Kzt Books · part of KztOne
Bookkeeping that keeps itself: money in, money out, bank matching and proper accounts.
Kzt Books records every payment, expense and supplier bill, matches your bank statement by itself and keeps a real profit and loss and balance sheet. The bookkeeping agent sorts expenses, explains your cash flow and flags anything that does not add up.
- Basic bookkeeping
- 50 transactions a month
- 1 user
- Receipt scanning with your welcome credits
No card needed. Works on WhatsApp. Prices in NGN.
Your AI staff in Books
Bookkeeper
Sorts every expense and receipt into the right account.
Cash-flow analyst
Explains where the money went last month and what is coming.
Reconciliation helper
Matches bank lines to invoices and bills and asks about the rest.
Agents draft and recommend; anything that sends money or messages waits for your yes. Every action is logged.
What Kzt Books does
Everything below is included from the free plan up, with limits that grow with your plan.
Money overview
All your money in one number: banks, Paystack and cash, today.
- · Daily cash position across banks, Paystack and cash
- · Money in and out this month
- · Who owes you and who you owe
Payments
Money in from every channel, confirmed and matched to invoices.
- · Payment proof checker (spots fake alerts)
- · A dedicated bank account number per customer
- · Paystack and Flutterwave
- · Automatic matching to invoices
Debts & instalments
Who owes you, how much, since when — with automatic reminders.
- · Customer debts and ageing
- · Credit limits
- · Instalment plans and layaway (pay small-small)
- · Automatic WhatsApp reminders
Expenses
Snap a receipt; KztOne reads it, sorts it and routes it for approval.
- · Receipt scanning
- · AI bookkeeper sorts expenses
- · Travel expenses and mileage
- · Approval rules
Supplier bills
Bills from suppliers, due dates and payments, so nothing is paid twice.
- · Bills from purchase orders or receipts
- · Due-date reminders
- · Part payments
- · Withholding tax
Banking
Bank accounts, statements and reconciliation, done mostly by itself.
- · Bank feeds
- · Statement upload
- · Automatic reconciliation
- · Transfers between accounts
Accounting
Proper books kept for you: profit and loss, balance sheet and journals.
- · Chart of accounts
- · Automatic double-entry from every sale and expense
- · Profit and loss
- · Balance sheet
Tax & compliance
VAT, withholding tax, e-invoicing and CAC deadlines, ready when due.
- · VAT returns
- · Withholding tax
- · E-invoicing ready
- · CAC annual returns, licences and permit reminders
Business loans
Apply for working capital using your KztOne sales record.
- · Loan readiness score
- · One application to partner lenders
- · Your records do the talking
Suppliers
Everyone you buy from, what you bought and what you owe them.
- · Supplier records
- · Purchase history and prices
- · Balances owed
Reports
Sales, marketing, stock, money and team performance, connected.
- · Cross-department reports
- · Marketing spend to profit
- · Scheduled reports by email or WhatsApp
- · Export to Excel
Forecasts
What sales, cash and stock look like over the next weeks.
- · Sales forecast
- · Cash-flow forecast
- · Stock run-out dates
Kzt Books pricing
Start free. Pay only when you grow: Starter $5, Growth $30, Business $120 a month, shown in NGN. Or get every Kzt app in one KztOne plan.
Prices shown in NGN. Billed through Paystack.
Free
Learn the app at no cost
₦0/month
30 days of every feature, then free with the basics
- Basic bookkeeping
- 50 transactions a month
- 1 user
- Receipt scanning with your welcome credits
Starter
For small businesses leaving spreadsheets and notebooks
₦7,500/month
- Up to 3 users
- 1,000 transactions a month
- Bank statement matching
- 50 AI and 50 email credits a month
Growth
For businesses with staff, several workflows and more volume
₦45,000/month
- Up to 10 users
- 10,000 transactions a month
- Cash-flow analysis agent
- VAT and withholding tax
- 400 AI and 400 email credits a month
Business
For established companies that want automation, agents and controls
₦180,000/month
- Up to 25 users
- Unlimited transactions
- Multi-branch and multi-currency
- 2,100 AI and 2,100 email credits a month
Want everything? See the KztOne plans — one subscription, every Kzt app, never charged twice.
Works with the other Kzt apps
Same customers, invoices and stock underneath. Open another app whenever you need it, with the same login.
Kzt Books: questions people ask
- Is Kzt Books free?
- Yes. You get 30 days of every feature, then a free plan with basic bookkeeping and 50 transactions a month. Paid plans start at $5 a month, shown in your own currency.
- Do I need the whole of KztOne to use Kzt Books?
- No. Kzt Books works on its own at books.kztone.com. If you later open another Kzt app with the same login, your records are already there: one account, one wallet, every app.
- Does it work on WhatsApp?
- Yes. KztOne is WhatsApp-first: customers keep messaging the number they already know, and the app sends invoices, reminders and updates there, with your approval.
- What are credits?
- AI, WhatsApp, SMS and email each have their own credits. Your plan gives you a monthly allowance of each; you can buy more any time, and they never mix. Every new account starts with 50 AI credits and 10 of each messaging credit.
- Is my data safe, and can I leave?
- Your data is yours. Export it as CSV or Excel at any time. Every workspace is isolated at the database level, and payments go through Paystack, Flutterwave or Stripe — KztOne never stores card numbers.