The simplest way for Nigerian business owners to manage expenses, track income, create budgets, and generate tax-ready financial reports — all in one place.
From ₦3,500/month · Cancel anytime
The Problem
Most Nigerian SMEs still track finances in Excel, notebooks, or not at all. That leads to real problems.
You don't know exactly how much money is coming in or going out until it's too late.
Multiple Excel files, handwritten notes, bank statement screenshots. Nothing connects.
You spend days gathering numbers that should take minutes.
You can't tell which business is actually profitable.
Without clear categories, you can't see where to cut costs to improve margins.
One dashboard. Every business. Every transaction. Every report. Clear, organized, and ready in seconds. No accounting jargon, no complex setup, no steep learning curve.
Features
Built for how Nigerian entrepreneurs actually run their businesses — multiple income streams, multiple clients, multiple projects.
Categorise income and expenses, search your full financial history, and export records in seconds. Real-time, across all your businesses.
Generate income statements, expense summaries, and tax-ready reports. Export as PDF anytime.
Generate professional PDF invoices in seconds and share them with clients through a secure link.
Set budgets for every category and track spending against limits in real time.
Manage separate accounts for each business entity with fully isolated data and reporting.
Reconcile bank imports against recorded entries to catch discrepancies and keep your books clean.
Track VAT, categorise deductible expenses, and generate tax-ready reports year-round.
Visual dashboards, trend analysis, revenue vs expenses — updated in real time.
Track business assets and liabilities to understand your true financial position at a glance.
Join hundreds of Nigerian business owners who finally have clarity over their finances.
Expense Tracking
SpendTab makes it effortless to log, review, and categorize every business transaction.
Income Tracking
Track every payment from every client in one place. See which revenue stream is driving your business forward.
Budget Management
Create custom budgets for every project, department, or business area. Catch overruns before they become problems.
Invoice Generation
Stop creating invoices in Word or Google Docs. Generate clean, branded invoices in seconds and track payment status — all from your dashboard.
How it works
No complicated setup. No training. No accounting background needed.
Create your account in 30 seconds. No credit card, no commitment. Get started immediately.
Set up each business, side project, or income stream as a separate account. SpendTab keeps them organized.
Record income and expenses as they happen. Categorize by project, client, or custom tags. It takes seconds.
Generate financial reports, monitor budgets, and see analytics. Share with your accountant or use for tax filings.
Why SpendTab
Stop juggling multiple Excel files, notebooks, and bank statement screenshots. Everything in one searchable, organized place.
Know exactly how each business performs. Keep consulting income separate from e-commerce revenue. See true profit per venture.
No more spending days gathering numbers for your accountant. Export clean, categorized tax reports in seconds, any time of year.
Clear financial data means better business decisions. See where you're overspending, which clients are most profitable.
SpendTab is designed for entrepreneurs, not accountants. Simple, intuitive, and fast. If you can use WhatsApp, you can use SpendTab.
No dollar-denominated pricing that fluctuates with exchange rates. Just ₦3,500/month for unlimited everything.
Who uses SpendTab
Whether you're just starting out or scaling up, SpendTab adapts to your business.
Organize income from multiple clients. Monitor ongoing project expenses and track retainer payments.
Track profits from multiple platforms. Monitor inventory costs, shipping fees, and marketing spend.
Manage revenue from platforms, sponsorships, and direct clients.
Manage multiple revenue streams from design clients, print sales, and commissions.
Track commissions, marketing costs, and client-related expenses across multiple property deals.
Manage course sales, one-on-one client payments, and workshop fees.
Monitor venue costs, vendor expenses, and client budgets across multiple events simultaneously.
Manage multiple client accounts, material costs, and labor expenses across jobs.
Track startup costs, runway, and burn rate. Set budgets for product development and marketing.
No credit card. No accounting degree. Just sign up and start tracking.
SpendTab vs Others
Enterprise accounting software is complex and expensive. SpendTab is purpose-built for how you actually work.
| Feature | SpendTab | Generic Software | Spreadsheets |
|---|---|---|---|
| Naira-first pricing | ✓ | ✗ | ✓ |
| Multi-business support | ✓ | ✓ | ✗ |
| One-click tax reports | ✓ | ✓ | ✗ |
| No learning curve | ✓ | ✗ | ✓ |
| Budget management | ✓ | ✓ | ✗ |
| Built for Nigerian SMEs | ✓ | ✗ | ✗ |
| Under ₦5,000/month | ✓ | ✗ | ✓ |
| Visual analytics dashboard | ✓ | ✓ | ✗ |
What business owners say
SpendTab finally gave me clarity on which of my three businesses is actually making money. I used to guess — now I know exactly.
Tax time used to take me a week of digging through spreadsheets. Now I export everything in one click. My accountant loves me.
The simplicity is what sold me. No confusing accounting jargon. I signed up and was tracking expenses within five minutes.
Pricing
Unlimited everything on every plan. Pay in Naira. Cancel anytime.
FAQ
Not at all. SpendTab is designed for business owners, not accountants. If you can use a banking app, you can use SpendTab.
Yes. SpendTab lets you create unlimited separate business accounts within one dashboard. Each business has its own transactions, budgets, and reports.
Absolutely. SpendTab uses bank-level encryption to protect your data. Your financial information is stored securely and is only accessible to you.
Yes. You can generate and export financial reports — including income statements, expense summaries, and category breakdowns — with one click.
You can subscribe at ₦3,500/month or ₦35,999/year. If you choose not to continue, your account remains accessible in read-only mode.
Because SpendTab is built for Nigerian business owners. We price in Naira so you never have to worry about exchange rate fluctuations.
Yes. SpendTab lets you track all income sources alongside all your expenses. You get a complete picture of your business profitability.
SpendTab is a web application optimized for both desktop and mobile browsers. You can access it from any device — no downloads required.
Get started
Track your spending, manage multiple businesses, and generate tax-ready reports — all for less than the cost of one business lunch.
₦3,500/month · Cancel anytime