Farthingly

Expense management built for African businesses

Fintech

SaaS

Tech

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Hey Product Hunt 👋 I built Farthingly because I got tired of watching finance teams across Africa fight with tools that weren't designed for them. The typical expense workflow at an African SME looks like this: employees submit receipts via WhatsApp or in a physical envelope. Someone manually enters everything into a spreadsheet. Reimbursements happen by bank transfer weeks later. Month-end is chaos. We tried every expense tool on the market. They all assume clean thermal receipts, single currencies, and bank-transfer-only reimbursement. None of them handle the realities of running a business in Lagos, Nairobi, or Accra — handwritten receipts, mobile money payments, multi-currency operations, or local tax compliance. So we built Farthingly from scratch. A few things I'm proud of: → Full approval chains that match how African businesses actually operate — configurable by amount, department, category, or project → Withholding tax calculated automatically across Nigeria, Kenya, Ghana, and South Africa using 2026 rates — no manual lookups → Procurement built in — purchase requests through POs and invoice matching, not just expense claims → Penny, our AI assistant, has live access to your company's spend data. Ask a question, get an answer with real numbers → Corporate cards with spend controls — every swipe becomes an expense automatically Free to start, $2/user/month on Pro. We priced it for African businesses, not Silicon Valley budgets. Would love your feedback. I'm here all day — AMA 🙏