Product overview

AI-first financial operations for South African SMMEs

RUMELA is a mobile-first financial operations platform that combines invoicing, expense management, bank reconciliation, cash-flow forecasting, tax estimates and a double-entry ledger — all guided by rumii, your AI bookkeeping assistant.

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Who it is for

Sole traders, freelancers and one-person businesses
Micro-enterprises with no in-house accountant or bookkeeper
Small business owners who operate primarily from mobile devices
Users who need low-data, multi-channel access including WhatsApp and USSD

Core capabilities

Smart invoicing & quotes

Create professional invoices and quotes, track payments, send automated follow-up reminders, and include a shareable payment request. Card payments settle directly to your account; RUMELA does not touch the money.

Receipt & expense capture

Snap a receipt and our OCR extracts vendor, amount, VAT and category automatically. Expenses are organised and ready for tax time.

Bank reconciliation

Import CSV bank statements or connect a bank feed. RUMELA auto-matches transactions to invoices and expenses, with a review screen for unmatched items.

Cash-flow forecasting

AI-powered 30, 60 and 90-day projections based on real invoices, expenses and recurring patterns so you can plan before problems hit.

Tax intelligence

VAT, provisional tax and SARS-ready estimates built for South African tax rules, including Small Business Corporation and Personal Service Provider logic.

Double-entry ledger

General ledger, trial balance, fixed asset register with depreciation, and annual financial statement generation.

Multilingual voice assistant

Talk or type to rumii in English, isiZulu, isiXhosa, Afrikaans, Sesotho or Setswana. Ask questions in plain language and get instant answers.

Mobile-first & PWA

Install RUMELA to your home screen and use it like a native app — offline resilience, push notifications and a bottom-sheet interface.

POPIA-ready security

Encrypted data, audit trails, role-based access for owners, admins, bookkeepers and assistants, and workspace-level permissions.

Meet rumii, your AI bookkeeping assistant

rumii is the AI assistant inside RUMELA. She helps you organise, summarise and understand your own business information, flags cash crunches before they happen, and explains tax and bookkeeping concepts in plain language. rumii is not a financial adviser and does not give tailored financial, investment, tax or legal advice.

Insights from real invoices and expenses
Predictive alerts for low cash, late payers and tax deadlines
Voice or chat in the language your team speaks

Funding information directory

RUMELA may display a directory of funding providers, lenders, insurers and similar financial products. This is general information only. It is not a recommendation, solicitation, credit application, personalised matchmaking service or financial advice.

You must do your own due diligence and consult a qualified professional before entering into any funding, credit or insurance arrangement.

Compliance and disclaimers

RUMELA is not a registered tax practitioner or accounting firm.
Tax estimates and financial reports are clearly labelled as unaudited and for informational purposes only.
Users are directed to consult qualified professionals before making tax or financial decisions.
rumii is an AI bookkeeping assistant, not a financial adviser. It provides general information only, not tailored advice.
Funding information is a static directory, not a recommendation or credit matchmaking service.
Card payments from your clients settle directly to your merchant account; RUMELA does not hold those funds.

Ready to put your finances on autopilot?

Start using RUMELA for free. No monthly subscription, no card required, and no quiet-month charges.

Get started freeView pricing