For Indian founders, agencies & small businesses
GST invoicing & finance, without the Tally tax.
Issue compliant invoices, record bills, reconcile bank statements, and see your runway — in a tool your team can actually use. No installers, no accountant required to set it up.
No card required · Cancel anytime · Data in India
Plenitude Systems
The state of your business right now
Output tax
₹1,84,500
ITC available
₹42,300
Net payable
₹1,42,200
Pay by 20 Aug
Cash position
₹18.4 L
Monthly burn
₹3.2 L
Runway
5.7 mo
Outstanding AR
₹6.1 L
Dashboard preview. GST liability, cash position, and runway on the same screen.
IRN + signed QR via the official IRP
Built by Plenitude Systems for Indian businesses
Indian data centers — AWS Mumbai (ap-south-1)
Row-level isolation, 2FA, encrypted at rest
Features
Built for the bills you actually have.
Not a US accounting tool with India bolted on. Every screen was designed for the way Indian SMBs actually run — GST first, UPI first, WhatsApp first.
GST-compliant invoicing
Generate tax invoices with CGST/SGST/IGST splits, send by email or WhatsApp, accept payment via UPI QR or Razorpay link. Supports multiple line items, units, discounts, and HSN/SAC codes.
E-invoice + e-way bill
Register issued B2B invoices with the GST e-invoice portal (IRN + signed QR). Generate e-way bills for goods movement over ₹50,000 with validity tracking and cancellation flow.
Vendor bills + AP outstanding
Capture vendor invoices with ITC tracking, see what you owe by vendor and ageing bucket, mark paid against bank transactions, attach receipts to bills for audit trail.
Bank statement reconciliation
Import CSV bank statements from any Indian bank, auto-categorise based on history, match transactions against invoices and bills with one click.
Cash flow forecast
Project weekly inflows and outflows over 4–26 weeks using outstanding invoices, bills, and recurring rules. See your runway at a glance.
Recurring invoices & rules
Set up monthly, quarterly, or yearly recurring invoices. Optional auto-issue or save-as-draft for review. Stop chasing the same monthly retainer every month.
Inventory tracking
Item master with variants, per-vendor pricing, automatic stock decrement on invoice, manual stock adjustments with audit log, stock valuation report.
Multi-currency for exporters
Bill clients in USD, EUR, GBP, AED, SGD, AUD, or CAD. FX rate captured at issue, INR equivalent shown in books, exports auto-treated as zero-rated supply.
Team, roles & 2FA
Owner / admin / member / viewer roles, invitation links, two-factor authentication via any TOTP app, customer-portal access without giving away the keys.
Why FinNilai
Cheaper than Tally. Simpler than Zoho.
Where FinNilai fits in the Indian SMB accounting market.
| Feature | FinNilai | Tally | Zoho Books |
|---|---|---|---|
| Cloud, work from anywhere | Add-on | ||
| GST auto-updated (no CA download) | |||
| First-class UPI QR + Razorpay collection | Basic | ||
| E-invoice IRN + e-way bill | Premium+ | ||
| CA portal (invite your CA) | |||
| Bank statement auto-reconcile | |||
| Tally XML export (hand off to your CA) | Native | Manual | |
| Data hosted in India (Mumbai) | |||
| Starts free | |||
| Setup time under 90 seconds |
Comparison reflects the standard published plans of each product as of August 2026. Specific SKU coverage may vary and features may have changed since. “Tally” and “Zoho Books” are trademarks of their respective owners. FinNilai has no affiliation with, endorsement by, or sponsorship from either company. This is a good-faith comparison based on publicly available information — if anything is out of date, please let us know.
Workflow
From signup to your first reconciled invoice in 15 minutes.
Sign up & fill in your GST profile
Workspace name, GSTIN, state, signatory, bank details. 90 seconds; we'll seed sample data so the dashboard isn't empty.
Issue your first invoice
Add a client, draft an invoice with line items, generate the PDF with your branding. Email or WhatsApp it in one click.
Get paid & reconcile
Customer pays via the UPI QR or Razorpay link. The invoice auto-marks paid; the bank transaction is recorded in your books.
Close the month
Bills recorded, transactions reconciled, GSTR-1 ready to export, Tally XML for your CA. P&L and cash position at a glance.
Pricing
Just starting? Free forever.
Ready to scale? ₹999/month.
No tier matrix. No seat arithmetic. One free plan, one paid plan. Every new signup gets 14 days of Business, free — no card.
Free forever
For solo traders & freelancers
1 user · 20 invoices/month
- GST invoice + PDF + WhatsApp share
- UPI QR + Razorpay payment link
- GSTR-1 / 3B / 4 CSV exports
- Tally XML export (hand off to your CA)
- Vendor bills + basic P&L + inventory
Most popular
Business
Everything, no caps
Unlimited team + no caps
- Everything in Free, unlimited
- E-invoice IRN + E-way bill
- CA portal — invite your CA
- Bank auto-reconcile + reminders
- Multi-currency, DC/PO, cash flow
Full details on the pricing page.
Refer & earn
₹500 for you. ₹500 for them.
Every workspace gets a shareable link inside Settings → Subscription. When a friend or fellow founder signs up and upgrades to Business, we credit ₹500 to each of you — auto- applied on the next Razorpay charge. No coupon codes, no limits on how many people you can refer.
How it works
- 1Find your 6-character code + share link inside Settings → Subscription.
- 2Send it to a friend. They see a banner on signup acknowledging your name.
- 3When they upgrade to Business, ₹500 credit lands in both accounts — auto-applied to your next charge.
Credits stack on your workspace balance — 2 successful referrals cover a month of Business (₹999), 20 cover a full year (₹9,999). Only one Razorpay Offer applies per subscription, so if you enter a promo code, credit rolls to the next renewal.
FAQ
Questions we hear a lot
Do I need a CA to use FinNilai?
No. We’re designed for founders + ops folks who aren’t accountants. You can hand the GSTR-1 export and Tally XML to your CA for filing; everything before that is self-service.
Is my data secure and where is it stored?
Yes. We use industry-standard Postgres with row-level isolation per workspace, encryption at rest, TLS in transit, and offer two-factor authentication via TOTP. All data is hosted in AWS Mumbai (ap-south-1) — your books stay in India.
Can I import data from Tally or Excel?
Today: yes for transactions (CSV import with category mapping) and bank statements. For clients, items, vendors, you can import via CSV. Direct Tally Prime sync is on the roadmap.
Do you support e-invoicing under GST?
Yes — issued B2B invoices can be registered with the GST e-invoice portal (IRP). You get an IRN + signed QR back, both printed on the PDF. Mandatory if your turnover crosses ₹5 cr.
What about e-way bills?
Generate per-invoice e-way bills for goods movement over ₹50,000. We capture transport mode, vehicle/transporter, distance, and the validity window. Cancellation within 24h supported.
What payment methods do you support for my customers?
UPI (direct QR on every invoice), Razorpay Payment Links (cards, netbanking, UPI, wallets), and offline (bank transfer / cash / cheque with manual mark-paid).
What happens after the 14-day trial?
Your workspace becomes read-only — you keep access to export everything as CSV/PDF, but you can’t issue new invoices until you subscribe. Your data is retained for 90 days post-trial so you can reactivate without losing anything.
Can I cancel anytime?
Yes. Cancel from Settings → Subscription. You keep access until the end of the current billing cycle, and we retain your data for 90 days afterwards. See our refund policy for the pro-rata terms on annual plans.
Do you have a referral program?
Yes. Every workspace gets a shareable link inside Settings → Subscription. When someone signs up with your link and upgrades to Business, you both get ₹500 credit — auto-applied to your next Razorpay charge, no coupon codes.
Issue your first invoice in fifteen minutes.
14 days free. No card required. Cancel anytime.