Free Invoice and Quotation Generator

What a good invoice shows

Whatever your business, an invoice is easier to pay, and to defend later, when it shows:

• your business name, address and contact details, and your TIN if you have one;
• the customer’s name and address;
• a unique invoice number, the issue date and the due date;
• a clear description of each item, its quantity and unit price;
• each tax as its own line, with its rate and amount, and the total;
• how to pay: bank details or a Mobile Money number and name.

A quotation shows the same details, but with a “valid until” date instead of a due date.

How the totals are worked out

1. Line amount = quantity × unit price, less the line’s discount percentage.
2. Subtotal = the sum of the line amounts.
3. Overall discount comes off the subtotal, as a percentage or a fixed amount. The result is the taxable amount.
4. Each tax line is its rate × the taxable amount. If you set a tax to compound, it is worked out on the taxable amount plus the taxes listed above it.
5. Total = taxable amount + all tax lines.

Each line, discount and tax is rounded to the nearest pesewa (or the currency’s smallest unit) once, half up, and the total is the sum of those rounded figures. That way the printed numbers always add up.

Ghana VAT and levies in 2026

The Value Added Tax Act, 2025 (Act 1151) took effect on 1 January 2026. The Ghana Revenue Authority’s guidance says:

Charge	Rate	On GHS 1,000
NHIL	2.5%	GHS 25
GETFund levy	2.5%	GHS 25
VAT	15%	GHS 150
Total	20%	GHS 1,200 to pay

All three are charged on the same value: they no longer compound. The GRA has also abolished the 1% COVID-19 Health Recovery Levy and the VAT Flat Rate Scheme, and raised the registration threshold for businesses supplying goods from GHS 200,000 to GHS 750,000. The Act sets no turnover threshold for suppliers of services.

The Use Ghana VAT and levies (2026) button adds those three lines for you. Use it only if you are VAT-registered and the supply is standard-rated. Some supplies are exempt or zero-rated, and the rules may change, so check the GRA’s VAT page or ask your accountant.

E-VAT and why this is not a VAT invoice

Under section 43 of Act 1151, a VAT-registered business must issue its tax invoices through a certified invoicing system integrated with the GRA’s system. The GRA’s E-VAT receipts carry the Commissioner-General’s signature, a QR code for verification, a time stamp and serial numbers, which a document from this tool cannot have. If you are VAT-registered, use this generator for quotations and pro-forma invoices, and issue the VAT invoice itself through E-VAT. The GRA says it offers a free all-round E-VAT system to registered businesses that do not have one, or can connect it to the system you already use.

Tips

• Number invoices in one sequence (INV-0001, INV-0002…). Start a new document moves to the next number for you.
• Set clear payment terms in the notes, for example “Payment within 14 days by bank transfer or Mobile Money”.
• Save your business details once. Your name, logo, payment details and tax lines then fill in for every new document in this browser.
• Keep a copy of every invoice you send. This tool does not keep records, so save each one as a PDF.

To work out take-home pay for staff, try the Ghana PAYE calculator. To combine invoices into one file for a client, use the PDF tools. If you issue many invoices, custom business software can create, send and track them for you.