Clarity Ledger, for businesses that run on cash
Bookkeeping on the go, with zero hustle.
Snap the receipt. Pay with M-Pesa. Carry on with your day. Clarity Ledger captures your books from your phone, keeps the proof, and lets us keep reviewing your Turnover Tax and VAT position as your business grows.
710+
transactions captured and posted for our clients, with no typing
Sound familiar?
When the proof of a payment disappears
A business that runs on cash and M-Pesa leaves a trail on paper and on a phone, and both are fragile. The ETR receipt ink smudges and fades. The M-Pesa message scrolls out of sight or is lost with the phone. The notebook goes missing, and the shoebox of receipts is never sorted.
Then KRA asks you to support your expenses, or you need to know whether you have crossed a tax threshold, and the records are not there. Whether it was stock, fuel, rent or a repair, a cost you cannot prove is a cost you may not be able to claim.
Clarity Ledger never leaves the proof of a purchase to one fragile slip of paper.
Three records, one entry
Proof that survives a smudged receipt
Every expense is backed by up to three independent records, matched together automatically.
The photo
Snapped the moment you paid, while the ink was still sharp, and stored safely.
The payment
Your own M-Pesa or bank confirmation: who you paid, how much, and when.
The KRA record
The matching eTIMS invoice from KRA's own system, which no smudge can touch.
If one of them fades, goes missing or never gets printed, the other two still tell the story.
How it works
Pay. Snap. Done.
Built for the way you already work, on your phone, between jobs.
Step 1
Snap the receipt
Take a photo at the pump, the till or the supplier, using a link saved on your phone's home screen. No login, no app to install. It is read and filed for you, with no typing and no notebook.
Step 2
Pay the way you already do
Your M-Pesa and bank SMS are picked up automatically, with the merchant, the amount and the charges already split out.
Step 3
We match it up
The photo, the payment SMS and your KRA eTIMS record are lined up into one entry. You only hear from us when something needs your eye.
Who it is for
If your business runs on cash and M-Pesa
You are earning all day. You should not have to do paperwork all night.
Shops, kiosks and retailers
Till and paybill money in, supplier payments out, all sorted without sitting down with a notebook at night.
Wholesalers and traders
Stock bought on M-Pesa, bank transfers and cash all end up in one place, each with its proof attached.
Transport, delivery and ride-hailing
Fuel, tyres, servicing and parking, captured the moment you pay, even when the pump receipt fades.
Food, salons and hospitality
Daily takings and daily costs, tracked as they happen instead of reconstructed at month-end.
Trades, repairs and construction
Materials, labour and transport for every job, with receipts that are still readable when you need them.
Freelancers and consultants
Transport, data, tools and client expenses. Snap it as you go and be ready when tax time comes.
Your tax position
Know where you stand with KRA, all year round
Clarity Ledger does not just record what happened. It keeps checking what it means for your tax.
Turnover Tax
Worked out from the cash you actually bring in, as you go, so you always know what you owe KRA and are never surprised in January.
VAT
We watch your annualised turnover against the VAT registration threshold and warn you before you cross it, so you register on your terms.
Reviewed as you grow
Based on your business, a D2D accountant keeps reviewing where you stand and tells you when something changes, such as when it is time to register for VAT or move up to QuickBooks Online.
What you get
Everything a cash-basis business actually needs
Not a stripped-down accounting package. A purpose-built tool for exactly where your business is today.
Zero data entry
Receipts, M-Pesa and bank SMS and eTIMS records flow in on their own. A person confirms the exceptions, not every line.
Proof that outlives the paper
Thermal receipts fade and ETR ink smudges. Your photo, your payment record and the KRA record are kept together, so the entry still stands.
Already know the regulars
Confirm a supplier once, say your usual stock supplier or fuel station, and from then on it is categorised for you.
Your tax position, always current
Turnover Tax and VAT exposure update as you record, and our team reviews them against your business as it grows.
A short end-of-day email
What was captured, what was posted for you, and the one or two things that need a look. Read it in a minute and get on with your day.
Your own categories
Start with sensible defaults and add categories that match how your business actually earns and spends.
Old way vs. Clarity Ledger
Retire the notebook and the shoebox of receipts
Notebook or Excel
- Faded receipts you cannot defend later
- Evenings spent typing up the day
- No idea what you owe KRA until tax season
- One spilled coffee or lost phone from disaster
Clarity Ledger
- Photo, payment and KRA record kept together
- Entries captured from your phone as you go
- Turnover Tax calculated as you go, no January surprises
- Safely backed up, always available
The partnership ladder
Start simple. Graduate when you're ready.
Clarity Ledger isn't the end of the road, it's the on-ramp. We built it as the first rung on the same ladder that leads to full QuickBooks Online.
Today
Clarity Ledger
Simple cash-basis tracking. Perfect the moment you're ready to stop using a notebook or a fragile spreadsheet.
When you're ready
QuickBooks Online
Full accrual accounting, inventory, multi-currency, and everything a growing business needs. We move your history across when you graduate.
Get started
Sign up for Clarity Ledger
Tell us about your business and we will set you up and start reviewing your tax position.
Clarity Ledger FAQ
Questions, answered honestly
Which businesses is Clarity Ledger for?
Any business that mostly runs on cash, M-Pesa and bank transfers and is not ready for full accounting software. Shops, traders, drivers, salons, restaurants, contractors, freelancers and more.
How do you review my tax position?
Clarity Ledger calculates your Turnover Tax from your real entries and tracks your turnover against the VAT registration threshold. A D2D accountant then reviews where your business stands, based on the kind of business you run and how it is growing, and tells you when something changes or when action is needed.
Do I have to type anything in?
Very little. Receipt photos, M-Pesa and bank SMS and your KRA eTIMS records come in on their own. We only ask you about the exceptions, such as a supplier we have not seen before or an amount that looks unusual.
What if a receipt fades or the ink smudges?
That is exactly what Clarity Ledger is built for. When you snap the receipt at the time, the photo is stored safely, and your M-Pesa or bank confirmation and the KRA eTIMS record sit alongside it. If the paper fades, the entry still has its proof.
Does it work with M-Pesa?
Yes. Live capture of your M-Pesa and bank SMS works on Android phones. On an iPhone, you can still snap receipts and we can load your M-Pesa and bank statements for you.
Is my phone data private?
Yes. Only money messages from M-Pesa and your banks are picked up, and the raw text is not kept in your ledger. Entries keep just the merchant name and the transaction code. You can switch it off at any time, and we explain exactly what is captured before you start.
Is Clarity Ledger the same as QuickBooks Online?
No. It is a simpler, cash-basis tool for businesses that are not ready for, or do not yet need, full accrual accounting. When your business outgrows it, we help you graduate to QuickBooks Online with your history carried across.
What happens as my business grows?
Clarity Ledger flags it for you, including the VAT-registration advisory, so the move to QuickBooks Online happens on your schedule, well before it becomes a compliance scramble.
Is my data safe?
Yes. Your ledger is encrypted, backed up, and only accessible to your business and the D2D team working on your account. See our full data security practices for the details.
How much does it cost?
Clarity Ledger comes as part of your D2D bookkeeping partnership. Talk to us and we will set it up for you as part of onboarding.
Keep earning. We will keep the books.
Clarity Ledger comes as part of your D2D bookkeeping partnership. Tell us about your business and we'll set it up for you.