Is Smart Business Book free to start?

Yes — better than free to start. Every new business gets Growth, with Kiongozi AI, payroll and unlimited transactions, free for 90 days and no card. After that, keep the free plan — which is a real product, not a demo — or pick one that fits. In Uganda the paid plans start at UGX 9,900 a month; prices are set for each market rather than converted from dollars.

How does the 90-day free trial work?

Sign up and your business is on Growth for 90 days — point of sale, inventory, invoicing, payroll, reconciliation, reports and Kiongozi AI, including its briefings and automations. No card is needed, and when the trial ends nothing is deleted: you choose a plan or continue on the free one.

Which currencies does SBB support?

SBB works in any currency — Ugandan Shilling (UGX), Kenyan Shilling (KES), Nigerian Naira (NGN), Ghanaian Cedi (GHS), US Dollar (USD), Canadian Dollar (CAD), Euro (EUR), and more. Each money location keeps its own currency, and reports and receipts follow the currency you trade in.

Can I import my bank or mobile money statements?

Yes. Upload a bank, MTN MoMo, M-Pesa, or Airtel Money statement (CSV or Excel) and SBB automatically matches every line against your ledger, shows what is missing, flags possible double entries, and imports the missing transactions in one click.

Does SBB work for NGOs, churches, and foundations?

Yes. SBB has a dedicated NGO mode with fund accounting, restricted funds, grant budgets, donor tracking, and donor-ready reports — used by NGOs, churches, community groups, foundations, and schools.

Does SBB have a POS and inventory system?

Yes. The built-in point of sale records sales in seconds, prints thermal receipts, tracks stock levels across locations, and posts every sale straight into your books — no separate POS system needed.

Can my accountant or team use SBB with me?

Yes. Invite team members with role-based access — owners, accountants, and employees each see what they need. Approvals, review queues, and an audit trail keep the books trustworthy.

Can I export my data to Excel?

Yes. The Reports Explorer works like a spreadsheet — filter, sort, group, and pivot your transactions, then export to Excel (.xlsx) or CSV. Financial statements can also be printed or saved as PDF.

For shops, clinics, hostels and hardware

Every shilling,
accounted.

You sell, you buy, you pay people. Smart Business Book turns that day into real books — double entry underneath, plain words on top — and answers what you ask of it without waiting for an accountant.

Start free Walk through a day

No card to start
Keeps selling offline
UGX · KES · NGN · GHS · USD

Cash bookTue 14 · Kampala Rd

08:14Sale — water ×23,000
08:52MoMo — Kisementi Café180,000
09:30Kakira Sugar Works(2,600,000)
10:05Sale — receipt R-104318,700
11:20Fuel — delivery(20,000)
12:41Sale — posho ×337,500

Takings so far 239,200

Kiongozireads your books

How is business this month?

You took in UGX 89,993,500.

Money in	89,993,500
Money out	61,510,000
Net	28,483,500

From 42 entries · 1–25 Sep

Posted today

08:14Sale · 2 × Rwenzori 500ml+ 3,00008:52MoMo in · INV-0139 · Kisementi Café+ 180,00009:30Bill paid · Kakira Sugar Works− 2,600,00010:05Sale · Nido Milk 400g+ 14,50011:20Fuel · delivery boda− 20,00012:41Sale · Posho Super 5kg × 3+ 37,50013:10Wage · Shift A · Aisha− 45,00014:02Card in · INV-0141 · Nakawa Clinic+ 410,00015:36Sale · Salt 1kg × 6+ 7,20016:48Stock in · PO-0058 · 40 crates− 1,196,04308:14Sale · 2 × Rwenzori 500ml+ 3,00008:52MoMo in · INV-0139 · Kisementi Café+ 180,00009:30Bill paid · Kakira Sugar Works− 2,600,00010:05Sale · Nido Milk 400g+ 14,50011:20Fuel · delivery boda− 20,00012:41Sale · Posho Super 5kg × 3+ 37,50013:10Wage · Shift A · Aisha− 45,00014:02Card in · INV-0141 · Nakawa Clinic+ 410,00015:36Sale · Salt 1kg × 6+ 7,20016:48Stock in · PO-0058 · 40 crates− 1,196,043

06:30Morning

The day opens on what needs you.

Not a chart of last quarter. What came in yesterday, what is owed today, and the six things a shop actually does — each one a tap, each one landing in the books the moment you finish.

6 actions: sell, invoice, take a payment, record a spend, pay a bill, pay staff
1 tap: from the home screen to a finished entry

Good morning, Rose.

Yesterday the shop took UGX 3,140,000 and spent 1,215,000.

2 invoices fall due today545,000
Kinyara Sugar 2kg is out of stockreorder
Kakira bill is paid — nothing due before Friday

Money coming in

Sell at the tillNew invoiceRecord a payment

Money going out

Record an expensePay a billPay staff

11:00Through the day

Sheets, not forms.

Your stock list is already in a spreadsheet. Paste the block in and it lands — headings matched, prices parsed, costs and margins worked out. Then click any cell and type, the way you already work.

Paste: a block from Excel, straight below the last row
Ctrl + D: fill down · Ctrl + Z undo · Enter saves
Margin: worked out per line as you set the cost

E6fx= (Price − Cost) ÷ Price

ProductPriceCostMarginStock

Nido Milk Powder 400g14,50011,80018.6%64

Rwenzori Water 500ml1,5001,05030.0%312

Kinyara Sugar 2kg9,0006,50027.8%0

Posho Super 5kg12,5009,40024.8%48

Salt 1kg1,20080033.3%120

Mukwano Oil 1L8,5006,90018.8%36

Omo 1kg7,0005,30024.3%22

7 productsStock at cost UGX 70,512,900

4 rows pasted from ExcelHeadings matched · margins worked out

15:00When they have not paid

Nobody forgets who owes you.

Overdue invoices come to you rather than waiting to be found, with the number of days beside each one. Chase the lot, or send one person a reminder on the app they already answer.

UGX 2.7M: owed across 9 invoices, on this shop’s books
WhatsApp: the reminder goes where they will read it

Owed to you UGX 2,700,000

Not yet due
1–30 days
31–60
60+ days

Pearl Events CoINV-014272 days720,000
Bugolobi Offices LtdINV-013738 days365,000
Ntinda HostelINV-014412 days240,000

Pearl Events Coon WhatsApp

Hello Pearl Events — invoice INV-0142 for UGX 720,000 is now 72 days overdue. You can pay by mobile money here:pay.smartbusinessbook.io/…15:02 ✓✓

So sorry, it slipped. Paying now 🙏15:09

Payment received · UGX 720,000 · posted to the books

17:00And the people you sell to

The whole relationship, on one card.

Open any customer from the list and it is all there — how to reach them, what they have been billed, what is still outstanding, and every invoice on file. No report to run, no second screen.

Still owed: on the customer, not buried in a report
Their invoices: one click from their name

Bugolobi Offices LtdOffice pantry supplies · BugolobiCustomer since Mar

☏ ~~0772 000 000~~✉ ~~accounts@example.co.ug~~

Billed365,000

Still owed365,000

Invoices1

INV-0137 · Office pantry, August38 days365,000

Month end

The books are already done.

Nothing is reconstructed at the end of the month, because nothing was left for then. Every sale, bill and wage posted when it happened, so the statement is a reading of what is there — printable, shareable by a frozen link, ready for whoever asks.

Statements: profit and loss, balance sheet, cash flow
Tax: VAT and withholding worked out for your country
Share: a read-only link that cannot change after you send it

Profit & loss

Mama Rose Mini-Mart · 1 – 25 September · UGX

Money in
Sales	89,993,500
Money out
Inventory	60,000,000
Freight inwards	1,196,043
Repairs & maintenance	178,298
Transport	135,659
Net for the month	28,483,500

42 entries. Every line opens the transactions behind it.

Standing on their own

Take one part without taking all of it.

A supermarket wants a till that never stops at the counter. A warehouse wants stock and nothing else. An accountant wants forty clients on one screen. Each of these runs by itself — and writes to the same books the moment you want the rest.

Desktop application

SBB Point of Sale

A till for the counter machine. Cash, mobile money or card, split payments, held sales, reprints — and it keeps selling when the internet does not, then posts the whole day the moment it returns.

Works offlineCash, MoMo & cardPhone as scanner

Desktop & web

SBB Inventory

What is on the shelf, what it cost, what came in on which purchase order, and what to reorder before it runs out. Every sale at the till takes it down.

For practices

SBB for Accountants

Every client’s books on one screen — what each one delegates, what looks unusual this week, how healthy the file is. Close the month with sign-offs that name a person, and send a pack under the firm’s own name.

For accountants

The scenes on this page are drawn from the running applications, with a demonstration shop’s figures — not customer data. See the desktop apps →

What is inside

One book, not seven apps.

Everything here writes to the same set of books. A sale at the till, a wage run and a supplier bill all land in the same ledger — which is why the month end takes an afternoon instead of a week.

Smart Business Book · Vol. 2026

Pricing

Ninety days of everything. Then a free plan that is not a demo.

Prices for

We bill in USD where you are — pay in your own currency by mobile money once you sign in. Every plan keeps your books, your history and your exports, including the free one.

Free

Free forever

Free forever. Real books for one business — point of sale, bookkeeping and core reports, up to 50 transactions a month.

1 user · 1 business · 50 transactions/mo

≈ 10 Kiongozi questions a month
Point of sale & inventory

Start free

Starter

USD 3.00 /mo

90 days free, no card

or pay for 10 months and get 12

The bridge off paper. Real books for one business, mobile money, and a till — with Kiongozi AI available in packs when you want it.

2 users · 1 business · Unlimited transactions

Kiongozi AI — buy tokens in packs
Point of sale & inventory
Payment links & reminders

Start 90 days free

Growth

USD 7.00 /mo

90 days free, no card

or pay for 10 months and get 12

The plan most trading businesses need: unlimited transactions, Kiongozi AI, payroll, reconciliation, forecasting and tax.

5 users · Unlimited businesses · Unlimited transactions

≈ 125 Kiongozi questions a month
Point of sale & inventory
Payment links & reminders
Payroll & payslips
Multiple locations

Start 90 days free

Business

USD 21.00 /mo

90 days free, no card

or pay for 10 months and get 12

Staff, branches and volume: unlimited businesses and locations from one login, with consolidated reporting and priority support.

25 users · Unlimited businesses · Unlimited transactions

≈ 500 Kiongozi questions a month
Point of sale & inventory
Payment links & reminders
Payroll & payslips
Multiple locations

Start 90 days free

Enterprise

from

USD 60.00 /mo

Associations, groups and government programmes: white-label deployment, a dedicated customer success manager, SLA guarantees and full API access. Priced from the figure shown.

Unlimited users · Unlimited businesses · Unlimited transactions

≈ 1,500 Kiongozi questions a month
Point of sale & inventory
Payment links & reminders
Payroll & payslips
Multiple locations
API access
White-label

Talk to us

Before you ask

The questions people actually send.

Smart Business Book (SBB) is an AI-powered business operating system. It combines bookkeeping, invoicing, point of sale (POS), inventory, payroll, bank reconciliation, business reports, and an AI assistant called Kiongozi in one platform, so you can run your whole business from a single place — on the web or on your phone.

What SBB is, in one page

Start today, not at month end

Put one day in and see.

Record today’s sales and today’s spending. By this evening you will know what the shop made, and the books will already be right — no setup week, no data project, no accountant on the phone.

Start free Read how it works