Money, books & tax · South Africa
Your whole money life.
Not just your business.
Salary, side hustle, company — every stream budgeted, invoiced and SARS-ready, on your phone.
Tax Invoice
Kagiso Modise t/a Kagiso Catering
INV-0041VAT No. 4880123456
From
Kagiso Modise
14 Jan Smuts Ave, Johannesburg
kagiso@caters.co
To
Molefe Events
22 Bree St, Cape Town
accounts@molefe.events
Date
9 Aug 2026 · due 23 Aug 2026
Pay by EFT
A real Ledgr invoice — sent as a link on WhatsApp, opened in one tap, paid by EFT.
Reads statements from
Statements read from: FNB, Absa, Standard Bank, Capitec, Investec, Access Bank, Nedbank, African Bank, Old Mutual, Bank Zero, GoTyme Bank, Mukuru, Yoco, iKhokha.
…and any other PDF or CSV statement — the parser reads the page, not a template.
2
tax authorities
SARS and BURS, each with its own rules
1
journal underneath
every report derived from it, tied out on every read
3
places to work
phone, web and desktop — one set of books underneath
Streams
Everything you earn, in its own lane
A salary. A side hustle. A company. Each one is a stream — and your own life never leaks into your tax numbers.
YOUR STREAMS
Salary
your first stream
Airbnb
made this month
Tutoring
made this month
Get paid
Invoice on WhatsApp. Paid by EFT.
- A proper tax invoice, sent as a link — you see when it's opened.
- Your banking details and both parties' addresses, done for you.
- Reminders chase politely. Recurring invoices raise themselves.
Hi Molefe — invoice for the wedding 🎉
ledgr.mobi/i/…
Tax Invoice INV-0041 · R22,000.00
Tap to view & pay by EFT
14:02 ✓✓
Got it — paying now 👍
14:07
Tax, without the fear
SARS-ready. Properly.
Built for South Africa's actual rules — VAT201, provisional tax, the travel logbook — computed from your books, never guessed.
Returns fill themselves
from the one journal
Logbook rides along
auto-logs your trips
Payslip check
30 seconds, no jargon
Books that refuse to lie
tied out on every read
Your year · live
Change one number. Watch the refund move.
Your own money
The clearest picture of your month
Drop in a bank statement. Every line lands where it belongs — budgets in real-life words, a breakeven day, and what you own against what you owe.
Fill in the blanks
There are four reliable accounting, tax and bookkeeping apps for South Africa.
- 1. Sage
- 2. Xero
- 3. QuickBooks
- LEDGR
Only one of them understands your hustle — every stream of it, and the person behind it.
Your money has been waiting for a Ledgr.
How we compare
Named, and honest about it
The fundamentals a one-person business actually needs — including the places where the older names still beat us.
Day to day
Send an invoice from your phone
- Ledgr
- Xero
- Sage
- QuickBooks
Invoice arrives as a WhatsApp link, opened in one tap
- Ledgr
- Xero
- Sage
- QuickBooks
- WhatsApp (image)
Photograph a slip, expense captured
- Ledgr
- Xero
- Sage
- QuickBooks
Your price list builds itself from what you invoice
- Ledgr
- Xero
- Set up first
- Sage
- Set up first
- QuickBooks
- Set up first
Your money, not only the business
Salary, side hustle and company in one account
- Ledgr
- Xero
- Business only
- Sage
- Business only
- QuickBooks
- Business only
What you personally kept this month
- Ledgr
- Xero
- Sage
- QuickBooks
Personal budgets and savings goals
- Ledgr
- Xero
- Sage
- QuickBooks
Savings groups (stokvel)
- Ledgr
- Xero
- Sage
- QuickBooks
Tax, where you actually live
VAT201 prepared from your books
- Ledgr
- Xero
- Sage
- QuickBooks
Provisional tax estimate
- Ledgr
- Xero
- Sage
- QuickBooks
Your personal income tax position
- Ledgr
- Xero
- Sage
- QuickBooks
Travel logbook for your SARS vehicle claim
- Ledgr
- Xero
- Add-on
- Sage
- QuickBooks
South Africa and Botswana in the same product
- Ledgr
- Xero
- Sage
- QuickBooks
The books underneath
Double-entry ledger and trial balance
- Ledgr
- Xero
- Sage
- QuickBooks
Fixed asset register with depreciation
- Ledgr
- Xero
- Sage
- QuickBooks
Group consolidation
- Ledgr
- Xero
- Add-on
- Sage
- QuickBooks
- Add-on
Open API for other software to connect to
- Ledgr
- Xero
- Sage
- QuickBooks
Multi-currency invoicing
- Ledgr
- Xero
- Higher plans
- Sage
- Add-on
- QuickBooks
- Higher plans
Where we're behind, today
Live bank feeds
- Ledgr
- PDF & CSV import
- Xero
- Sage
- QuickBooks
Marketplace of ready-made integrations
- Ledgr
- Xero
- Sage
- QuickBooks
Compared as at 1 November 2026. Xero, Sage and QuickBooks are their respective owners’ trademarks and we are not affiliated with them; where we were unsure, we credited them. Products change — think we’ve got something wrong? Tell us and we’ll correct it.
Meet Flo
Ask Flo. Check the answer yourself.
Flo is Ledgr’s assistant. Ask about your own numbers in your own words — she answers from your books, and every answer names the report it came from.
- · “How much did I make last month?”
- · “Who still owes me money?”
- · “What should I put aside for tax?”
Flo explains. Your books calculate. You approve.
Flo never invents a figure and never files anything — the numbers are your ledger’s, and the decisions stay yours.
You kept R18,540 in July.
Income R64,200, expenses R45,660.
From your income statement · 1–31 Jul
R23,800 across 4 invoices.
From your unpaid invoices · today
On your computer
Ledgr Pro
The same books on a proper screen. Two spaces — your own, or other people’s.
Desk
Your own books. Reconcile the bank, close the month, print the statements a bank asks for.
Professional
Every client’s books in one place, on the same ledger they already use.
- · One login, every client
- · Each client in its own window
- · Year-end packs a partner can sign as they are
- · Clients invite you in
- · The whole team, each with their own login
Both include the phone.
Look around a practice desk — no signup, nothing to change.
Already have an account? Upgrade to Desk or Professional
Questions
Fair questions, straight answers
What is Flo?
Ledgr's assistant. Ask about your numbers in your own words — Flo answers from your books and names the report each answer came from. She never invents a figure and never files anything.
I only earn a salary — is this for me?
Especially you. Budget your salary, check your payslip, and the tax side is ready the day you start a hustle.
Can my accountant use it?
Invite them in. Ledgr Pro, the desktop practice app, is a download away — Windows or Mac.
What happens to my data if I leave?
It's yours, and it exports cleanly. No lock-in.
Does it work for Botswana too?
That's Bala — the same product built for BURS, in pula.
Is my information safe?
Encrypted in transit, never sold, and your banking details appear only on invoices you choose to send.
Get the app
Ledgr lives in your pocket
Photograph a slip at the till, send an invoice from the car, see what you actually kept — the same books as the web, on the phone you already have.