Smartly helps businesses manage invoices, expenses, inventory, reports and daily operations — all from anywhere. Built for Zambia.
Why businesses love Smartly
Stop wrestling with spreadsheets and complicated software. Smartly makes your finances simple so you can focus on what you do best — running your business.
Automate repetitive accounting tasks. Generate invoices, track payments, and reconcile accounts in a fraction of the time.
Keep every invoice, expense, and financial record in one place. Find anything instantly. Never miss a payment again.
Manage your business from your phone, tablet, or computer. Your accounts are always in sync across every device.
Get real-time insights that help you make better business decisions. Know your cash flow, profit, and growth at a glance.
Everything you need
From your first quotation to your year-end reports, Smartly handles the entire financial lifecycle so you can focus on growing your business.
Generate professional invoices and quotations in seconds. Send as PDF, track payment status, and issue credit notes with ease.
Record client payments, monitor outstanding receivables, and generate account statements. Know exactly who owes what.
Track all operating costs, manage your supplier database, and categorise expenses for accurate profit & loss reporting.
Export professional PDF and Excel reports — P&L, cash flow, balance sheets. Get insights your accountant and auditors will love.
Full client database with payment terms, billing addresses, and account history. Supports local and foreign entities.
Full double-entry accounting with a customisable chart of accounts. Assets, liabilities, equity, revenue and tax — all covered.
Control who sees what. Set up user roles so your team only accesses what they need. Enterprise-grade security built in.
Your data is always backed up and synchronised across all your devices in real time. Access your accounts from anywhere.
Register, track, and report on company assets with structured depreciation records. Complete your fixed asset register.
Complete financial suite
Smartly Accounting is an all-in-one ERP — not a patchwork of integrations. Every feature is built to work together seamlessly from day one.
Real-time KPIs, revenue charts, and quick-action shortcuts — all on one screen.
Register, track, and report on company assets with structured depreciation records.
Manual general ledger entries for accountants who need full control over their books.
Smartly integrates directly with the Zambia Revenue Authority's Smart Invoice system. Submit invoices in real time, switch between sandbox testing and production, and stay compliant — stress-free, always.
Multi-platform
Whether you're in the office, on the road, or at a client site — Smartly is always with you.
Full-featured mobile apps for field teams and on-the-go finance managers.
Access your accounts from any browser — no installation needed for your team.
Native desktop apps for power users who live in Smartly all day long.
Full Linux desktop support for businesses and developers running open-source stacks.
Real customer stories
From retail shops to law firms, logistics companies to restaurants — hear what our customers say.
"Smartly completely transformed how we handle client billing. What used to take our finance team two full days now takes two hours. The ZRA integration alone saved us from a compliance headache at year end. I honestly can't imagine going back."
"As a small business owner I was drowning in spreadsheets. Smartly gave me a real-time view of my cash flow and outstanding invoices. The mobile app means I can check our numbers from anywhere in Lusaka — even from the market!"
"We switched from a generic international accounting system and the difference is night and day. Smartly actually understands Zambian businesses — ZMW, local payment methods, ZRA requirements. It feels like it was made just for us."
We're not a generic international tool rebranded for Zambia. We're a Zambian team that lives, works, and builds here — designing software that truly understands local tax law, local payment systems, and local business realities.
We know how Zambian businesses operate, from Lusaka to the Copperbelt and beyond.
MTN Mobile Money, Airtel Money, Zamtel Kwacha — all built in from day one.
Real-time Smart Invoice submission. Always up to date with ZRA requirements.
From sole traders to growing enterprises — Smartly scales with your ambitions.
Transparent pricing
Pay only for the users who need access. Scale up or down at any time. All prices in Zambian Kwacha.
Perfect for sole traders, freelancers, and small teams getting started with professional accounting.
For growing businesses needing the full accounting suite with ZRA integration and advanced reporting.
For large organisations, government agencies, and firms needing custom integrations and dedicated support.
All plans include a 14-day free trial. No credit card required. Questions about pricing?