01
Personal
Your money, commitments, and PIT — complete on its own, even if you never open Business.
Dalufy
The Intelligent Book
Personal and Business ledgers on one foundation — kept separate, tax-aware, and ready for Nigeria.
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Africa/Lagos · ₦ kobo books · No merged ledgers
Profiles
Two books. Never one pile.
Switch contexts without mixing balances, tax positions, or who can see what. One platform — two independent lives for your money.
02
Business
Company books, sales, and CIT/VAT — without dragging in a personal budget.
How it works
Post once. Understand everywhere.
Capture the fact in the ledger. CFO insight and tax calculation read the same posted truth — not a second spreadsheet.
- 1
Record
Manual entry, import, or bank sync into the profile you mean.
- 2
See
Overview and CFO speak in posted ₦ — never invented demo balances.
- 3
Decide
Tax with Rule IDs, approvals, and Stale when life changes the books.
Tax intelligence
Built into the ledger — not bolted on
Calculations follow a published Nigerian ruleset. Approve when you are ready. Corrections mark Stale instead of silently rewriting truth.
Who it's for
One foundation, three clear paths
Individuals
A living personal book with tax impact — without spreadsheet archaeology.
Companies
Sales and purchases once; CFO and tax read the same posted facts.
Accountants
Multi-client Business memberships — never through someone else's Personal.
- Independent spinesPersonal or Business alone is enough.
- Membership, not mergerInvite people into a profile — ledgers stay scoped.
- Lagos-native timeCivil dates and books in Africa/Lagos.
Open your book
Start with Personal, Business, or both — unconnected until you choose otherwise.
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