Built for Zambian shops, wholesalers & service businesses
Run your books the way ZRA, your bank and your customers expect.
Invoicing, inventory, expenses, payroll and tax in one place, set up around Zambia's VAT, Turnover Tax, PAYE, NAPSA and NHIMA rules — and it keeps working when the network doesn't.
verifiedZRA-ready · works offline · your data lives on your device first
trending_up This month's revenue
K 48,260
▲ 12% vs last month
Invoice #INV-0142
Bags of maize seedK 3,200
Delivery feeK 150
VAT (16%)K 536
check_circlePaid via Mobile Money
Tax Centre snapshot
Turnover Tax5%
NAPSA (employer)5%
TPINLinked
Everything a growing SME needs to manage money, in one dashboard.
No separate spreadsheets for sales, stock and payroll — one place to see what's coming in, what's going out, and who owes you.
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Invoicing & sales
Create and send professional invoices, track payments, and follow up on outstanding balances without digging through paper.
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Inventory
Track stock in and out as you sell, so you always know what's on the shelf before it runs out or ties up cash.
payments
Expenses
Log every cost as it happens, categorised, so month-end doesn't turn into a scramble through till slips.
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Debtors & creditors
Keep a clear list of who owes you and who you owe, with running balances instead of memory and WhatsApp threads.
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Payroll
Run payroll with PAYE, NAPSA and NHIMA calculated automatically for each employee, every pay period.
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Reports
See profit, cash flow and top-selling products at a glance, ready to show a bank or business partner.
Tax Centre, built around Zambian rates.
Your TPIN and business details sit at the centre of every invoice and report, with the current statutory rates already built in.
16%
VAT, applied automatically on taxable invoices
5%
Turnover Tax for qualifying small businesses
PAYE
Bands applied per employee at payroll run
5%+5%
NAPSA contribution, employer and employee
1%+1%
NHIMA contribution, employer and employee
Open an account, and you're recording your first sale within minutes.
1
Set up your business
Add your business name and TPIN once — every invoice, report and tax calculation uses it from there.
2
Capture sales and expenses as they happen
Raise invoices, log expenses and update stock right from your phone or laptop, on the shop floor or on the road.
3
Get reports that are ready when you need them
Pull up profit, tax and payroll reports whenever the bank, a partner or ZRA asks — no re-typing figures the night before.
Offline-first, because load-shedding and network gaps are part of doing business here.
Every entry saves to your device first, then syncs to the cloud the moment you're back online — so a poor connection never stops you from serving a customer.
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Works without the internet
Keep raising invoices and logging sales even when data or Wi-Fi drops. Nothing is lost.
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Syncs automatically
Once you're back online, your records sync in the background — no manual backup step to remember.
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Built for one business at a time
Your business name, TPIN and branding sit at the top of every screen, so records stay clearly yours.
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WhatsApp help, built in
Send an invoice or a question straight to WhatsApp without leaving the app.
SME Accounting Pro
Dashboard
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