01
Invoicing
Send an invoice in a minute and let customers pay online. See who owes you and chase them in one click.
Explore Invoicing
Money Manager
Your money, all in one place.
Money Manager is simple money management software for small businesses: send invoices, get paid by Paystack or Stripe, track spending and see what your balance could look like next month. Chip tells you what needs your attention first.
Free plan, no card needed. Or book a demo.
Overview
What came in, what went out, what's owed.
Open Money Manager and this month is already added up: money in, money out and what customers still owe you, with the overdue part in red. A six-month chart shows the trend at a glance.
- Money in, Money out and Outstanding, updated as payments land
- Money movement: six months of inflow vs outflow
- Cash outlook: your estimated balance in 30 days
Finance Inbox
A to-do list for your money.
The Finance Inbox raises the things that need you, and clears them when they're done: an overdue invoice, a failed payment, expenses with no category, a payment that doesn't match an invoice yet, a cash dip coming up.
- Overdue invoices, failed payments and duplicates flagged for you
- One-click action on every item, or snooze it
- Chip can prioritise overdue invoices or explain a cash alert
Transactions
Every payment matched to what it was for.
Payments from invoices, bookings, forms, payment links and subscriptions land in one feed next to your expenses and bills. When a payment pays an invoice, it's matched on its own. If one slips through, click Match to invoice.
- Filter by Money in, Money out, Paystack, Stripe, Refunds or Failed
- Reconciled, Needs matching or Not an invoice payment on every row
- Search by customer, description or reference
Chip
Ask about your money in plain words.
Chip's money brief sums up the month for you, built from your real numbers. Tap Summarize my expenses, What can I cut? or Draft a reminder, or ask Chip anything from any screen.
- A plain-language brief of the month on the overview
- Ask Chip on every invoice, transaction and inbox item
- Chip drafts a friendly (or firm but friendly) payment reminder
Inside
Everything Money Manager does.
Each part has its own page. Start anywhere: they all share the same customers, payments and numbers.
02
Get Paid
Payment links, a pay me page, a quick point of sale and QR codes. Paystack or Stripe, straight to your account.
Explore Get Paid
03
Subscriptions
Sell a monthly or yearly plan. Customers subscribe with one link and renewals are charged by your provider.
Explore Subscriptions
04
Estimates, proposals & contracts
Quote the job, get the contract signed and turn the accepted estimate into an invoice without retyping.
Explore Estimates, proposals & contracts
05
Expenses, bills & reimbursements
Log spending with receipts, keep recurring costs in view, approve bills and pay back your team.
Explore Expenses, bills & reimbursements
06
Cash flow, budgets & profitability
See next month's balance before it happens, test a what-if, and set budgets that warn you at 80%.
Explore Cash flow, budgets & profitability
07
Reports
A cash-basis profit and loss, receivables and payables aging and a tax summary. Export to CSV any time.
Explore ReportsWhat comes next
From a quote to money in your bank.
Every step lives on the same customer record, so nothing gets typed twice.
A customer asks for a price
-
You send an estimate
Line items, tax and discount, sent by email.
Estimate -
It becomes an invoice
Convert to invoice keeps the same line items.
Invoice -
They pay online
Card, bank transfer, USSD or mobile money.
PaystackStripe -
It's matched and counted
On the customer, in Transactions and in Reports.
Reconciled
Paid, and in your reports
Works with everything
Money talks to the rest of your business.
Everything below shows up on the client's record on its own, so you never piece the story together by hand.
CRMInvoices and payments show on the customer's record
WorkExpenses and profit tracked per project
MarketingCampaign budgets are one number in both places
MoneyOne record per client
SitesStore products sell from Get Paid in a tap
PeopleBills and reimbursements pay your team
Chip AIChip explains the numbers and drafts reminders
Chip AI
Ask Chip. It already knows your money.
Chip works from your own records, so the answer comes with names, amounts and dates, and a next step you can take in one click.
Plans
Which plans include Money Manager?
Money Manager is on every plan, including Free. Free sends 5 invoices a month; Starter and above send as many as you like, and every paid plan starts with a 30-day trial.
- FreeIncluded, free forever
- StarterIncluded, 30-day trial
- GrowthIncluded, 30-day trial
- ScaleIncluded, 30-day trial
Everything in Money Manager
Questions about Money Manager
Is Money Manager free?
Yes. Money Manager is on every plan, including Free, with 5 invoices a month. Starter unlocks unlimited invoices. See the pricing page for prices.
Does startbuddi hold my money?
No. Paystack settles straight to your bank account and Stripe pays into your own Stripe account. startbuddi takes no cut; your provider's usual fees apply.
Can I connect my bank account?
Not yet. Balances come from your connected Stripe account, payments come in through Paystack and Stripe, and you add expenses yourself with a receipt.
Does it replace my accountant?
No. It keeps clean, cash-basis records of what came in and went out, and you can export them to CSV for your accountant. It doesn't do tax filing.
Which currencies can I use?
Your workspace has one reporting currency (naira by default). Invoices and estimates can use any currency code, and payment links in Nigeria can charge in NGN, GHS, KES, ZAR, USD, GBP, EUR and more.
Know what you have, what you're owed and what's coming.
Invoices, payments, spending and cash flow, next to your customers. Free to start, set up in an afternoon.
Or book a demo and we'll set it up with you.