No modules to buy. No features locked behind paywalls you can't see. Tap any card below for the full detail on how it works and which tier includes it.
Create, send and track professional invoices and quotes in minutes.
SARS-compliant TAX INVOICES with sequential numbering, VAT split, and your business details automatically included.
A tax invoice in South Africa isn't just a bill — SARS has exact legal requirements for what must appear on it before a customer can claim input VAT, or before it holds up under audit. Get it wrong and you end up chasing customers to re-issue paperwork.
Create professional quotes and convert to invoice in one click when accepted — no retyping.
Chasing a customer to retype a quote into an invoice once they've said yes wastes time and risks mistakes. Quote Builder removes the second step entirely.
Send invoices directly to customer WhatsApp. The fastest way to get paid in SA.
Email invoices in South Africa often sit unread for days. WhatsApp is opened within minutes — Setwel sends your invoice as a PDF straight into your customer's chat, so payment happens faster.
Send PDF invoices and quotes via email with your logo and professional design.
Some clients — especially corporates and accountants — still expect invoices by email. Setwel handles that without any extra software.
Generate full account statements showing all invoices, payments, and outstanding balance.
When a customer disputes what they owe, a statement settles it in seconds — not with a back-and-forth over WhatsApp.
Set up automatic recurring invoices for clients on monthly retainer or subscription.
For retainers, subscriptions and monthly service contracts, retyping the same invoice every month is wasted admin time.
Full SARS-compliant payroll for any number of employees, including domestic workers.
Automated PAYE calculation using current SARS tables — correct tax deducted from every payslip.
Calculating PAYE by hand means tracking SARS tax tables, rebates and thresholds that change every tax year — get it wrong and either your employee is underpaid or you're under-deducting and liable for the shortfall.
Professional payslips generated in seconds showing all deductions and net pay clearly.
A proper payslip is a legal requirement under the Basic Conditions of Employment Act, not a nice-to-have — a handwritten or spreadsheet payslip is often the first thing a labour inspector or bank queries.
Complete payroll and IRP5 for domestic workers — keep your household employer obligations legal.
If you employ a domestic worker for more than 24 hours a month, South African law requires you to register them for UIF and issue proper payslips — many households only discover this when the worker needs to claim UIF and there's no record.
Year-end IRP5 summaries for every employee — formatted exactly as SARS requires for submission.
Employer annual reconciliation season (EMP501) is one of the most stressful compliance events for a small business — Setwel keeps the numbers ready all year so the deadline isn't a scramble.
UIF and SDL contributions calculated and tracked automatically for every employee.
UIF and SDL are easy to forget because they're small percentages — but missing them is exactly the kind of error that turns up in a SARS or Department of Labour audit.
Manage payroll for as many employees as you need — from 1 domestic worker to 50+ staff.
Payroll software built for a five-person office often breaks down once you're running shifts, casual labour or multiple pay frequencies. Setwel scales with you instead of forcing a switch later.
Real-time stock tracking integrated with your sales and purchases.
Real-time stock levels updated automatically when you create invoices or receive supplier deliveries.
Selling stock you don't actually have in the drawer or storeroom is one of the fastest ways to damage customer trust. Automatic stock tracking removes the guesswork.
Get notified when any product falls below your set minimum quantity — before you run out.
Running out of a fast-moving item mid-month costs sales you can't get back. Low stock alerts give you the lead time to reorder before the shelf is empty.
Know the current value of all your stock at any time — FIFO or weighted average costing.
Stock sitting in your storeroom is money — but most small businesses have no idea what it's actually worth until they do a manual count. Stock valuation gives you that number instantly.
Create purchase orders to suppliers linked directly to your inventory for seamless receiving.
Ordering stock over WhatsApp with no paper trail makes it hard to know what you actually ordered versus what arrived. Purchase orders close that gap.
Manage a full product catalogue with descriptions, SKUs, pricing, and VAT rates.
Typing out product descriptions and prices on every single invoice wastes time and invites pricing mistakes. Build your catalogue once, then just tap to add.
See which products sell best, your best customers, and seasonal trends at a glance.
Buying stock based on gut feel means money tied up in items that don't move. Sales analytics shows you exactly what's actually selling.
Everything you need to stay compliant with SARS — without an accountant.
💰 Try our free tax calculator →Automatic VAT output, input, and liability calculation — exported in the exact format for SARS eFiling.
VAT201 is due every two months (or monthly, depending on your category) and getting the output/input split wrong is one of the most common reasons SARS flags a return for review.
Every invoice is formatted as a TAX INVOICE meeting all SARS legal requirements.
The same TAX Invoice engine used across the platform — every sale you make already meets SARS's legal requirements without extra setup.
Full VAT reconciliation showing all taxable sales, exempt sales, and claimable input VAT.
If SARS ever calls for a VAT verification or audit, the first thing they ask for is a reconciliation between your VAT201 submissions and your actual books. Having it ready in seconds instead of days makes the process far less stressful.
Never miss a VAT201 or payroll submission deadline — built-in reminders for all SARS due dates.
SARS penalties and interest for late submission start accruing from day one — there's no grace period. A missed VAT201 or EMP201 deadline is money lost for no reason.
Estimated income tax and take-home pay shown on your dashboard for provisional tax planning.
Provisional taxpayers who don't set money aside during the year are often hit with a large, unexpected bill in August and February. Seeing the estimate as you go means no surprises.
SARS rates updated every February after the Budget Speech — always using the current year rates.
Tax tables, rebates, UIF ceilings and VAT rates can all change at the Budget Speech. Software running on last year's numbers quietly produces wrong payslips and wrong VAT201s until someone notices.
Professional financial reports that tell you exactly how your business is performing.
Real-time P&L statement showing gross profit, operating expenses, and net profit for any period.
Most small business owners only find out if they made money at tax time — by then it's too late to change anything. A live P&L means you know today, not in eight months.
Full balance sheet showing assets, liabilities, and equity — formatted for banks and lenders.
A bank or supplier extending credit will almost always ask for a balance sheet before they say yes. Having one ready in the format they expect speeds up every application.
Cash flow report showing where money is coming in and going out — prevent cash crunches.
A business can be profitable on paper and still run out of cash to pay salaries or rent. The cash flow statement shows the timing gap that a P&L alone hides.
See exactly who owes you, for how long, with 30/60/90+ day buckets for debt collection.
Chasing payment is far more effective when you know exactly who's overdue and by how long. The aged debtors report turns a vague sense of "people owe me money" into a prioritised collection list.
Track what you owe suppliers with due dates — manage cash flow and avoid late payment.
Paying suppliers late damages the credit terms and goodwill you've built up — but it's easy to lose track when bills arrive by email, WhatsApp and paper all at once.
Export all reports as PDF or CSV — give your accountant exactly what they need.
The more work your accountant has to do reconstructing your books from scratch, the more they bill you. Clean exports mean they spend their time on advice, not data entry.
Built for South African realities — not ported from overseas software. Tap any card for the full picture.
Daily opening float, cash sales, change tracking, and closing count — built for cash-first, till-based businesses.
Most SA spaza shops, salons and market stalls lose money not through theft, but through a till that's never actually counted. The float tracker closes that gap:
Member contributions, rotation payouts, and meeting expenses — transparent stokvel management every member can verify.
South Africa has an estimated 800,000+ active stokvels moving billions of rand a year, and most are still run on a notebook or a WhatsApp group, which makes disputes over "who paid" common. Setwel's Stokvel Manager exists to remove that friction:
Track and manage supplier development spend to support B-BBEE compliance. Categorise spend and generate reports for verification agencies.
Track layby deposits, balances, collection dates with automatic WhatsApp reminders.
Send invoices in English, Afrikaans, isiZulu, isiXhosa, Tshivenda or Sesotho.
Professional tender support services to help SA businesses win government and corporate tenders. Expert consultants handle every step of the application process.
30-day free trial. No credit card. Full access to all features.
↓ Download Free Trial
Setwel Biz Suite