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Expenses

Know what's going out, not just what's coming in

Most of your spending records itself. The rest takes fifteen seconds.

No card requiredSet up in minutes

The problem you know

You know roughly what you sold. You have no idea what you spent. So “did I make money this month” is a feeling, not a number.

How it works

  1. 1

    Anything that leaves your wallet is recorded automatically — payouts, salaries, fees, refunds, supplier payments.

  2. 2

    Anything uncategorised gets one question. “What was this ₦42,000 for?” One tap and it's filed.

  3. 3

    Cash and other-bank spending you add yourself. Amount, category, date, photo of the receipt if you have one.

The detail

  • Categories set up for your trade — a restaurant's aren't a tailor's
  • Reminders for the regular ones: rent, subscriptions, the generator service
  • Every expense shows up in your reports and your morning brief

Where we stop

We only see money that moves through Smilelink. Cash you spend and payments from another bank are yours to record — so your numbers are as complete as what you enter. We say so everywhere it matters, rather than pretending otherwise.

Start today. It takes a few minutes.

  • Free to start
  • No card
  • Talk to a person any time