The all-in-one operating system for African business
Run every business you own from one login.
One system for bookkeeping, POS & inventory, invoicing, payroll, tax, and bank & mobile-money reconciliation — across every business you run, in any currency. Kiongozi, its 25-agent AI, chases the overdue invoice before you wake up.
One login, every business
One owner. Five businesses. One login.
A bar, a pharmacy, a shop, an NGO — each in its own currency. Kiongozi keeps them separate, reconciles across all of them, and tells you which one needs you first. Tap a business to switch.
One product, every screen
The whole business, on one screen that actually works.
Don't take our word for it — press a tab and watch the real app do the job.
Everything, in one place
Not an accounting app. The whole operating system.
Most tools give you one of these and charge for the rest. SBB gives you all of it, from day one — no add-ons, no separate logins.
Live balances
Cash, bank and mobile-money balances updating in real time.
POS & offline sales
Ring up sales in seconds — even with no internet.
Inventory
Stock across locations with reorder alerts and barcodes.
Invoicing & collections
Branded invoices with payment tracking and reminders.
Supplier bills
Track every bill and due date so you pay on time.
Purchase orders
Raise POs and receive stock straight into your books.
Payroll & HR
Run payroll in minutes and WhatsApp payslips to staff.
Bank & MoMo reconcile
Import statements; Kiongozi auto-matches every line.
Any currency
UGX, KES, NGN, GHS, USD, CAD, EUR — trade in yours.
Tax & eTIMS / KRA
VAT and fiscal receipts, ready for the taxman.
NGO fund accounting
Restricted funds, grants, donors and donor-ready reports.
Susu / ROSCA
Rotating savings groups tracked without the arguments.
Credit book
Know who owes you what — nudge them on WhatsApp.
Budgets & forecasting
Set targets; Kiongozi warns before you overspend.
Reports Explorer
Pivot like a spreadsheet, export to Excel or PDF.
One login, many businesses
Switch between every business you run from one account.
Team & roles
Invite your accountant and staff with the right access.
25 Kiongozi AI agents
A finance, ops and intelligence workforce, always on.
Straight from the product
No mockups. This is the real thing.
Every frame below is a live screen from SBB — the ledger, the catalog, the tax office, the forecast. Click any of them to look closer.
One subscription, not seven
Cancel the other seven apps.
Most owners duct-tape together an accounting app, a POS, a payroll tool, an invoicing app, a spreadsheet and two notebooks — paying for each, reconciling between them by hand. SBB is all of them: one login, one price, one source of truth.
All of it. One login. One price.
SBB Desktop · Windows · Free on every plan
Every other till hands you a pile of receipts to type up later.
This one keeps its own books. The moment the drawer closes, the sale is posted, the stock has moved, and the day's numbers are already right — online or not.
The till is the books
Not a POS that someone reconciles on Sunday. Every sale posts double-entry, moves stock and updates your cash position as it happens.
The internet is optional
Power cut, router down, data finished — the queue keeps moving. Sales are saved on the till and sync themselves later. Nothing is ever lost.
MoMo into your own account
Use the MTN or Airtel number you already have. Customers pay you directly — no new merchant account, no middleman holding your money.
Built for how you actually sell
Tables and tabs. Kilos and grams. Batches and expiry dates. Several tills on one shelf. Not a template — your trade.
Windows 10/11 · installs in a minute · updates itself · works with the receipt printer and barcode scanner you already own.
No mockups — this is the shipped app
A real bar. Real prices. Tuesday night.
Every screen below is a screenshot of SBB Desktop running a live business. Click any of them to look closer.
Run the whole night on one screen.
Open a tab per table, keep adding through the evening, fire the order to the kitchen and bar, then split the bill however they ask.
SBB Accountant for Windows
Your whole set of books. On your own computer.
Not a viewer, and not a sync of somebody else's numbers. A complete copy of your general ledger that computes its own trial balance, profit & loss and balance sheet on the machine — with the network unplugged, in whatever currency you keep.
Every posting, with the balance after it.
The column a ledger exists for. What the balance was on the 14th, who made each entry, and which till it moved — on any page, in either order.
- A running balanceComputed chronologically across the whole account, so page two continues page one instead of restarting.
- Who made itEvery posting carries the person who recorded it — on screen and in every export.
- One till at a timeAn account holding several drawers or wallets narrows to just one, so you can see the till and not the total.
- Nothing silently cut offLong accounts page properly and always state how many postings there really are.
- Month-end still happens in Excel. Export a working paper, make your adjustments exactly as you always have, and save — SBB reads them back, shows precisely what will be posted, and books it as one journal when you say so.
- Excel checks the journal before we do.Live totals in the sheet say “Balanced” or how far out you are, right where you're working.
- Your whole report pack, one button.Trial balance, profit & loss, balance sheet, where the money is and the full general ledger in a single Excel workbook — with a cover that says plainly whether the books tie.
- It refuses to guess. Sort and filter the rows however you like — every adjustment lands on the account it belongs to, and anything unlinked is skipped and reported rather than posted somewhere plausible.
- Any currency, frozen at the rate you used.Every posting converts at the rate it was recorded with, so a closed month never moves when today's rate does.
- Nothing is erased. A deleted entry is reversed, not removed — you keep the audit trail an accountant will ask for.
- It says what actually went wrong.Whether it's your connection, your session, SBB, or the copy on your computer — never one message for all four.
Windows 10/11 (64-bit) · Updates itself · macOS and Linux next · Reads your books; entries stay in the web app
Kiongozi AI
It doesn't just store your numbers. It reads them.
Ask in plain English or Swahili. Kiongozi watches every transaction, flags what's wrong, drafts the WhatsApp reminders, and briefs you before the day starts — like a finance team that never sleeps.
Made for your world
One system, whether you sell, serve, or steward.
Businesses
Shops, bars, pharmacies and restaurants — POS, stock, invoicing and payroll in one place, in your currency.
NGOs & grants
Restricted-fund accounting, donor and grant tracking, and USAID/EU-ready reports without the spreadsheet chaos.
Susu, ROSCA & credit
Rotating savings groups and the customer credit book tracked automatically — the informal economy, finally in the books.
Accountants & bookkeeping firms
Every client’s books. One command centre.
Stop juggling logins, spreadsheets and WhatsApp threads. Manage all your clients from a single workspace — and give each of them a trust guarantee you can point to.
Your client stays the owner
You never take their data. They approve exactly what you can see, and can remove your access instantly — every record stays with them.
One queue, every client
What needs you today, across the whole portfolio: reviews, month-end sign-offs, and the documents you’re still waiting on.
Built for a real firm
Assign juniors to specific clients only. Their changes are proposed for a senior to check — nobody approves their own work.
Pricing
90 days free. Then grow on your terms.
Every new business starts on Pro free for 90 days — no card needed. After that, pick the tier that fits, or stay on Free forever. Free is a real product, not a countdown.
Real books for one business. Not a trial, not a demo.
- 1 user
- 1 business
- 50 transactions/mo
- Point of sale & inventory
- Core reports
Everything one trading business needs, with Kiongozi working for you.
- 5 users
- Unlimited businesses
- Unlimited transactions
- All Kiongozi AI
- Payroll
- Payment links & reminders
For groups, chains and franchises running at scale.
- 25 users
- Everything in Pro
- 4× AI credits
- Priority support
White-label, API access, and a contract behind it.
- Unlimited users
- API access
- White-label
- Dedicated CSM
- SLA guarantees
All prices in USD · billed monthly, semi-annually, or annually · per business.
In every plan, including the free one
SBB is not a crippled demo on the free plan. These are in all four tiers — a business can keep genuine books on Free indefinitely.
- Point of sale and inventoryThe full till, stock tracking and per-location stock — on the free plan too.
- BookkeepingTransactions, categories, customers, suppliers and the full ledger.
- Financial reportsProfit and loss, balance sheet, cash position and trial balance.
- Bank and mobile-money reconciliationImport a statement, match it against your books, settle the difference.
- Recurring transactions and billsAnything that repeats, recorded on schedule.
- Forecasting and What-IfWhere the cash lands, and what changes if you change something.
- Tax and complianceVAT, EFRIS and eTIMS surfaces, period close and locking.
- Multi-currencyAny currency, with the rate frozen at the date of the transaction.
- CollaborationComments, approvals, attachments and share links on any record.
What actually changes between plans
Every row below is a limit the software genuinely enforces. If it is not here, it is not a difference.
How much you can recordThe only hard ceiling on the free plan. Every paid plan is unlimited.
| Feature | Free | Pro | Business | Enterprise |
|---|---|---|---|---|
| Transactions a monthEntries you record by hand. Sales rung up on the till, imported bank lines and reconciliation matches never count against this. | 50 | Unlimited | Unlimited | Unlimited |
| BusinessesSeparate sets of books under one login. Each business carries its own subscription, so growing costs what the extra business costs — nothing more. | 1 | Unlimited | Unlimited | Unlimited |
| Money accountsTills, bank accounts and mobile-money wallets. Never capped — a business that cannot record its bank account cannot keep books. | Unlimited | Unlimited | Unlimited | Unlimited |
Who can use itSeats are people with their own login, their own role and their own audit trail.
| Feature | Free | Pro | Business | Enterprise |
|---|---|---|---|---|
| UsersAn outstanding invitation holds a seat, so you always know what you have left. Revoke it and the seat comes back. | 1 | 5 | 25 | Unlimited |
| Roles and permissionsOwner, manager, accountant, cashier and custom roles — each one sees only what its role allows. | Included | Included | Included | Included |
Kiongozi, the AIThe part that works while you sleep — and the clearest reason to leave the free plan.
| Feature | Free | Pro | Business | Enterprise |
|---|---|---|---|---|
| AI review and categorisationEvery entry read, categorised and checked for anomalies before it reaches your books. | — | Included | Included | Included |
| Daily business briefWhat moved, what needs attention and what is overdue, waiting for you each morning. | — | Included | Included | Included |
| AI credits per user each monthSpent on chat, document reading and analysis. Top-ups are available on any paid plan from $4/month. | — | 5,000 | 20,000 | Custom |
Getting paidInvoicing is on every plan. Chasing the money is what the paid plans add.
| Feature | Free | Pro | Business | Enterprise |
|---|---|---|---|---|
| InvoicingBuild, send and track invoices in your own currency and branding. | Included | Included | Included | Included |
| Shareable payment linksA link the customer opens and pays from — mobile money or card — with the payment landing back on the invoice. | — | Included | Included | Included |
| Automatic remindersSBB chases the overdue invoice on a schedule you set, so you do not have to. | — | Included | Included | Included |
Payroll and peopleFull payroll, or none — there is no half version.
| Feature | Free | Pro | Business | Enterprise |
|---|---|---|---|---|
| PayrollEmployees, salaries, statutory deductions, payslips and payroll runs posted straight into the books. | — | Included | Included | Included |
Support and platformWhere the largest plans earn their price.
| Feature | Free | Pro | Business | Enterprise |
|---|---|---|---|---|
| Priority supportYour questions go to the front of the queue, with a named person on the larger plans. | Community | Standard | Priority | Dedicated CSM |
| API accessRead and write your own data from your own systems. | — | — | — | Included |
| White-labelThe product under your own brand and domain. | — | — | — | Included |
| SLA guaranteesA contractual uptime and response commitment. | — | — | — | Included |
Questions
Everything you might be wondering.
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.
Yes — better than free to start. Every new business gets Pro, with Kiongozi AI, payroll and unlimited transactions, free for 90 days with no credit card required. After the 90 days you can pick the plan that fits, or keep using the free plan.
Sign up, and your business is automatically on Pro for 90 days — POS, inventory, invoicing, payroll, reconciliation, reports, and the full Kiongozi AI experience including briefings and automations. Chatting with Kiongozi uses AI credits, which are purchased separately. No card is needed for the trial, and when it ends nothing is deleted — you simply choose a plan or continue on the free plan.
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.
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.
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.
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.
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.
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.
Your turn
Your business deserves a leader.
90 days of the full platform, free — set up before your coffee's cold, and wake up to answers already handled.