Sell and invoice
Sell from your phone. Invoices numbered without gaps, receipts against them, credit tracked per customer — and money back, when it has to go back, as its own numbered document.
Accounting that speaks your language
Every entry accounted for.
ThumaBooks keeps double-entry books for businesses that never had them — a tuck shop, a kombi fleet, a growing enterprise. Photograph a receipt, sell from your phone, and the software proposes the accounting in plain words, in your language. Nothing lands in your books unless you approve it, or a rule you wrote does — and every entry says which.
Posted entries are never edited — ever
Thuma Express Holdings, Inc. · Delaware
VAT backed out at 15.5/115.5, never bolted on
The entry a sale becomes
Nothing hidden
USD $
DebitCredit
1000Cash on hand230.00
4000Sales199.13
2310VAT owed to ZIMRA30.87
Totals230.00230.00
This is the real arithmetic the product runs: VAT is backed out of the price you charged at 15.5/115.5, never added on top of it, and every amount posts twice — once as a debit, once as a credit. The app shows you this entry, in your language, before anything is recorded.
×2
Every amount posts twice — a debit and a credit that must agree
0
Posted entries ever edited or deleted — corrections are new entries
5
Languages your books speak — English, Shona, Ndebele, Swahili, French
1 tap
To export everything, machine-readable, yours, without asking us
What it does
The whole month, from a phone
Built for how business actually runs here — cash and EcoCash, paper receipts, one person doing everything. The accounting happens underneath; you see plain sentences.
Photograph a paper
A receipt, a supplier invoice, a bank slip. The software reads it and proposes the entry with its reasons. It waits for you, unless a rule you switched on covers it — and every entry names who, or which rule, posted it.
The bank, reconciled
Import a statement and watch the lines find their invoices. What matches is suggested with the reason it matches; what doesn't is an honest open item, not a hidden one.
Close the month
A checklist that knows what's still open, a VAT working total computed from your own entries, and a close that locks the period — late paperwork posts into the open month with the true date kept.
How an entry happens
Four steps, and you are the third one
01
Something happens
You sell, you buy, you photograph a paper, a bank statement arrives. Every one of them is captured with its source — a photo, a line on a statement, a sale you rang up.
02
The software proposes
It reads the document, codes the transaction, and writes the proposal in plain words in your language — with what it based the proposal on, and how sure it is. Frequently right; sometimes wrong. That is why there is a step three.
03
You approve
The entry waits in a review queue for somebody with access to your books. Approving is your decision; so is fixing it first. Nothing is entered into your books without a person accepting it.
04
It posts — permanently
The entry lands in an append-only ledger, cryptographically chained to the entry before it. It will never be edited or quietly deleted; a correction is a new entry that says what it corrects.
The watchdog
Somebody watching the shop
Every day, ThumaBooks reads your books the way a sharp-eyed accountant would, and tells you what it noticed — in money, never percentages, and never the same thing twice in a day. Five things a day at most, worst first.
Sold below cost
"Cooking oil went out at $2.27 net; the last delivery cost $2.55 a bottle." A loss with a polite face, caught the day it happens instead of at month-end.
A supplier price jump
"This delivery cost $3.10 a bottle; the last one cost $2.55." A 21% jump is a conversation with your supplier — the watchdog makes sure it happens this week, not this quarter.
Money out, no tax beside it
"$200 left the bank with no IMTT recorded next to it." Either the tax entry is missing or the charge is — both are worth two minutes today and an argument avoided later.
You can mute a check — and the mute is visible, named, and signed. When somebody asks why the watchdog said nothing, the answer is on the page: who muted it, and when. Silence in your books is never anonymous.
Why you can believe these books
Built like a bank ledger, not a spreadsheet
The ledger
Append-only, cryptographically chained
Every entry carries a hash of the one before it. Editing history breaks the chain visibly; corrections post forward, so the history of a mistake stays readable.
Access
Named people, named roles, a log of the door
Who may read, capture, approve, change the chart or close a period is set per person. Letting somebody in — and showing them out — is recorded in an append-only access log.
Your data
Export everything, any time, without asking
One tap produces your complete books in machine-readable form. Yours to take to any accountant, any auditor, any competitor of ours.
If you stop paying
Read-only, never hostage
A lapsed subscription makes your books read-only — everything already recorded stays visible and exportable. We do not delete your books because an invoice is late.
And what ThumaBooks is not: it is not your accountant, bookkeeper, auditor or tax agent, and nothing in it is accounting or tax advice. It is built to be used alongside an accountant — give yours access in two taps. The full service terms are published before anybody is asked to agree to anything.
The AI, on a leash you hold
It proposes. You dispose.
Every automated suggestion in ThumaBooks shows what it was based on and how confident it is — and waits. The one thing the AI is never allowed to do is write your books by itself.
Reads your paperwork
Receipts, invoices, statements — photographed or forwarded. What it read is shown next to what it proposes, so a misread number is caught by a glance, not an audit.
Explains itself, in your language
"Coded to Transport because the last four payments to this name were Transport." A proposal you can disagree with is a proposal that respects you.
Learns with provenance — and an off switch
What the books learn about your patterns is listed where you can read it, each item with its source — and each item can be forgotten, visibly, on your instruction.
ZIMRA, without the queue
Fiscalisation is wired in, not bolted on
For VAT-registered businesses in Zimbabwe, ThumaBooks connects to ZIMRA's Fiscalisation Data Management System. Register your fiscal device once and every invoice and credit note is submitted with its fiscal reference kept on the document.
Where ThumaBooks lives
In the Thuma Express app — and on a desk when the month ends.
There is no separate accounting app to learn. Install Thuma Express and your books are already there, beside the wallet your money moves through. When it is time for the serious hour — the review queue, the reports, the close — the Books Desk runs in any browser, made for a laptop and an accountant.
Already using Thuma Express? Your books are under Books in the app. More about the group at thumaexpress.com.
- Sell, invoice and take payments — every entry on the record.
- Photograph receipts; approve the proposals when you have a minute.
- A daily answer to "did we make money yesterday?" on the home screen.
- The Books Desk in a browser for the accountant and the month-end.
- Everything in English, Shona, Ndebele, Swahili or French.
One network
The services do the work. The books keep the score.
ThumaBooks stands on its own — bring any business, from any till. But inside the Thuma network it has an unfair advantage: when your shop sells through ThumaTrade and gets paid through ThumaPay, those transactions already happened on our rails, and your books receive them as records of fact rather than typing.
- ThumaBooks Double-entry books, proposals you approve, a watchdog, a close — the record every other service can write into. You are here
- ThumaTradeShops sell online; orders become deliveries — and sales your books already know about. ThumaBooks is part of the ThumaTrade offer.
- ThumaPayThe wallet and settlement rail. What it settles, your books can receive as fact.
- ThumaExpressParcels across Zimbabwe — each delivery fee a line your books can carry.
- ThumaFleetVehicles, drivers and their earnings, managed together.
- ThumaHubThe counters and agents where cash meets the network.
Every service in the group produces transactions. Only one place turns them into an answer to the question every owner actually has: did we make money? More about the network at thumaexpress.com.
Open your books
Start with a phone and a shoebox of receipts. Keep books you could hand to a bank, an auditor, or ZIMRA — and understand every line of them.