Budgeting
Budgeting software for Nigerian small businesses
Decide how much goes to stock, rent, power, staff and the rest before you spend it. Then watch each bucket fill up as you record expenses, next to your sales and profit. No commission on your sales.
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Built for owners who want to stay in control of spending
- Businesses that sell products
- Businesses that take bookings
- Businesses that offer rentals
- Owners who still plan spending in a notebook
- Owners who want to pay themselves properly
How it works
Plan your month
Set an amount for each bucket, or enter one total and let Zerrar share it across the buckets that fit your kind of business.
Record expenses as usual
Every expense you record counts against its bucket, so there is nothing extra to update.
Watch the gauges
See how much of each bucket is used, what is left, and when you are close to or over your plan.
Everything you need to plan and track your spending
Plain-English buckets
Standard buckets such as buying stock, shop rent, power, staff, delivery, adverts, loan and your own pay, so you plan in words you already use.
Your own buckets
Name a bucket and choose which expense types go into it. An expense type can only sit in one bucket, so nothing is counted twice.
Starter budget
Enter what you expect to spend in total and Zerrar shares it across the buckets that matter most for your kind of business. Adjust any of them afterwards.
Copy last month
Start a new month from last month plan in one tap, then change what needs changing.
Money target
Set what you want to earn this month. Your sales and service income are counted against it automatically.
Budget against actual
Each bucket shows spent against planned, what is left, and a warning when you are close to your limit or over it.
Four numbers at a glance
Planned, spent so far, left to spend (or over plan) and profit so far against the profit you are aiming for.
Spending with no bucket
See how much you spent on things you did not plan for, so you know when to add a bucket.
Matches your expenses
Spending figures come from the expenses you record, so your budget always agrees with your books.
Notes on each bucket
Add a reminder such as "do not go above this on ads" so the rule travels with the number.
Frequently asked questions
What is a business budget?
A plan for how much you will spend and earn in a month, made before the money moves. It helps you catch overspending while there is still time to change it.
What is a bucket?
A bucket is one purpose you set money aside for, such as stock, rent or adverts. You give each bucket an amount for the month and Zerrar tracks spending against it.
How does Zerrar know what I have spent?
From the expenses you record. Each expense type belongs to a bucket, so what you spent always matches your expenses.
Can I make my own buckets?
Yes. Give the bucket a name and choose which expense types belong in it.
What is a starter budget?
A quick way to begin. You enter a total for the month and Zerrar divides it across the buckets that fit your kind of business. You can change any amount afterwards.
Can I copy last month?
Yes. Copy last month plan into the new month, then adjust it.
Does it track what I earn as well as what I spend?
Yes. Set a money target for the month and see what you have earned so far against it. Your sales and service income are counted for you.
What if I spend on something I did not plan for?
Zerrar shows the total you spent outside your buckets, so you can see it and add a bucket if it keeps happening.
Is budgeting the same as bookkeeping?
No. A budget is your plan for the month. Your books record what actually happened. In Zerrar they sit together, so you can compare the two.
What does Zerrar cost?
You can start free and no card is needed to sign up. Paid plans start at ₦8,000 a month, and the pricing page lists what each plan includes.
Ready to plan your money before you spend it?
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