Record every sale
Cash, bank transfer, POS or on credit — write it down in a few taps, right when it happens.
Free money tracking for Nigerian businesses
Know where your money goes. See where your business is going.
SettleNG helps traders, shop owners and small business operators record sales and expenses, track what customers owe, and understand how the business is moving — all in one simple place.
Free to use, no subscription No bank login needed
Built for the market, the shop and the stall.
Private to you
The everyday problem
Money moves all day. The record is what goes missing.
A busy day can mean dozens of small sales, a restock, transport, and credit given to a regular customer. By evening, the details blur — and the notebook is somewhere under the counter.
- Sales remembered roughly, not exactly.
- Expenses that never get written down at all.
- Customers who still owe you, forgotten until it is awkward.
- No clear way to tell whether this month is better than the last.
What SettleNG does
Everything a busy business needs. Nothing an accountant would.
Six working parts, not a finance suite. Each one is designed to be used in the thirty seconds between customers.
Track expenses
Stock, transport, rent, wages. See what leaves the business so you know what is actually left.
Know who owes you
Every customer's unpaid balance in one list, with how long it has been outstanding.
Send invoices
Create an invoice with items, record part payments as they come in, and follow what is still open.
See the trend
Revenue, expenses and profit over 7 days to a year — with a plain-English summary of what it means.
Match records
Bring in a bank statement CSV, review the rows, and link payments to the right customer.
Smart debt reminders
Turn on automatic emails for any unpaid debt. Choose 8am, 1pm, 6pm or your own times — SettleNG emails you, never the debtor.
Follow up politely
See every balance, part payment and due date, with a shareable payment link — so chasing money never feels awkward.
Import a bank statement
Upload a CSV, Excel or PDF statement. Every row is read, duplicates are blocked, and the totals must add up before they count.
Personal and business
Keep your own money and the business separate, and invite the people who help you run it.
Analytics that add up
Cash flow, spending by category, debt ageing and who owes you most — calculated from your records, never guessed.
The screen you'll open most
One dashboard, four questions answered
- How much came in today?
- How much went out?
- Who still owes me?
- Is the business improving, flat, or slipping?
Every figure comes from records you entered. Nothing is estimated, and nothing is sold or shared.
Sample dashboardExample numbers
Sales today
₦48,500
Spent
₦12,000
Money in
₦41,500
Money out
₦12,000
- Sold goodsToday · Cash+₦5,000
- Bought stockToday · Transport−₦8,000
- Customer paymentYesterday · Transfer+₦10,000
How it works
Up and running before the next customer walks in
- 01
Create your account
Sign up with your email and give your business a name. It takes under a minute and costs nothing.
- 02
Record as you go
Each sale, each expense. From your phone, the moment it happens — not at the end of a long day.
- 03
Read your numbers
Open your dashboard to see today's takings, who still owes you, and how the month is trending.
SettleNG runs in the browser on any phone. No app to install, no bank details to hand over.
Who it's for
If you sell, it fits how you already work
A stall, a shop, a workshop, a phone number customers call. SettleNG keeps the record while you keep trading.
Tailors & designers
Fabric bought, jobs delivered, balance still owed by a customer.
Shops & provisions
Daily takings, restocking, and credit given to regular customers.
Food & produce
Market days that are busy and quiet, and costs that change with them.
The zero-cost promise
Keeping track of your money should not be another expense.
Every core part of SettleNG is free: recording sales and expenses, customer debts, invoices, reports and matching. No trial, no paywall, no card details, no adverts inside your records.
- No subscription
- No payment card
- No premium tier
- No ads in your dashboard
Your records
Private by design, plain about what it does
SettleNG is a record-keeping tool. It does not connect to your bank, move money, or take a cut of anything.
Sign-in you control
Accounts are secured through Supabase authentication, with email and password.
Only you see your books
Your business records are tied to your account and served over HTTPS.
No bank connection
Nothing is linked to your account or BVN. You type what you want recorded.
Your data, exportable
Reports can be downloaded as CSV so the record stays yours.
New here?
Want to know what SettleNG is all about?
Take the five-minute guided tour: what each screen does, where to find it, and the four things you will do most days.
Take the guided tour
Start with today's sales.
Sign up free, name your business, and record your first sale in a couple of minutes. No card, no bank details, no commitment.
Already have an account? Log in
