The operating tools that sit around the money.

Calculators, reminders, statements, registration help, and plain-language insight — so running the numbers doesn't need a separate spreadsheet habit.
What's inside

Tools built around a merchant's real numbers.

01
TIN setup, filing reminders, a VAT calculator, and income-tax estimates built around the Nigeria Tax Act 2025 — informational, never a substitute for a qualified tax professional.
Tax & compliance
02
Plain-language reporting on best sellers, slow days, customer behaviour, and cash flow — read in a minute, not built in a dashboard.
Business insights
03
A memory layer that learns a merchant's products, customers, sales, and operations, and can answer questions about the business in plain language.
AI business brain
Get started

Let Klovo carry the paperwork.

Tax reminders, plain-language insights, and a business brain that learns as the shop grows.