Financial management made simple
Everything you need to manage, track, and grow your business finances — from expense approvals and invoicing to payroll, ledger, and AI-powered bookkeeping. Built for African SMEs, modular by design.
Income Tracking
Monitor every revenue stream with precision. Categorize income sources and see what's driving growth across branches and projects.
Expense Management
Track expenses with receipt attachments, smart categories, multi-currency support, and bulk spreadsheet import.
Expense Approvals
Multi-level approval workflows with flexible roles, auditor gates, and finance remarks — not rigid CFO-only chains.
Anomaly Detection
Proactive scans for duplicates, outliers, missing receipts, budget overruns, and stale approvals — with optional approval blocking.
Bank & MoMo Sync
Import transactions from Ghana banks and MTN Mobile Money. Review and reconcile in one inbox.
AI Categorization
AI suggests categories for imported bank transactions. Auto-apply above a confidence threshold to speed up bookkeeping.
Customer Directory
A centralized hub for clients with billing contacts, tax IDs, and transaction history.
Billing & Subscriptions
Track recurring vendor spend and subscriptions. Auto-create expense records when renewals hit.
Payroll & HR
Run payroll with Ghana SSNIT settings, statutory deductions, and automatic expense posting.
General Ledger
Chart of accounts, auto-posting from approved activity, bank reconciliation, and journal audit tools.
Smart Categories
Organize transactions with nested labels tailored to your business structure and departments.
Recurring Invoices
Automated invoicing for retainers, subscriptions, and service contracts with scheduled generation.
Tax & Filings
Configure Ghana VAT, PAYE, and SSNIT rules. Manage filing periods and stay compliant.
Invoicing & Payments
Professional invoices, public payment links via Paystack and Flutterwave, and collections tracking.
Inventory, POS & Orders
Retail POS checkout plus a separate orders workflow for restaurants — with stock sync to your ledger.
Projects & Time
Tag work by project, log weekly timesheets, and see project profitability in reports.
Trial Balance
Verify debits and credits at period close. Spot imbalances early and keep your ledger audit-ready.
Balance Sheet
See assets, liabilities, and equity in one view. Understand your financial position at any point in time.
Cash Flow
Track money in and out across operating, investing, and financing activities with clear period views.
Projections
Model future revenue, expenses, and runway with scenario-based financial forecasts.
Integrations
Paystack, Stripe, Flutterwave, QuickBooks, Salesforce, and email providers — connected in one place.
Audit Log
Every change is timestamped and traceable. Export complete activity trails for compliance and reviews.
Profit & Loss
Clear performance reporting with department, branch, and project filters plus PDF export.
Currency Conversion
Built-in multi-currency tool for GHS, USD, NGN, and more — with real-time exchange rates.
Got Questions? We’ve got answers.
How secure is my financial data?
We use top-tier encryption and follow industry best practices to keep your information safe. Your privacy and security are our highest priorities.
Can I manage multiple currencies?
Absolutely! Our platform supports real-time currency conversion. You can manage accounts and transactions in multiple currencies without hassle.
Will this work for my small business?
Definitely. Start free with expense tracking and approvals, then upgrade to Starter, Growth, or Pro when you need invoicing, payroll, ledger, and more. Custom Premium lets you add modules à la carte on top of Pro.
Do I need accounting experience to use this?
No accounting degree required. Smart categories, AI-assisted bank imports, and guided onboarding help you stay organized. Full ledger and reporting tools are there when you're ready.
Is there a free version?
Yes. The free tier includes expense tracking, expense approvals, and currency conversion — forever, with no credit card required.
Can I invite collaborators or team members?
Yes. Invite teammates with role-based access — owner, approver, adder, viewer, cashier, accountant, or auditor. Pro supports teams up to 50 members; Starter and Growth have lower seat limits.
Does ParmLedger work offline?
Yes. Create and update records offline — expenses, invoices, orders, and more — and sync automatically when you're back online.
Is it built for businesses in Ghana and Africa?
Yes. ParmLedger supports Ghana cedis, MTN Mobile Money sync, Paystack and Flutterwave payments, SSNIT payroll settings, and Ghana tax filing workflows.