Tawala
Finance & TRA VFD

TRA-Compliant Books,
Without the Drama

Real-time TRA VFD receipts, NMB / CRDB / NBC bank feeds, multi-currency invoicing, full GL — one platform, in TZS, with 24/7 Tanzanian support.

TRA VFD setup in 1 business day · Bank feeds wired in 24 hrs

Tawala Finance dashboard showing TRA VFD receipts and bank feeds

TRA

Certified VFD

9 banks

Direct feeds

0

Setup fees

TZS

Native pricing

Features

Everything an SME finance team needs

A complete double-entry accounting platform with the Tanzanian compliance layer baked in — not bolted on.

TRA VFD Receipts

Every invoice and credit note transmits to TRA in real time. No separate device, no end-of-day panic.

Bank Feeds

Direct feeds for NMB, CRDB, NBC, Stanbic, Equity, DTB, Exim, KCB, Standard Chartered. Auto-reconcile.

Multi-Currency

TZS, USD, EUR, KES. Dual-record automatic. FX gain/loss posts to the GL each month.

M-Pesa / Tigo / Airtel

Customers pay invoices via mobile money. Reconciles against your in-app log automatically.

Cash-flow Forecasting

90-day cash forecast based on AR / AP / payroll. Spot the squeeze before it happens.

Audit Trail

Every change tracked. TRA inspection day becomes routine, not a crisis.

Simple Process

From transaction to TRA-ready report

Books that close themselves, with the Tanzanian regulator handled automatically.

1

Issue an invoice

One click from a quote, a sales order, or a POS sale. TRA VFD receipt issues simultaneously.

Invoice INV-2026-0142
Office chairs × 5750,000
Filing cabinet × 2320,000
VAT 18%192,600
Total (TZS)1,262,600
✓ TRA VFD receipt #DRC-2026-EFD-184729 issued in 0.4s
2

Customer pays

M-Pesa / Tigo Pesa / Airtel Money / bank / card. Tawala matches payment to invoice automatically.

Payment options offered
  • M-Pesa · Lipa Na
  • Tigo Pesa · Hapa Hapa
  • Airtel Money · Pay Bill
  • NMB / CRDB / NBC bank transfer
  • Visa / Mastercard
✓ Auto-matched to INV-0142 in 2.1 s
3

Bank feeds reconcile

NMB / CRDB / NBC statements pull every morning. Tawala matches each line; you only review exceptions.

Today · 47 lines pulled · 06:00
1,262,600 · INV-0142 · auto
  845,000 · INV-0140 · auto
2,100,000 · INV-0138 · auto
!   530,000 · review
46 auto-matched · 1 needs review
4

Reports & TRA filings

P&L, balance sheet, cash flow, VAT return, withholding tax — all generated. TRA-ready with one click.

One-click generation
  • Profit & Loss (monthly + YTD)
  • Balance sheet
  • Cash-flow statement
  • VAT return — TRA format
  • Withholding tax certificates
  • Trial balance · GL by account
In practice

What Finance & VFD looks like in practice

Illustrative scenarios drawn from the operations Tawala Finance is designed to support. Named customer case studies will be published as customers sign off.

"Month-end without bank feeds is a week of statement-matching. With direct API feeds (NMB, CRDB, NBC) and TRA-VFD posting, the close drops from days to hours and the audit trail is already complete."

F

Finance manager

Construction supplies · Arusha

"Many Tanzanian businesses still keep three sets of books — TRA, internal, and bank. A single ledger, properly mapped, collapses that into one source of truth."

M

Multi-branch CFO

Pharmacy chain · Dar es Salaam

"Multi-currency import business needs FX gain/loss posted correctly every month. Done right, the accountant stops charging for "currency adjustments" because there is nothing left to adjust."

A

Apparel importer

Kariakoo · Dar es Salaam

Why Tawala Finance

TRA-native, not TRA-translated

Most accounting platforms in Tanzania are foreign software with a TRA plug-in bolted on. Tawala starts from the Tanzanian ledger and works outward.

TRA VFD certified

Real-time fiscal receipts. Z-reports daily. No separate device, no manual filings.

NMB / CRDB / NBC bank feeds

Direct API feeds — your statements pull every morning, reconciled by lunchtime.

Multi-currency native

TZS, USD, EUR. Dual-record. FX gain/loss to the GL. Importers + exporters covered.

Tanzanian support team

Dar es Salaam-based finance specialists. Swahili + English. WhatsApp + phone, 24/7.

Tanzanian finance team using Tawala
FAQ

Common questions

Do I need a separate TRA VFD device?

No. Tawala IS the VFD — TRA-certified at the cloud-software level. You issue an invoice; the fiscal receipt goes to TRA in real time. No hardware required (though receipt printers are supported for retail).

How does the bank feed actually work?

For supported banks (NMB, CRDB, NBC, Stanbic, Equity, DTB, Exim, KCB, Standard Chartered), Tawala authenticates once with your bank credentials and pulls statements daily via direct API. For others, import CSV / PDF / OFX statements.

Can I keep my existing chart of accounts?

Yes. Import your COA as Excel / CSV. Tawala maps it to the standard Tanzanian accounting framework but keeps your custom account names, codes, and groupings.

Does it handle VAT, withholding tax, and SDL?

Yes — Tanzanian VAT (with TRA filing format), 5% / 10% / 15% withholding scenarios, and SDL once headcount crosses 10. Returns generate ready for upload.

What about multi-company / group accounts?

Kampuni and Shirika plans support unlimited entities under one login, each with its own TRA VFD certificate. Group consolidation, intercompany eliminations, and FX translation are built in.

How do I import opening balances?

Upload a trial balance from your previous system. Tawala creates the opening journal entry on your go-live date. Audit trail preserves the cut-over cleanly.

Can my accountant access the books from outside the company?

Yes. Add an external accountant user with audit-only or full-edit permissions. They see what you allow; nothing else.

How long is the free trial?

14 days, full access. No credit card required to start.

Close your books in a day, not a week

TRA VFD + bank feeds + multi-currency, all native. Plans from TZS 49,000/month.

Run more on Tawala

Pair Finance & VFD with the rest of your stack

By industry

See Finance & VFD in your sector

Read the deep dive

Long-form guides for Tanzanian operators

Ready to put Finance & VFD to work?

Live demo with a Tawala specialist in 30 minutes — or send your team size on WhatsApp for a same-day proposal.

Chat on WhatsApp