Patch Expense

Patch Expense: I sabi my business expenses.

Every naira, accounted for. Patch Expense is the expense tracker built for Nigerian small businesses: traders, shop owners, artisans, food sellers and growing teams. Log expenses with your voice, let your bank alerts and receipts record themselves, and have your books ready when tax time comes.

TALK AM, E DON ENTER
Just say "Hey Emmy, I spent 5,000 on fuel" and it's logged, with the right amount and category. No typing, no forms. Emmy, your expense assistant, listens and confirms before anything is saved.

MONEY WEY COMOT, PATCH DON CATCH AM
When money leaves your account, Patch Expense notices:
• Bank debit alerts by SMS
• Notifications from OPay, Moniepoint, Kuda, PalmPay and bank apps
• Screenshots of transfer receipts
• Photos of paper receipts and POS slips
Emmy reads the payment, prepares the expense and asks: "Is it an office expense?" Say yes, or tap. Credits, OTPs and adverts are ignored, and when your bank sends both an SMS and an app alert for one payment, it's logged once.

RECEIPT NO GO LOSS AGAIN
Every receipt is kept with its expense. See at a glance which expenses still need a receipt, and get reminded before they pile up.

NO DEY GUESS YOUR PROFIT AGAIN
• Daily, weekly, monthly and yearly totals
• Top spending categories and breakdowns
• Spending trends, week to week and month to month
• A forecast of where this month is heading
• Ask Emmy questions like "What were my biggest expenses this year?" and get answers worked out from your own records

TAX-READY REPORTS IN ONE TAP
Share a clear PDF or spreadsheet report with every expense numbered and every receipt attached. Business Pro adds a Tax Evidence Pack and a readiness check that shows what still needs attention.

YOUR ACCOUNTANT GO THANK YOU
Invite your accountant (Business Pro). You decide what they can see and do. They review expenses, ask for missing receipts, comment and flag, and you answer from your phone. You stay the owner of your data.

SMALL BUSINESS, BIG SENSE
• Free to start: track expenses by voice or by hand, with 10 automatic captures a month
• Business: unlimited automatic capture, AI receipt reading, missing-receipt alerts and advanced reports
• Business Pro: everything in Business, plus accountant collaboration, the Tax Evidence Pack and more storage
Pay by card or bank transfer, and cancel any time.

YOUR DATA, YOUR BUSINESS
Bank alerts are read on your phone, and only debit alerts become expenses. Your expenses are saved on your phone and backed up to your Patch Expense account, so a new phone brings them back. Works in Naira by default, with other currencies available, and in dark or light mode.

Patch Expense. I sabi my business expenses...Every naira accounted for: voice logging, auto receipts, tax-ready reports.