Cashflow
Accounting software your accountant trusts — and your whole business runs on
A real double-entry ledger that keeps itself up to date from every invoice, bill, payment and payslip — with bank reconciliation, budgets, fixed assets, multi-currency, NRS e-invoicing and PAYE built in. One platform for the accounting team, the owner and everyone in between.
- ✓ 14-day free trial of everything
- ✓ No card needed
- ✓ Priced in Naira
Made for Accounting teams, finance leads & business owners — small business to enterprise
Built for everyone who touches the numbers
For your accounting team
- ✓Journals post themselves from sales, purchases, banking and payroll
- ✓Reconcile bank accounts against imported statements
- ✓Profit & loss, balance sheet and trial balance on demand, with CSV export
- ✓Period lock and a one-click year-end close
For business owners
- ✓See cash, what you're owed and what you owe — today, not at month-end
- ✓Sales, VAT and payroll costs without waiting for a spreadsheet
- ✓Approvals before big invoices or bills go out
- ✓Every change recorded: who, what and when
From small business to enterprise
- ✓Start free, grow into unlimited users and companies
- ✓Custom roles — give each person exactly the access they need
- ✓Separate books per company, one login for the group
- ✓A developer API to connect your own systems
Up and running in three steps
Set up your books
Nigerian chart of accounts ready; opening balances in one guided screen.
Work as usual
Invoices, bills, bank lines and payroll post journals automatically.
Close with confidence
Reconcile, review the trial balance, lock the period, file remittances.
Accounting that keeps itself up to date
Automatic bookkeeping
Invoices, payments, bills, expenses, POS shifts and payroll post balanced journals for you.
Bank reconciliation
Import statements, match them to your books, and let bank rules categorise lines automatically.
NRS e-invoicing
Submit invoices for an IRN, print the QR code, and verify customer TINs against the NRS.
Payroll that files itself
PAYE, pension and NHF on every payslip, with remittance schedules by state and PFA.
Budgets & forecasting
Set budgets by account and track actuals against them month by month.
Controls & audit trail
Period lock, approval rules, custom roles and a record of every change.
The complete accounting toolkit
Everything a finance team expects — and nothing that needs a separate app.
Ledger & close
- ✓Nigerian chart of accounts, fully editable
- ✓Manual and recurring journals, with drafts and reversals
- ✓Trial balance at any date
- ✓Opening balances in one guided screen
- ✓Period lock and a one-click financial year close
Banking & cash
- ✓Current, savings, domiciliary, wallet and cash accounts
- ✓Bank statement import and reconciliation
- ✓Bank rules that categorise lines for you
- ✓EMTL and SMS-alert charges posted automatically
- ✓Transfers between accounts
Receivables & payables
- ✓Invoices, receipts, credit and debit notes
- ✓Vendor bills, purchase orders and vendor credits
- ✓Recurring invoices, bills and expenses
- ✓Payment reminders and online payment links
- ✓Who owes you, and who you owe, at a glance
Tax & compliance
- ✓VAT on every document, output and input tracked
- ✓NRS e-invoicing: IRN, CSID, QR code, TIN checks
- ✓PAYE, pension and NHF with remittance schedules
- ✓TIN on your business, customers and vendors
Assets & currencies
- ✓Fixed asset register with monthly depreciation
- ✓Disposals with gain or loss worked out
- ✓Multi-currency documents and bank accounts
- ✓FX revaluation (currency adjustments)
Reporting & control
- ✓Profit & loss (with period comparison), balance sheet and trial balance
- ✓Custom report builder with CSV export
- ✓Budgets vs actuals
- ✓Approval rules, custom roles, full audit trail
- ✓Several companies under one login
Every transaction lands in the right account — automatically
Switch on auto-posting and the ledger keeps itself — no month-end catch-up, no re-keying from other systems.
Why businesses switch to Cashflow
Global tools like Zoho Books and QuickBooks are built for everywhere. Cashflow is built for how Nigerian businesses actually sell, pay and file.
| Cashflow | Global accounting apps | Spreadsheets | |
|---|---|---|---|
| Double-entry ledger that posts itself from every transaction | ✓ | ✓ | ✕ |
| Bank statement import, reconciliation & bank rules | ✓ | ✓ | Manual |
| EMTL & SMS-alert bank charges posted automatically | ✓ | Manual | Manual |
| NRS e-invoicing: IRN, QR code & TIN checks | ✓ | Rarely built in | ✕ |
| PAYE, pension & NHF payroll with remittance schedules | ✓ | Often a separate app | Manual |
| Invoicing, purchases, inventory, POS & payroll in the same ledger | ✓ | Often separate products | ✕ |
| Several companies under one login | ✓ | Varies | Separate files |
| Priced in Naira | ✓ | Often USD pricing | — |
"Global accounting apps" describes what's typical of international products such as Zoho Books or QuickBooks, not a specific plan — their features and prices change, so check their current offer. Some Cashflow features depend on your plan; see pricing.
Simple Naira pricing
Start free. Every account gets a 14-day trial of every feature — no card needed.
For a solo business finding its feet
- ✓Up to 100 invoices, proformas & quotes
- ✓1 user
- ✓1 business
- ✓Bank ledger
For a small team selling every day
- ✓Everything in Starter
- ✓Unlimited invoices, proformas & quotes
- ✓Up to 5 users
- ✓2 businesses
For a growing company that needs its books
- ✓Everything in Growth
- ✓Up to 20 users
- ✓5 businesses
- ✓Inventory & warehouses, with stock reports
For multi-entity operations at scale
- ✓Everything in Business
- ✓Unlimited users & businesses
- ✓Retail & POS
- ✓Payroll (PAYE, pension, NHF)
Questions, answered
Is this proper double-entry accounting?+
Yes. Every posting is a balanced journal against a full chart of accounts, with a trial balance, period lock and a year-end close that moves income and expenses into retained earnings.
Can our accountant or finance team use it?+
Yes — invite them with the Accountant role, or build custom roles scoped to exactly the areas each person needs. Every change is recorded in the audit trail.
We run several companies. Does it handle that?+
Yes. Each company keeps its own books, numbering, bank accounts and tax settings, and one login switches between them. Higher plans remove the limits on users and companies.
Is NRS e-invoicing really included?+
Yes. Submit invoices for an IRN from the invoice page, print the NRS QR code on the PDF, and check TINs against the NRS directory. Practise in the sandbox, then go live with your own credentials.
Does payroll handle Nigerian deductions?+
Yes. PAYE with the Consolidated Relief Allowance, 8%/10% pension and 2.5% NHF — with payslip PDFs and remittance schedules by state and PFA.
Can we switch mid-year from Zoho, QuickBooks, Sage or spreadsheets?+
Yes. Set every account's opening balance in one guided screen, import your items, and carry on — no hand-written journals.
Your business, finally in one place.
Create your account in under a minute and try everything free for 14 days.
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