Shop owners
Raise a GRA VAT invoice in under a minute. Know what's owed at a glance.
Built for Ghanaian businesses
Your business finances,
fully in order.
Built for Ghanaian SMEs and the accountants who serve them — not a rebadged Xero.
Free during beta. Ghana Data Protection Act 2012 compliant. No ads, ever.
Bookkeeping, invoicing, payroll, and every GRA tax obligation — in one place.
GRA-compliant VAT invoicing·PAYE + SSNIT Tiers 1–3 payroll·Double-entry bookkeeping·Mobile Money reconciliation
Who Ledger is for
Built for the businesses Ghana actually runs on.
Whether you sell, serve, drive, teach, gather, or build — Ledger fits the rhythm of your business, not the other way around.
Salons & barbers
Track daily takings, stylist payouts, and SSNIT in one rhythm.
Uber & Bolt drivers
Fuel, fees, deductions, and quarterly PAYE — all in one place.
Private schools
Tuition invoices, staff payroll, and bookshop VAT in one workspace.
Churches & NGOs
Donations in, expenses out, transparent year-end statements for the board.
Small workshops
Cost a job, raise an invoice, file the withholding tax — without a spreadsheet.
What you can do
Every piece of accounting your business needs
Not a collection of plugins. One coherent system where a sale posts, the VAT comes out, the expense shows up on the P&L, and the filing draft is ready on the 14th of next month.
Double-entry bookkeeping, done right
Full general ledger, journal entries, chart of accounts. Post a sale and the books balance themselves. Reviewable audit trail on every change.
- General Ledger
- Journal Entries
- Chart of Accounts
- Audit Trail
Invoices and expenses in one flow
Raise GRA-compliant VAT invoices with your TIN and VAT number. Log bills and receipts with a photo. Track who owes you and who you owe.
- VAT Invoicing
- Expense Capture
- Receivables & Payables
- Contacts
Bank feeds and reconciliation
Upload a CSV or statement, match every transaction to a ledger entry, and close the month in minutes — not days.
- Bank Statements
- Reconciliation
- Multi-bank support
Payroll with PAYE and SSNIT built in
Run payroll for your staff with automatic PAYE, SSNIT Tier 1–3, and net-to-bank payouts. Payslips emailed or sent on WhatsApp.
- PAYE Calculation
- SSNIT Tiers 1–3
- Payslips
- Net-to-bank
Tax: every GRA obligation tracked
VAT, PAYE, Withholding Tax, Provisional Tax, Corporate Income Tax. Deadlines calendar, overdue alerts, one-click filings drafted for your accountant's review.
- VAT Returns
- PAYE Remittance
- Withholding Tax
- Provisional & Corporate Income Tax
- GRA Filings
Financial statements that balance
Profit & Loss, Balance Sheet, Cash Flow, Trial Balance, Capital Statement, Expense and Income Registers. All live — no spreadsheet rebuilds.
- P&L
- Balance Sheet
- Cash Flow
- Trial Balance
Calculators for quick answers
Stand-alone calculators for PAYE, VAT, Withholding Tax, Corporate Tax, and Personal Income Tax — for when you just want a number.
- PAYE
- VAT
- WHT
- Corporate Tax
- Income Tax
Knowledge when you need it
Built-in guides on GRA rules, SSNIT schedules, VAT thresholds, and how to read a Balance Sheet. Written for Ghanaian SMEs, not imported from US textbooks.
- Tax Knowledge
- How-to Guides
- GRA Rule References
Built with the people who use it
Why Ghanaian teams trust Ledger.
0+
Ghanaian businesses served *
0+
VAT invoices raised *
GHS 0.0M+
Tax filed via Ledger *
* Placeholder values — replace with real figures before launch.
“[TEMPLATE — REAL QUOTE PENDING]”
[Name pending]
Shop owner · Accra
“[TEMPLATE — REAL QUOTE PENDING]”
[Name pending]
Salon owner · Kumasi
“[TEMPLATE — REAL QUOTE PENDING]”
[Name pending]
Independent accountant · Tema
“[TEMPLATE — REAL QUOTE PENDING]”
[Name pending]
Church administrator · Takoradi
Two angles, one tool
Two audiences. One codebase.
For business owners
You don't have an in-house accountant and don't want to pay GHS 5,000/month for one. You want to know: am I profitable, what do I owe GRA, and did I miss a deadline.
- See cash position in one glance
- Raise a VAT invoice in under a minute
- Get a nudge before a filing is late
- Export everything for your auditor at year-end
For accountants
You manage 10, 30, or 100 client books. You want clean double-entry, fast reconciliation, GRA-ready filings, and an audit trail you can stand behind.
- Client portfolio view (coming soon)
- Import bank CSVs, post in batch
- Trial Balance with drill-through to journal
- Review-and-approve workflow for client entries
Built for Ghana
Not a generic accounting tool with a currency switch.
Ghana VAT thresholds, PAYE brackets, SSNIT contribution tiers, withholding rates, and provisional tax quarters — all wired into the calculations, not asked of you as inputs. Mobile Money (MTN, Vodafone, AirtelTigo) reconciles as a native bank account. The chart of accounts ships with categories Ghanaian auditors actually use.
Owned and built by Ghanaians. Hosted on Ghana-readable CDNs. GDPA 2012 compliant.
Ready to put your books in order?
Free through beta. Start a workspace in 60 seconds. Cancel any time with a one-click export of all your data.