Guides for your business in Ghana

Free, plain-language guides for traders, drivers, farmers and agents — credit, tax, and what things really cost, with real 2026 prices, not guesses.

Credit and daily records

• Who owes me? The customer book for any business in Ghana
• How to record daily sales manually: example daily sales record for a small shop
• Cómo llevar las cuentas de un negocio en un cuaderno (español)

Asking for your money back (copy-ready messages)

• Payment reminder message on WhatsApp: 10 polite messages for customers
• Debt reminder message sample: five steps from gentle to final
• How to ask a friend or family member to pay you back
• Rent reminder message to a tenant
• School fees reminder message to parents
• IOU template: a written record of money you lent

Susu

• Susu app in Ghana: apps that hold the money, and a free way to keep the record
• Susu rules and regulations: a copy-ready template for your group
• How to start a susu business: what the Bank of Ghana says
• Susu collector contribution book (printable)

Printable sheets (free, A4)

• Invoice template for Ghana: filled sample and blank
• Receipt template: three to an A4 page, with a MoMo reference line
• Proforma invoice template
• Delivery note template
• Daily sales sheet with cash and MoMo columns
• Customers-who-owe book for a shop
• Daily expense tracker: print it or download a CSV
• IOU template for money lent
• All printable sheets

Tax

• GRA Modified Taxation Scheme 2026: bands, annual sales, *880#
• How to pay tax in Ghana as a small business
• Vehicle Income Tax (VIT) sticker: taxi, trotro, Bolt car or truck, *222#

Driving and mobile money

• How much do trotro drivers make a day in Ghana?
• MoMo agent commission calculator: what agents earn, what is published
• MTN MoMo cash-out charges calculator (GH₵2,000, 5,000, 7,000, 10,000, 20,000 and any amount)
• MTN MoMo cash-out charges: all amounts and wallet limits
• MoMo to bank 0.75% fee and e-levy: what is true now
• How much do you need to start a mobile money business?

Farming and food business

• Is poultry farming profitable in Ghana? September 2026 prices
• Is pig farming profitable in Ghana? September 2026 prices
• Is kenkey or waakye business profitable? Real 2026 prices

En español: Venezuela y Colombia (todas las guías en español)

• Cuentas de la bodega con dos tasas (Venezuela)
• El cuaderno del fiado para la tienda (Colombia)
• Régimen Simple de Tributación 2026 para negocios pequeños (Colombia)
• Cuaderno de ventas para imprimir: dólares y bolívares
• Bolívares a dólares hoy: BCV y paralelo
• Tasas de cambio hoy: dólar a bolívar y dólar a peso

Start your own book: press and talk

Free money notebook for any business in Ghana. No password, no MoMo PIN, no Ghana Card.

Today's cedi exchange rates · Is CountMy safe? · Questions: message us on WhatsApp.