Best Invoicing Software in Ghana (2026)
Reviewed by the Invoicemonk editorial team
We compared the top invoicing tools for Ghanaian businesses — GRA compliance, VAT + levies, TIN support, and multi-currency billing.
1. Invoicemonk
Our PickBest for Ghanaian freelancers & SMEs needing GRA compliance · Pro from $15/month
Invoicemonk handles Ghanaian tax complexity — standard VAT at 15%, plus NHIL (2.5%), GETFund (2.5%), and COVID levy (1%). When GHS is selected, it includes TIN fields and auto-applies the correct rates. The Pro plan covers multi-currency invoicing for billing international clients.
Pros
- GRA-compliant invoice fields (TIN)
- VAT at 15% + levies auto-calculated for GHS
- Multi-currency (GHS, USD, GBP, EUR)
- Free invoice generator — no signup
- Expense tracking included
Cons
- • No direct GRA filing integration
- • No mobile money payment processing
Ready to switch?
Get started with Invoicemonk Pro from $15/month. Upgrade, downgrade, or cancel anytime.
2. Wave
Best for Basic free invoicing (limited Ghana support) · Free
Wave is free but has zero Ghana-specific features. No GRA compliance, no TIN fields, no VAT/NHIL/GETFund defaults, and payment processing doesn't work in Ghana. You'd manually configure all Ghanaian tax requirements.
Pros
- Free invoicing and accounting
- Clean interface
- Receipt scanning
Cons
- • Payment processing unavailable in Ghana
- • No GRA compliance features
- • No TIN fields for Ghana
- • No GHS-specific tax defaults
3. Zoho Invoice
Best for Zoho ecosystem users · Free (5 customers)
Zoho Invoice offers a Pro plan but caps at 5 customers. It doesn't have Ghana-specific VAT or TIN features built in. Works best if you're already in the Zoho ecosystem.
Pros
- Pro from $15/month
- Professional templates
- Multi-currency on paid plans
Cons
- • 5-customer limit on free plan
- • No Ghana-specific tax defaults
- • Complex for simple needs
- • Full features need Zoho Books
4. Sage Business Cloud
Best for Established Ghanaian businesses · From $10/mo
Sage has a presence in Africa and offers multi-currency invoicing with accounting features. However, it's expensive for small businesses and requires significant setup to configure Ghanaian tax rates.
Pros
- Africa presence
- Multi-currency
- Accounting features
- Inventory management
Cons
- • No free plan
- • Complex setup
- • Expensive for micro-businesses
- • Support response times
Ready to switch?
Get started with Invoicemonk Pro from $15/month. Upgrade, downgrade, or cancel anytime.
Pros and cons of each option
Each tool with its "best for" label, price, and the honest trade-offs.
Invoicemonk
Pro $15/moBest overall for Ghanaian businesses invoicing at home and abroad
Pros
- Unlimited invoices, clients and currency accounts
- GRA e-VAT invoicing compliance built in
- Receipt scanning and expense tracking included
- Up to 5 team members on the entry plan
Cons
- —No time tracking
- —No payroll
- —Free plan capped at 3 invoices/month
QuickBooks
From $19/moBest if your accountant requires QuickBooks
Pros
- Full double-entry accounting
- Payroll add-on
- Accountants already know it
Cons
- —Per-seat pricing
- —Multi-currency on higher tiers
- —More tool than pure invoicing needs
Zoho Books
From $15/moBest for Ghanaian teams already using Zoho
Pros
- Time tracking included
- Workflow automation
- Deep Zoho integrations
Cons
- —Customer caps on lower tiers
- —Per-seat pricing
- —Busier interface
Wave
Free tierBest free option only if you invoice US or Canadian clients
Pros
- Free invoicing and accounting
- Receipt capture included
- Quick to set up
Cons
- —Payments and multi-currency limited to the US and Canada
- —No e-invoicing mandate coverage
- —Limited support on the free tier
Frequently Asked Questions
What is the best invoicing software for Ghana?
Invoicemonk is the best invoicing software for Ghanaian businesses in 2026. It includes GRA-compliant TIN fields, auto-calculates VAT at 15% plus NHIL and GETFund levies, and supports multi-currency invoicing — all from $15/month on the Pro plan.
What tax rates apply to Ghanaian invoices?
Ghana applies standard VAT at 15%, plus NHIL at 2.5%, GETFund levy at 2.5%, and COVID-19 Health Recovery Levy at 1%. The effective tax rate is 21% on taxable goods and services.
Do I need a TIN for invoicing in Ghana?
Yes. The Ghana Revenue Authority (GRA) requires all businesses to have a Tax Identification Number (TIN) displayed on invoices. Invoicemonk includes TIN fields by default when GHS is selected.
Ready to switch?
Get started with Invoicemonk Pro from $15/month. Upgrade, downgrade, or cancel anytime.
E-invoicing mandates supported
Invoicemonk is built for the 18 live e-invoicing mandates worldwide — coverage general invoicing tools don't offer, including Ghana's GRA (Ghana Revenue Authority) Certified Invoicing System (E-VAT).
18 mandates live across 5 regions:
Fatoorah Phase 2, Fatoorah Phase 1, MyInvois e-Invoicing, GST e-Invoicing (IRN + QR), Peppol BIS Billing 3.0 (B2B and B2G), FIRS Merchant-Buyer Solution (MBS) e-Invoicing, Making Tax Digital for VAT, eTIMS (Electronic Tax Invoice Management System), Certified Invoicing System (E-VAT), EIS, SARS Tax Invoice Requirements (VAT Act s.20) + e-Filing VAT201, Fiscalisation Data Management System (FDMS), VAT Act tax invoice requirements + SRC e-Filing, NF-e (Nota Fiscal Eletrônica) and NFS-e (services), Invoice Processing Platform (IPP), CRA GST/HST tax invoice + Peppol BIS Billing Canada, FatturaPA via Sistema di Interscambio (clearance), SAF-T BG reporting + B2G Peppol BIS Billing 3.0 and planned domestic e-invoicing.
GRA-Compliant Invoicing — Free
Create GRA-ready invoices with VAT, NHIL, GETFund levies, and TIN. No signup required.
Get started with Invoicemonk