Action 10
Choose accounting software
- Why it matters
- Pick software that matches your VAT status and reporting needs.
- Best for
- South African SMEs making this decision now.
- Problem it solves
- Manage Money
easy high week
Add to my planManage Money
Decide how to run accounting, banking and cash flow so your business stays healthy.
Manage Money helps you pick accounting software, banking, invoicing and cash-flow tooling that fits your stage and industry.
Recommended next actions
Action 20
Separate business banking
- Why it matters
- Open a dedicated business account and stop mixing personal expenses.
- Best for
- South African SMEs making this decision now.
- Problem it solves
- Manage Money
easy high week
Add to my planAction 30
Set up invoicing & payments
- Why it matters
- Get paid faster with automated invoices and online payment links.
- Best for
- South African SMEs making this decision now.
- Problem it solves
- Manage Money
easy high week
Add to my planAction 40
Build a 13-week cash flow
- Why it matters
- See problems before they hit your bank balance.
- Best for
- South African SMEs making this decision now.
- Problem it solves
- Manage Money
moderate high week
Add to my planRecommended products
Products tagged for this decision are rolling out. In the meantime, browse the relevant product categories directly.
Browse product categoriesRecommended partners
Local service providers who help with manage money. Partners tag themselves against decision outcomes in the partner portal.
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Comparisons
AI recommendation
Give the AI advisor a one-line description of your business and it returns a personalised manage money plan — first action, right tools, matching partners, and a playbook.
Get my personalised planBusiness Fit
Complete a short assessment and we score how ready your business is to act on this decision.
Start assessmentPlaybook
Cash Flow Basics Playbook
Set up the money fundamentals so you always know what you can spend this week.
Cost range: R200 - R2,000 / month
Open playbookGet my money-management recommendation
We match tools, partners, and next steps to your business — free.