Ghana
Ghanaian finance teams buy accounting software for three jobs: keeping clean books in cedis while suppliers bill in dollars, producing GRA-certified invoices as E-VAT reaches every VAT-registered business, and getting a month-end close that does not depend on one person’s spreadsheet.
Almost every product sold in Ghana is priced in US dollars. The profiles below convert list prices to cedis at a dated rate, say which products integrate with GRA’s E-VAT system natively and which need a partner, and name the products we would not buy for a Ghanaian company.
Ghana · 2026
| Requirement | Amount | Sources |
|---|---|---|
| USD/GHS for software prices | GH₵11.65 (mid-market, 21 Oct 2026) | Bank FX sheets, mid-marketAs of 21 Oct 2026 |
| Effective VAT on standard suppliesRule changed | 20% (15% VAT + 2.5% NHIL + 2.5% GETFund, all creditable) | VAT Act 2025 (Act 1151)As of 1 Jan 2026 |
| VAT registration threshold (goods)Rule changed | GH¢750,000 turnover | GRA, via MyJoyOnlineAs of 1 Jan 2026 |
| E-invoicing | GRA E-VAT, phased to all VAT-registered businesses | GRA E-VAT programmeAs of 28 Oct 2026 |
Featured software
QuickBooksAccountingNot African-madeUnited StatesUS-priced cloud ledger with the widest accountant ecosystem, billed in USD.
Zoho BooksAccountingNot African-madeIndiaLow-cost cloud ledger with a free tier and local-currency prices in Nigeria, Kenya and South Africa.
XeroAccountingNot African-madeNew ZealandUnlimited-user cloud ledger with a large app marketplace; priced in rand in South Africa.
TallyPrimeAccountingNot African-madeIndiaDesktop-first accounting and inventory with a one-time licence, priced in shillings in Kenya.
Microsoft Dynamics 365 Business CentralAll-in-oneNot African-madeDenmark (Navision lineage) / United StatesMid-market cloud ERP from Microsoft: finance, inventory and purchasing for growing companies.
TymsAll-in-oneAfrican-madeNigeriaAI-native double-entry books with inventory, payroll and approvals, billed per seat; built in Lagos.
What a Ghanaian SME pays per month (list, converted)
Zoho Books Standard
≈ GH₵175
$15/org/month, billed annually
QuickBooks Simple Start
≈ GH₵443
$38/month US list
Xero Growing
≈ GH₵687
$59/month US list
Business Central Essentials
≈ GH₵932 per user
$80/user/month + partner
Start here in Ghana
- How to choose accounting software in Ghana
E-VAT, cedi books and month-end, step by step.
- QuickBooks alternatives in Ghana
Ranked for a Ghanaian SME.
- QuickBooks vs Zoho Books in Ghana
The two most requested cloud ledgers.
Questions Ghanaian buyers ask
Is there accounting software priced in cedis?
Very little. Global products bill in US dollars; some local resellers of TallyPrime and Sage quote in cedis. We convert list prices at a dated mid-market rate on each profile.
Which accounting software connects to GRA E-VAT?
GRA offers its own invoicing system free of charge and an API for integrating existing ERP and POS software. Ask any vendor for a live E-VAT-certified invoice from a Ghanaian customer before you sign.
Do I still need software if I use GRA’s free E-VAT invoicing?
Yes. GRA’s system certifies invoices; it does not keep your general ledger, bank reconciliation, payables, inventory or management accounts.
Sources
- Crowe Ghana — VAT reform 2026 28 Oct 2026
- Fonoa — Ghana E-VAT mandate 28 Oct 2026
- Citi Newsroom — GRA confirms 1 January 2026 start 28 Oct 2026