Features
Everything a private company needs to keep honest books.
One workspace for the ledger, the bills, the partners and the people, built around approvals so your numbers are ones you can trust. Add a shop, a till, a CRM and HR when you need them.
Books
Bank accounts & a real ledger
Every payment, deposit and transfer is backed by a balanced double-entry journal. Records move through draft, review, submission and approval, so the numbers in your reports are numbers someone has checked.
- Bank, cash, card and mobile wallet accounts, each with a purpose (operating, tax, reserve)
- Balanced, atomic journals with approval and idempotent settlement
- Period locks, linked reversals and corrections instead of silent edits
- Partial payments, receipt applications and approved forecasts
Money in & out
Payments, deposits, bills & subscriptions
Enter money in and out in seconds, or let Babu fill the form from a receipt or payment confirmation. Bills and recurring subscriptions generate on schedule and wait for approval before anything is paid.
- Payments and deposits entry with categories and attachments
- Bills with due dates, partial payments and reminders
- Recurring subscriptions: weekly, monthly, quarterly or yearly
- Custom expense forms with safe defaults and required fields
Partners
Profit sharing & distributions
Designed for companies owned by several directors or partners. Hold back tax and operating reserves from approved profit, then allocate the remainder to each person’s agreed share, exactly to the cent, every period.
- Tax-planning and operating reserve holds on a common profit base
- Versioned share agreements with effective dates, approvers and history
- Earned, approved, paid and unpaid tracked separately
- Distributions and withdrawal requests limited to real free cash
- Loss periods never create negative payouts; optional loss carry-forward
Tax
Tax reserves & tax documents
See how much has been set aside for tax, on paper and in cash, and keep the documents your accountant needs organised by period.
- Reserve balances shown on paper versus actually held in cash
- Tax documents stored privately and linked to periods
- Exports that match your report filters
Capital
Investments, loans & capital
Record owner funding, investments and loans, including repayments and recoveries, so the balance sheet tells the full story.
- Owner funding and capital contributions
- Loans given and received, with recovery tracking
- Assets and investments by company
People
Workforce & payroll obligations
Keep employees and contractors, their assignments and compensation next to the books, and always know what you owe versus what you’ve paid.
- Employees, contractors and assignments
- Compensation records with evidence and time
- Payroll obligations separate from payments made
- Payroll details visible only to people with payroll authority
Insight
Reports, BI dashboard & scenario analysis
Company, year and month views built from validated dates. Charts distinguish approved actuals from forecasts, so nobody mistakes a plan for a result.
- Period reports and exports with matching filters
- BI dashboard and automatic insights (Growth and above)
- Scenario analysis for “what if” planning (Pro and above)
- Profit-period and cash-payment-period views side by side
Getting started
Spreadsheet import with review
Bring your existing workbooks. Rows are staged for review, source values and cell locations are kept for traceability, and nothing becomes an approved record until someone checks it.
- Original files stored encrypted and unchanged
- Detects headers, dates and totals, and flags anything implausible
- Summary and control rows are never double-counted as cash
- Duplicate detection against records you already have
Documents
Private, encrypted document storage
Receipts, invoices and statements are encrypted at rest and linked to the records they support. OCR reads the key details so you don’t have to.
- Encrypted storage for every upload
- OCR for receipts and invoices
- Documents follow the same permissions as the records they belong to
Control
Roles, permissions & invitations
Give everyone exactly the access they need. Roles set the defaults; separate grants control who can create, edit, submit, approve, record payments, export, invite or assign.
- Super Admin, Admin, Accounts, Director, Employee, Contractor, Viewer and Workforce Manager roles
- Company-scoped access for groups with several companies
- Secure invitations: single-use, expiring, revocable
Accountability
Audit trail & activity history
An append-only, server-captured history of who did what and when, with passwords, tokens and full payment identifiers redacted.
- Company-scoped activity history for administrators
- Every approval, correction and export recorded
- Nothing is quietly overwritten
Assistant
Babu, your in-app assistant
Babu answers “how do I…” questions, takes you to the right page, answers short questions from your books and prepares entries from typed text or attached receipts, bills and payment confirmations. It also guides new customers through workspace setup.
- Basic assistant on every plan, running on our servers
- Babu AI for advanced understanding on Growth and Pro
- Only sees what the signed-in person is allowed to see
- Never saves on its own: a person always reviews and submits
- Speak to Babu, and have answers read aloud
- Also on our website, answering visitors’ questions from public information
Security
Two-step sign-in, Face ID and every device
Everyone confirms a code sent to their email when they sign in, or uses Face ID, a fingerprint or the device PIN. You can see every sign-in with its device and country, and sign out other devices.
- A 6-digit email code that expires in 10 minutes and works once
- Face ID, fingerprint and device PIN sign-in (passkeys)
- Sign-in history and an email when a new device signs in
- Trust your own browser for 30 days
Anywhere
Works on any phone, even with a weak connection
Use it in the browser on a phone, tablet or computer, or add it to your home screen. When the internet drops, your work is kept on the device and sent by itself when the connection returns, recorded once.
- Entries, POS sales, customers, follow-ups and clock-ins saved offline
- Pages you opened stay readable offline
- Prices in your own currency, including taka
- Updates arrive by themselves, no install needed
Extension
Inventory
One product and stock list for the whole workspace. Your online shop, your till and your books all use it, so stock is always right wherever you sell.
- Products with SKUs, barcodes, categories, prices and photos
- Stock levels with low-stock alerts
- Every movement recorded: purchases, sales, returns and counts
Extension
Your own online shop, with 140 themes
Publish a shop at yourname.smartbusinesswizard.com in minutes. Choose from 140 designs for fashion, groceries, pharmacy, electronics, jewellery, sarees, bakeries, pets and more, and open a live demo of each before you pick.
- Cash on delivery, bKash, Nagad and loyalty points
- Paid orders go into your books for approval; stock updates by itself
- Your logo, banner, words and pages
- Babu answers shoppers’ questions from your own products
Extension
POS: sell in person
A touch-friendly till for a tablet, phone or computer. Scan barcodes, take cash, card, bKash or Nagad, print receipts and cash up at the end of the day. It keeps selling when the internet is down.
- Barcode scanning, discounts and VAT
- Split payments with change worked out for you
- Refunds that put the stock back
- Shift cash-up with expected and counted cash; takings go to your books
Extension
Smart Move: delivery with your own riders
Send shop orders, POS sales or any parcel with your riders. Each rider opens a private page on their phone, no app needed, and marks each delivery picked up, delivered or failed. Customers follow it with a tracking link.
- Assign riders and follow every delivery from waiting to delivered
- Cash on delivery tracked per rider and settled into your books
- Delivery areas and charges, printable shipping labels with barcodes
- Reports on success rate, delivery time, riders and areas
Extension
CRM: customers, deals and follow-ups
Keep every customer and lead in one place, with their online orders and in-store purchases in their history. Move deals along a pipeline and never forget a follow-up.
- Customers and leads with tags, owners and notes
- Deals board from new to won, with values and dates
- Follow-ups: calls, meetings, WhatsApp, with today and overdue lists
- Import everyone who has bought from your shop and till in one click
Extension
HR: staff, payroll and hiring
Everything about your people in one place: profiles, leave, attendance, shifts, monthly payroll, appraisals and recruitment, with salaries going straight into your books.
- Leave requests, approvals and balances, with weekends and holidays left out
- Clock in and out from a phone, even offline; lateness and overtime follow each shift
- Payroll with basic, house rent, medical and conveyance; tax and provident fund; printable payslips
- Unpaid days deducted, overtime paid at twice the hourly basic, advances recovered monthly
- Staff see their own payslips; approved payroll becomes salary expenses in your books
- Appraisals with ratings and goals that staff read and reply to
- Your own careers page with CV upload, applicant stages and one click hiring
- Onboarding and offboarding checklists, announcements and an org chart
- Contracts and staff documents, encrypted, with expiry reminders
Smart Business Wizard is record-keeping and calculation software. Tax reserves, profit shares and payroll obligations are calculated from the rules and data you provide; they are not financial, tax or legal advice. Please confirm important decisions with a qualified professional.
Get your company’s books in order this week.
Start a 30-day free trial. No card required. Babu will help you set up.