02 / SaaS

Mowa Books

Accounting & Bookkeeping App

See it Live

Role

Product Lead | Mowa

Skills

Next.js 16, TypeScript, React 19Dexie (IndexedDB) for local-first storageClerk for authenticationCloudflare Workers via @opennextjs/cloudflareTailwind CSSProduct Strategy & Roadmapping
Mowa Books
FeaturesHow it worksPricingFAQTry the demoStart free trial →
Now in private beta
The books
balance themselves.
Accounting, invoicing & payroll for freelancers, builders and side-hustlers. Send an invoice, run payroll, and the bookkeeping happens by itself.
Start free trial →Try the demo
3-day trial · no card·Income tax · auto·USD · EUR · GBP · NGN
General Ledger · Live
Mowa Studio · April 2026
posting
28/04
Adeola Bakare
INV-2041 · Brand strategy retainer
+ $3,000
27/04
Slack
Software · Workspace subscription
− $80
26/04
Lume Studio
INV-2042 · Q2 design sprint
+ $1,240
25/04
Payroll
April run · 4 employees
− $12,000
Balance, MTD
$28,500.00
Built in Lagos·Tax handled automatically·Multi-business·Donations + grants·Triggers do the bookkeeping·Made for SMEs·Built in Lagos·Tax handled automatically·Multi-business·Donations + grants·Triggers do the bookkeeping·Made for SMEs·Built in Lagos·Tax handled automatically·Multi-business·Donations + grants·Triggers do the bookkeeping·Made for SMEs·
Mowa Books
Books
Mowa Studio
Business · USD
⌄
▤Dashboard
⇄Transactions
✉Invoices
◐Projects
▭Receipts
◉Contacts
◇Accounts
$Payroll
▥Reports
Mowa Studio/DashboardSampleTrial · 3d left
Export your book
Mowa Studio
Welcome back.
April 2026 at a glance.
$13,900 in · $12,500 out · + $1,400 net
Thu · 30 Apr
Income, MTD
$13,900
Booked this month
Expenses, MTD
$12,500
Out the door
Outstanding
2
$3,400 to collect
Active employees
4
On the next run
Cash flow · last 6 months
+ $12,200 net
InOut
NOV
DEC
JAN
FEB
MAR
APR
Next payroll
4 employees,
tax handled.
Income tax · auto-handled
Gross$12,000
− Tax$1,350
Net to pay$10,650
General Ledger
Recent activity
View all →
28/04
Adeola Bakare
INCOME
+ $3,000
27/04
Slack
EXPENSE
− $80
25/04
Payroll
EXPENSE
− $12,000
Mowa Books
Books
Mowa Studio
Business · USD
⌄
▤Dashboard
⇄Transactions
✉Invoices
◐Projects
▭Receipts
◉Contacts
◇Accounts
$Payroll
▥Reports
Mowa Studio/InvoicesSampleTrial · 3d left
+ New invoice
Receivables
Invoices
⌕Search number, client, project…
AllDraftSentPartialPaidOverdue+ New invoice
INV-2043
Thando Mokoena
Editorial illustration · Issued 28/04 · Due 12/05
paid
$2,100
INV-2042
Lume Studio
Q2 design sprint· Issued 24/04 · Due 24/05
sent
$12,500
INV-2041
Adeola Bakare
Brand strategy retainer · Issued 18/04 · Due 02/05
paid
$3,000
INV-2040
Olamide Audio
Podcast brand · Issued 10/04 · Due 24/04
overdue
$1,200
INV-2039
Yemisi Ojo
Site rebuild · Issued 04/04 · Due 18/04
partial
$3,600
$1,080 due
5 invoices
$9,900· $2,280 outstanding
Pricing
One page. Plain dollars.
Plan 01
Solo
For freelancers running one set of books.
$10/ month
  • 1 business✓
  • Invoicing & receipts✓
  • Payroll & tax auto✓
  • Reports✓
Start free trial
Most popular
Plan 02
Studio
For people juggling multiple businesses.
$20/ month
  • Everything in Solo✓
  • Unlimited businesses✓
  • Multi-currency✓
  • Custom branding✓
  • Cross-business reports✓
Start free trial
Plan 03
Cloud
Multi-device sync. Coming soon.
On the way
  • Everything in Studio✓
  • Sync across devices✓
  • Team access✓
  • Audit log✓
Join waitlist
Mowa Books - Image 1

Overview

Mowa Books is a local-first accounting, invoicing, and payroll app for freelancers, builders, and small businesses. The product is built to make day-to-day bookkeeping disappear: send an invoice, run payroll, record a transaction, and the books reconcile themselves. Multi-currency from day one (NGN, USD, GBP, EUR), with payroll tax handled automatically.

Why was it built?

Most bookkeeping tools for small operators ask the user to think like an accountant. Mowa Books does the opposite: the user records what actually happened (sent an invoice, ran payroll, paid a supplier), and the bookkeeping is a consequence of those actions, not a separate task. The product is shaped for freelancers, builders, and small businesses that need clean books for compliance and decision-making without learning accounting in the process.

How is it built?

Mowa Books is a local-first web application. Data lives in the browser via Dexie / IndexedDB, with a clear path to cloud sync as a paid tier. The full Next.js 16 application runs on Cloudflare Workers via @opennextjs/cloudflare, which keeps deployment unified with the rest of the Mowa stack. Authentication runs on Clerk; the payroll tax engine is built in pure functions, fully unit-tested, so payroll calculations stay reliable as the codebase evolves.

What's shipped so far

  • Multi-business books with per-currency accounts (NGN, USD, GBP, EUR).
  • Invoicing with PDF rendering, payment tracking, and partial / paid / overdue states.
  • Payroll with automatic tax calculation.
  • Project-level instalment tracking with CSV import.
  • Categorised transactions, account-scoped reports, and CSV export per report tab.
  • Local backup, restore, and a sample-data first-run flow for new users.
  • In-app knowledge base of 16 step-by-step guides.

Results

  • Live in private beta at books.mowa.work.
  • Built on Next.js 16 + OpenNext + Cloudflare Workers.
  • Multi-currency, multi-business, with automatic payroll tax handling.
  • 3-day free trial, no card required, sample data on first run.

Core Skills & Approach

Full-stack product development and platform architectureLocal-first SaaS architecture and offline-capable designTax and financial domain modellingEditorial / document UX (invoices, receipts, payslips)Pricing, plans, and subscription product design
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