AI reads the supplier, date, amount and tax, files it in the right expense category and stores the image. Your deductions are captured at the moment of spending, not reconstructed months later, and everything is searchable when your accountant asks.