One GRA Audit Costs More Than 3 Years of CediWise.
Stay VAT-compliant, audit-ready, and ahead of your GHS 750K threshold — without hiring an accountant. Automatic 20% VAT calculations under Act 1151.
Key features
Sales & expenses
Log all business income and expenses in one place. Categorize transactions for clear reporting.
Automatic 20% VAT
VAT-inclusive and VAT-exclusive amounts calculated automatically under Act 1151. No manual math.
VAT threshold alert
Get notified as you approach the GHS 750,000 annual turnover threshold for VAT registration.
Monthly P&L summary
See total revenue, expenses, and profit at a glance. Export CSV for your accountant.
Business-ready
Designed for small businesses, traders, and side hustles. No accounting degree required.
All-in-one
Track your business finances alongside personal budgets. One app, full visibility.
VAT Rate (Act 1151)
20.0% Automatic
Registration Threshold
GHS 750K Turnover
How it works
Add your sales and expenses with date, amount, and category. CediWise automatically applies 20% VAT where relevant and keeps a running total of your turnover. As you approach GHS 750,000 in annual turnover (for goods businesses), you'll get a heads-up — so you can plan for VAT registration if needed. Service providers are always required to register regardless of turnover under Act 1151.
Built for Ghanaian small & medium enterprises (SMEs)
Many small business owners in Ghana manage money in notebooks or scattered spreadsheets. The SME Ledger gives you a digital record that is professional and accountant-ready.
Why it matters
A GRA audit without proper records can cost far more than any subscription — in penalties, back taxes, and accountant fees. Under Act 915, late filing alone carries a GHS 500 initial penalty plus GHS 10 per day. The SME Ledger keeps you compliant from day one, so an audit is never a crisis.
Works best with
- Salary Calculator to understand staff costs alongside your SME revenue.
- Budgeting Tool to connect your business finances to your personal plan.