The books
balance themselves.
Accounting, invoicing & payroll for freelancers, builders and side-hustlers. Send an invoice, run payroll, and the bookkeeping happens by itself.
One action.
Three entries.
Most accounting tools make freelancers, builders and side-hustlers record the same transaction in three places. Mowa Books does it once. The income, the invoice status and the customer balance all post together.
Pick a contact, add line items, hit send. The invoice doc prints to A4 with your logo, address and tax ID, ready to email or hand over.
Record the payment. An income transaction posts to the ledger automatically. The invoice flips to “Paid” and a receipt is issued in the same breath.
Payroll tax is calculated automatically (Nigerian PAYE bands by default — toggle off if you’re elsewhere). Mark the run paid and every payslip becomes an expense.
P&L, cash flow and tax summaries draw from the same source of truth. Custom date ranges, A4 exports, no reconciliation. No spreadsheets.
Everything an SME books office needs.
Invoices that get paid faster.
Branded invoices that print clean to A4. Track sent, viewed, partial and overdue from one ledger view. Mark paid and a receipt is issued automatically.
Payroll that knows the tax bands.
Payroll tax is calculated automatically. Configure allowances per employee: housing, transport, pension. Generate one printable payslip per employee in one click.
One login. Several books.
Run an agency, a side project, and an NGO from the same account, each with its own books, branding, and currency. Switch with one keystroke.
For-profit, non-profit, somewhere in between.
Most accounting tools force a choice. Mowa Books unifies income, expense and donation transactions in one ledger.
Freelancers & consultants
Invoice clients, track expenses, and know exactly what you've earned. No spreadsheet required.
Online sellers
Sales revenue, supplier costs, and margins. Real numbers, not guesses.
Service businesses
Manage payroll, bill clients, and track every transaction in and out across one or many businesses.
Non-profits & side projects
Donations, grants, and stakeholder reports, alongside your for-profit books.
Bookkeeping shouldn't take more time than the work that earns the money. Record the thing once. The books update themselves.
One page. Plain dollars.
3-day free trial on every plan. No card required to start. Cloud sync is on the way.
Solo
For freelancers, builders and side-hustlers running one set of books. The full ledger, invoicing, payroll and reports.
- 1 business✓
- Unlimited invoices & receipts✓
- Payroll & payslips✓
- Payroll tax auto-calc (toggleable)✓
- Multi-currency (NGN, USD, GBP, EUR)✓
- Donations + grant tracking✓
- P&L, cash flow & tax reports✓
- Auto-backup to Downloads✓
Studio
For people juggling more than one set of books: agencies, side projects, NGOs and the freelancers running all three.
- Everything in Solo✓
- Unlimited businesses✓
- Reports across all your books✓
- Custom branding on docs✓
- Per-business categories & benefits✓
- Priority email support✓
- Early access to Cloud✓
Cloud
Multi-device sync, cloud backup and team access. Same Mowa Books, your books on every machine you sign in from.
- Everything in Studio✓
- Sync across devices✓
- Automatic cloud backup✓
- Version history (90 days)✓
- Send invoices with payment links✓
- Team access & audit log✓
Your books stay on your computer · auto-backed-up to your Downloads folder daily
Questions, answered.
Do I need an accountant to use Mowa Books?+
No. The flows are designed for non-accountants. Record an invoice or a payroll run, and the bookkeeping happens by itself. Reports are pre-built.
How does payroll tax work?+
Mowa Books ships with Nigerian PAYE calculation built in, against the Nigeria Tax Act 2025 bands effective 1 January 2026. The first ₦800,000 of annual income is tax-free, with rates stepping from 15% up to 25%. Allowances and deductions configure per employee. If you’re running payroll outside Nigeria, toggle PAYE off and record gross pay only. Finer per-jurisdiction tax handling is on the roadmap.
Can I run multiple businesses on one account?+
Yes. Studio plans support unlimited businesses, each with its own books, branding and currency. Switch in the sidebar.
Where is my data stored?+
On your computer. Mowa Books runs entirely in your browser. Your books live in your browser's local database, and we auto-back up to your Downloads folder every time you open the app. Nothing leaves your machine and nothing gets lost. (You'll need internet to load the app the first time.)
What if I switch laptops or browsers?+
Restore from a backup file. Every backup is a complete snapshot of your books: businesses, transactions, invoices, payroll runs, everything. Drop it into the welcome screen on the new machine and pick up where you left off.
Do you support non-profits?+
Yes. The donation transaction type lives alongside income and expense, and contacts can be tagged as donor, client or vendor.
What happens after the 3-day trial?+
After the trial, your book becomes read-only. You can still browse, search, export and print everything; you just can't add or edit until you upgrade. Your data is never deleted.