Key facts
| Sector | Fintech / tax tools |
|---|---|
| Type | Free tool suite (13 tools) |
| Market | Nigeria, with UK & Ireland sections |
| What ruxox delivered | Product design, front-end build, client-side PDF generation, ereQa hand-off, launch |
| Status | Live in production |
The brief
Small Nigerian businesses spend a disproportionate amount of time on paperwork that has fixed rules: an invoice needs 7.5% VAT, a TIN and a CAC number; a payslip needs PAYE under the current tax bands; a withholding-tax deduction has a rate that depends on what is being paid for. Most free tools online get the rules wrong for Nigeria, and most that get them right want a sign-up and a subscription.
The brief was to build a suite of tools that a business owner could open, use, and leave with a finished document in under a minute — with the Nigerian rules already applied, and with an optional path into proper bookkeeping when they were ready for it.
What we built
Owoode is thirteen tools, each a single page that does exactly one thing. They fall into four groups:
| Group | Tools |
|---|---|
| Documents | Invoice, proforma invoice, quotation, purchase order (LPO), credit note, waybill, payslip |
| Tax | VAT calculator, PAYE calculator, withholding-tax calculator, tax calculator hub |
| Compliance | E-invoicing guide (who must issue, when tiers go live, what an IRN is) |
| Files | Bank statement to Excel for GTBank, Access, Zenith, UBA, Kuda and Moniepoint |
The documents share a consistent model: fill the fields, see the PDF build live, then either download it or share it on WhatsApp — which, for the audience, is where most invoices actually get sent. The quotation turns into an invoice in one click; the credit note reverses an invoice properly, with the original number referenced and VAT reversed.
The tax calculators encode the current rules rather than a generic percentage. PAYE uses the Nigeria Tax Act 2025 bands with rent relief and pension; VAT explains the small-company threshold; withholding tax tells you the rate, what to pay the vendor, and when to remit. Alongside the Nigerian suite, the site carries UK and Ireland sections with a salary tax calculator and VAT guidance.
How it is built
Nothing is uploaded. Every document is generated on the user's device. That was a design constraint, not an afterthought: the people using these tools are pasting customer names, bank details and salary figures, and a free tool has no business holding that data on a server. It also means the tools work on poor connections once the page has loaded, which matters for the market.
Each tool is deliberately independent — its own page, its own URL, its own metadata — so someone searching for a specific job lands directly on the thing that does it. That is better for the user and better for search engines, which prefer a page that answers one query completely over a dashboard that answers many partially.
The second exit on every tool is save to ereQa, the bookkeeping platform we also built. A one-off document gets downloaded; a document the business wants tracked, matched to a bank statement and ready for an accountant moves into ereQa with one click. Owoode is the free front door; ereQa is the system of record behind it.
What this shows
Owoode is a good example of a product where the hard part was not the code but the rules: getting Nigerian tax treatment right, and being honest on the page about the edge cases the calculator does not cover. It also demonstrates a pattern we recommend often — a suite of narrow, free, privacy-respecting tools as the acquisition layer for a paid platform.
Where this fits
This is a custom software development engagement, and a build of this scope sits in our Product Build tier — see straightforward pricing for what each tier includes and the fixed-price bands. Every engagement starts with a written scope that names the riskiest part of the build, delivered within 48 hours of your brief.