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SmSt Finances The money book
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SmSt Finances

Every shilling,
on one page.

Record sales, bills, tax and drawings. The statements, budgets and graphs all read from the same balanced book, so there is no second tally to keep.

Open SmSt Finances Read the statements

Sokoni Traders / Money book

What the money did

Posted
Money in Ksh 421,200
Money out Ksh 287,200
Left over Ksh 134,000
Cash and bank Ksh 84,200

The last 30 days

Oct 2026
Money in Money out

The latest entries

The two sides agree
Income Counter sales +8,420
Expense Mchuzi mix restock -3,150
Tax VAT set aside 1,348

The statements

The book balances itself.

Every entry posts at least two lines into the chart of accounts. The profit and loss, the balance sheet and the cash flow are three views of the same posted lines. Nothing is totalled by hand.

  • Income, expenses, tax, discounts, refunds and losses keep their own accounts.
  • Every entry keeps its reference, date and the person who posted it.
  • Void an entry and the statements follow. The audit line stays.

01 Sep - 30 Sep 2026

What was earned and what it cost

Balanced
Sales revenueKsh 412,800
Other incomeKsh 8,400
Cost of goods sold-226,200
Operating expenses-42,600
Transport and delivery-18,400
Profit for the periodKsh 134,000

Rules, set once

Tax, discounts, fees and refunds stop being a guess.

A finance option is a rule: a percentage or a fixed amount, applied to sales, purchases, stock movements or expenses. Set it once and the same rule is used every time an entry touches it.

Finance options 3 active
VAT 16% · applied to sales
Active
Card fee 1.8% · applied to everything
Active
Delivery charge Ksh 150 · applied to purchases
Active

Inactive rules stay in the record but stop touching new entries.

A sale of Ksh 2,400

Subtotal2,400.00
VAT at 16%384.00
Card fee at 1.8%43.20
Total received2,740.80

The tax is set aside the moment the sale is posted, not at the end of the month.

Plans

A budget that reads the book.

A budget watches one account or one finance option. The bar fills from the posted entries in the current period, so it is a live measure, not a second spreadsheet.

Monthly · Transport and delivery

Bike fares and fuel

76.7% used
SpentKsh 18,400
OfKsh 24,000
LeftKsh 5,600

01 Oct - 31 Oct 2026 · weekly spend

Monthly · Rent

The shop

Paid
SpentKsh 35,000
OfKsh 35,000

Monthly · Discounts

What comes off the price

Over
SpentKsh 7,200
OfKsh 6,000

The graph builder

Ask the book a question.

Pick the X and the Y separately. Time, product, category, option, account or entry kind on one axis. Amount, profit, loss or stock value on the other. The graph is drawn from the same posted lines.

Along the bottom

TimeProductCategoryOptionEntry kind

Up the side

AmountProfitLossStock value
Monthly margin Bars

Profit by month

Every bar is a posted profit line, not an estimate.

Ksh
Best month: October Ksh 134,000

The handover

The book leaves the screen when it needs to.

Print a statement, download the ledger, send the accountant a spreadsheet. The same posted figures, in the shape the other person needs.

Profit and lossWhat was earned and what it cost
PDF
General ledgerEvery posted line, in account order
PDF XLSX
Graphs and reportsSaved views for the bank, the tax office or the team
PDF XLSX

Close the month

Know the number before the month ends.

Put the first entry in the book. The statements will follow it.

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