Party ledger software with an outstanding tracker, GST-tagged accounts and a live profit and loss statement, one app to replace the paper khata and the Excel sheet. Used by 12,000+ Indian businesses. From ₹799/year, free trial, no credit card.
No credit card · Free migration · Setup in 30 minutes
Accountune research · 2026
Figures compiled from the FICCI–Deloitte India Retail Report 2024, the CBIC GST framework (cbic-gst.gov.in), industry SERP analyses (2025–2026), and Accountune's first-party survey of 12,000+ businesses. If you still keep the daily record by hand, the cash book format is the place to start.
Khata app vs ledger
No. A khata app records the udhar. An accounting ledger records the business.
A khata app does one job well: it remembers who owes you what, so the number is on your phone instead of in a bound register. That is genuinely better than paper. But it stops at the reminder. The entry never reaches your books, it is not attached to a GST invoice, and it will not produce an account statement your CA can file from.
So the same transaction gets recorded twice. Once in the khata app when the goods go out, and again in the accounts when someone sits down to reconstruct the month. Two records of one sale, kept by two different methods, is exactly how balances stop matching and how moving off a khata app turn into arguments you cannot win with evidence.
Accountune posts the party ledger from the bill itself. Raise the GST invoice and the customer's accounting ledger is debited in the same action, the tax splits into CGST and SGST or IGST, and the outstanding updates. The entry exists once. That is the whole difference between a digital notepad for udhar and ledger accounting software: one tells you a number, the other keeps your books.
If you only need to track udhar, a khata app is enough. If you file GST returns, you need the ledger underneath it.
Ledger accounting software keeps a running account of every transaction with each customer and supplier, updated automatically from your billing and GST. It shows the outstanding balance, the tax position and the live profit picture: replacing the paper khata and the Excel sheet, with no manual register entry. Raise a GST invoice and the party ledger is debited the same instant; record a payment and the outstanding drops. That single automatic posting is what separates party ledger software from a billing app that only prints invoices.
Understanding accounting & ledger
An accounting ledger is the running account with one party. Customer or supplier, it records every transaction between you. Ledger accounting software keeps that account updated automatically, links it to your billing and GST, and shows the outstanding balance, the tax position and the profit picture without a single manual register entry. It is the ledger layer of online accounting software, not a separate product.
The khata works at 30 parties and breaks at 300. For decades the Indian shopkeeper's ledger lived in a bound register, one page per party. Once a business crosses about 50 active accounts, manual records start carrying old balances forward wrongly, dropping entries on busy days, and failing the one test that matters: when someone asks “kitna baaki hai?”, can you answer in under 10 seconds, with proof?
Ledger software connects directly to billing. Raise a GST invoice and Accountune debits the customer's ledger the same instant; record a payment and the outstanding drops; buy from a supplier and their accounts payable balance updates. Every entry captures the tax split, CGST and SGST for intrastate and IGST for interstate, so your GSTR-1 and GSTR-3B data is built as you go rather than reconstructed at month-end. Input Tax Credit is captured per supplier automatically.
This is why a generic billing app isn't enough. Billing apps create invoices, but they don't carry a true running balance per party, don't track accounts payable, and don't produce a live profit and loss statement. Rule 56 of the CGST Rules, 2017 expects a registered person to keep accounts of inward and outward supply, stock and input tax credit, which is the same ground bookkeeping software covers day to day. The accounting layer is the part that actually protects your cash.
Entities covered on this page
4 accounting failures Accountune fixes
These are not hypothetical. They happen in small businesses across India every month — and each one quietly costs money or hours.
Manual ledgers need discipline every single day. One busy afternoon (delivery, supplier meeting, staff issue) and an entry is missed. At 200 active customers, even two or three missed entries a week creates a ledger nobody trusts: not you, not your CA, not the customer.
A ledger nobody trustsEvery transaction updates the party ledger the moment it's recorded. Bill raised → debit appears. Payment recorded → balance drops. A hardware shop with 400+ parties used to spend two hours every Saturday reconciling. Now that time is zero.
Live ledger, no missed entriesCollections are the number one cash-flow killer for Indian small businesses. Goods go out, the invoice is raised, but money comes back late, or not at all. Customers rarely refuse; they forget. With ₹8–12 lakh outstanding at any time, a 30-day delay means funding your customers with your own cash.
Funding customers with your cashThe receivables screen shows every unpaid balance, sorted by amount or days overdue. Send a professional WhatsApp reminder in one tap, auto-filled with the customer's name, amount and your business name. This is the mechanical half of chasing outstanding payments; the other half is knowing who to call first.
Money chased on time, every timeTracking 20, 50 or 100 suppliers by hand makes two expensive mistakes easy: paying a supplier twice because the first payment wasn't recorded anywhere visible, and missing a due date that sat in a register nobody checked.
Double payments, missed duesA separate ledger per supplier, updated on every purchase and payment. The payables screen shows who to pay, how much and how long the bill has been pending. Together with receivables this is the full picture of sundry debtors and creditors, on one screen instead of two registers.
Every supplier balance, one screenA customer insists they paid last month. Your register shows a balance. You have no clean record. Either you write off money genuinely owed, or you push back without evidence and damage a years-old relationship, costly in India's credit-based business culture.
Write-offs and damaged trustEvery party's ledger shows the complete trail (invoice, payment, credit note, adjustment) with exact dates. Filter to the period, show the record, settle it in 30 seconds. Download as PDF and share over WhatsApp.
Disputes settled in 30 secondsFrom first bill to filed returns
Most owners have never seen their accounts kept this accurately, because it always needed a dedicated accountant. Accountune does the accounting work automatically in the background: every transaction recorded updates the ledgers, cash book, GST accounts and P&L on its own.
Sign up with phone or email, no credit card. Add your business name and GSTIN. Import your existing party list and opening balances from Excel or CSV; free migration brings your data across.
Raise a GST invoice and the customer's ledger is debited the same instant, with CGST/SGST/IGST captured automatically and ITC tracked per supplier. No second entry, no voucher.
When a customer pays, the cash book or bank ledger updates and the outstanding balance drops in real time. Partial payments adjust the running balance on their own.
Payment overdue? Send a one-tap WhatsApp reminder with the balance details. Your live P&L is one click any day, and your CA logs in remotely to pull every ledger and report (and file returns) without bothering you.
Ledgers maintained automatically: customer ledger · supplier ledger · cash book · bank ledger · GST ledger (CGST/SGST/IGST + ITC) · journal ledger · P&L · balance sheet.
What you get
From billing to GST to reports, one connected system. Ledger accounting software runs underneath every one of these: Accountune posts each entry to the customer ledger, the supplier ledger, the cash book and the GST accounts on its own.
Invoice in under 10 seconds
Search by product name or barcode scan. GST, HSN, price auto-filled. Print or WhatsApp in one tap.
Stock accurate without extra entry
Every sale deducts from stock; every purchase adds back. Live count at any moment.
Not one rupee missed or disputed
Per-customer digital account with timestamped history and one-tap WhatsApp reminders. Every closing balance carries through to balance sheet basics.
Zero manual tax calculation
CGST, SGST and IGST correct on every invoice. GSTR-1 and GSTR-3B ready at month end.
Reorder before the shelf goes empty
Custom minimum per product; alert via app, email or SMS.
Packaged goods billed in 3 seconds
USB, Bluetooth or phone camera; auto-fills name, price, GST, HSN.
Professional bills, no printing cost
PDF invoice to the customer's WhatsApp in one tap.
Never overpay a supplier again
Every purchase logged; supplier-wise outstanding always visible.
Full business picture in 2 minutes
Sales, top products, slow movers, daily profit, pending dues: one dashboard, with the full set of business reports a click deeper.
Counter staff see billing only
Role-based logins; profit and purchase data stay owner-only. Full activity log.
Cash flow protected without awkwardness
Set a max credit per customer; alert fires before the bill is created.
Data safe even if every device is lost
Automatic daily backup with encryption; log in from any device.
The short version
Accountune vs the tools Indian small businesses usually compare it against, on the capabilities that decide whether ledger accounting software actually saves you time. Values reflect each product's standard plan.
| Capability | Accountune | Tally Prime | Zoho Books | Vyapar |
|---|---|---|---|---|
| Ledger auto-linked to billing | manual vouchers | billing only | ||
| Outstanding tracker + WhatsApp reminders | one-tap | basic | ||
| GST per party (CGST/SGST/IGST + ITC) | basic | |||
| CA remote login | built-in | paid add-on | ||
| Journal entries & general ledger | Higher plans | |||
| Runs fully on a phone | Windows only |
Accountune is the only one here that posts every invoice and payment to the party ledger automatically, runs fully on a phone, and includes CA remote access as standard — not a paid add-on.
Competitor pricing changes frequently. Check each vendor's site for current figures.
Is this right for you?
An honest read on where Accountune fits best. Party ledger software earns its place in an owner-run Indian business that wants party accounts, collections and a live profit and loss statement without a full accounting department.
Best fit
100–500+ party accounts where you live and die by outstanding collections and supplier payables. Udyam-registered firms get more from MSME billing software, which adds GST returns and supplier payment deadlines on top of the ledger.
Retire the udhaar register
Ready to retire the paper udhaar register, but who still want it to feel like a khata.
CA logs in directly
Month-end coordination drops from hours to almost zero, your CA pulls clean data on a read-only login.
No debit-credit
Anyone who needs accurate books without learning debit-credit: plain language, set up in under an hour.
Recognise your business? You're exactly who Accountune is built for.
Start freeAccountune Product Team
Product Research — India SME GST & Accounting
Based on
The most damaging accounting problems in Indian small businesses aren't dramatic — they're quiet. A ledger two weeks out of date. An outstanding balance not chased in 45 days. A supplier paid twice because nobody checked the register. None feels like a crisis until the moment it is. They all disappear when the accounting runs automatically in the background — updating every ledger, flagging every overdue balance, every single day.
Buyer's guide · 2026
Score every shortlisted tool against these seven checks before paying. Software that fails even two is likely to cause friction within the first month.
The single most important thing. If billing and ledger are separate, you maintain two systems and they drift apart.
Accountune
Accountune posts every invoice and payment to the party ledger automatically, one source of truth.
A static report isn't collections. You need a live screen sorted by amount and days overdue, with a reminder you can send without leaving it.
Accountune
Accountune sends one-tap WhatsApp reminders auto-filled with name and amount.
CGST, SGST, IGST per customer and ITC per supplier, captured automatically with correct interstate vs intrastate splits. This turns month-end into a one-click export.
Accountune
Accountune captures the tax split on every transaction; GSTR-1 and GSTR-3B data is one click.
If your CA can't log in directly with read-only rights, you keep doing exports and explanation calls.
Accountune
Accountune includes CA login on every plan, at no extra charge.
85%+ of Indian SMB owners run the business from a mobile. Desktop-only software (like Tally) means you can't check a balance at 10pm when a customer calls.
Accountune
Accountune runs full features on Android, iOS and web from one login.
Not every transaction is a sale. Adjustments, contra entries and depreciation are what separate real ledger accounting software from a basic biller, and they need a proper general ledger behind them.
Accountune
Accountune posts every one of them to the general ledger, so the trial balance stays tied to the party accounts it came from.
Compare like-for-like. Accountune is from ₹799/year all-in; a desktop licence is a one-time fee plus annual maintenance, is Windows-only, and needs a trained operator. The wider trade-offs of cloud versus desktop accounting decide this before any feature list does.
Accountune
For most businesses the daily ledger functions cost a fraction, and our accounting guides walk through the rest.
Compiled from feedback from 12,000+ Indian small-business owners who switched to digital ledgers between 2022–2026 · Accountune Research.
Verified customer reviews
4.9/5 rating · 12,000+ Indian businesses on Accountune. Customer outcomes are representative of feedback from Accountune customers. Names and identifying details have been changed.
Ledger entries managed 3× faster
“Keeping up with customer and supplier ledgers used to eat up so much of my time. Now every transaction records itself, and the balances are always current. I don't have to sit and tally things manually anymore.”
Reduced bookkeeping errors by 75%
“My accounts finally stay clean and accurate. Reconciling the ledger is so much simpler now, and I spend a fraction of the time I used to on fixing errors.”
Accounts reporting 2× faster
“Financial reports and ledger summaries are right there whenever I need them, no waiting around. It's given me the confidence to make decisions backed by actual numbers.”
Outstanding balances tracked effortlessly
“I can see exactly what customers owe us and what we owe suppliers, all in one view. Nothing slips through the cracks now, and our cash flow is in much better shape because of it.”
Hisab-kitab ab ekdum organized hai
“Pehle ledger ki entries haath se maintain karni padti thi. Ab saare accounts apne aap update ho jaate hain, aur kisi bhi customer ka balance ek second mein dekh leta hun.”
Payment aur ledger tracking bahut easy ho gaya
“Accountune mein sales, kharche aur ledger sab ek hi jagah manage ho jaate hain. Month-end ki closing ab pehle se kaafi fatafat ho jaati hai.”
Pricing
Every plan includes the party ledger, general ledger, cash book, GST entries and reports. Higher plans raise the user, invoice and e-way-bill limits.
For Getting Started
No credit card required
Perfect for Mobile only Users
+ taxes · ≈ ₹67/month
Perfect for Getting Started
+ taxes · ≈ ₹154/month
Perfect for Growing Businesses
+ taxes · ≈ ₹375/month
Yearly plans from ₹799/year. The full party ledger software suite: customer ledger, supplier ledger, general ledger, outstanding tracker and account statements: is in every plan · 7-day free trial, no card · Free migration.
Type a keyword or pick a category: udhaar, ledger, GST, CA access. Everything an owner asks before switching is one keystroke away, and reading a profit and loss statement explains what those numbers mean once they are clean.
There's no fixed limit: Accountune handles thousands of parties without performance issues, whether you have 50 or 5,000. Search, filter and ledger functions work identically at any volume. You can import your existing party list and opening balances from Excel or CSV using a simple template (name, phone, address, GSTIN, opening balance), and the support team assists during setup. Most users have their full list working within about 30 minutes.
Yes: all ledger data exports as Excel or PDF: a single party's account statement, the full outstanding list, or any report, with dates, amounts and running balances formatted for your CA. Accountune is cloud-based, so it needs an internet connection to work; nothing lives on one machine, your data is backed up continuously on secure cloud servers and you can log in from any other phone or browser.
An accounting ledger is the running record of every transaction affecting one account, kept in date order with a balance that updates after each entry. In an Indian small business the accounts that matter most are the party ledgers (one per customer and one per supplier) plus the cash book, the bank account and the general ledger that sits behind them all. The point of an accounting ledger is not the list of transactions; it is the balance at the bottom. That single number answers the only question anyone actually asks: how much is outstanding, right now, and can you prove it line by line. Accounting ledger software keeps that balance current automatically instead of asking you to carry it forward by hand.
A party ledger tracks one person or business you trade with: every bill you raised them, every payment they made, and the balance still owing. A general ledger is the master record of the business itself, organised by account type rather than by person: sales, purchases, cash, bank, tax, expenses, capital. Party ledgers answer 'who owes what'. The general ledger answers 'what is the business worth and where did the money go', and it is what the profit and loss statement and balance sheet are built from. Good ledger accounting software maintains both from the same entry: raise one GST invoice in Accountune and the customer's party ledger, the sales account and the tax account all move together, with no second posting.
Party ledger software automatically records every transaction with each customer and supplier and shows the current outstanding balance. Sell on credit and the amount appears as outstanding in that party's ledger; when they pay, the balance reduces, and the same works for supplier purchases. Without a proper party ledger you rely on memory or a paper khata, both of which lead to errors, missed collections and disputes. Accountune updates every party ledger automatically on each bill and payment, so there's no manual entry and no risk of forgetting on a busy day. This is the part of party ledger software that a billing app cannot substitute for: the balance is derived from the bills, not typed in beside them.
Billing software creates invoices. Ledger software tracks the ongoing account balance for each party across all their transactions. In Accountune the two are connected: when you create a GST bill it automatically posts to that party's ledger as a debit. You never maintain a separate ledger, it updates itself every time a bill or payment is recorded. This is the one feature to insist on when buying accounting software, because separate billing and ledger systems inevitably drift out of sync and force you to maintain the same data twice.
Yes, Accountune is built to completely replace the paper udhaar register and khata. Every function of the khata: recording who owes money, tracking payments, noting outstanding balances, is available digitally. The difference is that Accountune also sends WhatsApp reminders, syncs to your phone, backs up to the cloud, and integrates with your billing automatically. It's the same khata concept you've always used, now searchable by name or amount in seconds, impossible to lose or damage, and accessible from any device.
It replaces it and then does the part the khata never could. A khata book records who owes you what. It does not post that udhar into your books, does not attach it to a GST invoice, and does not produce an account statement your CA can file from: so the same transaction ends up written twice, once in the khata and once in the accounts. Free khata apps have the same limit: they digitise the register without becoming accounting. Accountune posts the party ledger from the bill itself, so the entry exists once and simultaneously updates the outstanding, the sales account and the GST position. If all you need is a digital notepad for udhar, a khata app is enough. If you file GST returns, you need ledger accounting software.
Yes. Your chartered accountant gets a separate read-only login and opens any customer ledger, supplier ledger or account statement themselves, along with the GST data and the profit and loss statement. You never share your own password, and access can be withdrawn whenever you want. Rule 56 of the CGST Rules, 2017 requires a registered person to keep accounts of inward and outward supply, stock and input tax credit; because those records are already maintained in one place and visible to your CA live, filing becomes a review rather than a reconstruction. Most owners find this ends the monthly cycle of exporting files and answering questions about them.
Accountune shows a real-time list of every customer with an unpaid or partial balance, sortable by amount, days overdue or name. At a glance you see who owes the most and who has been outstanding longest. From the same screen you send a WhatsApp reminder in one tap, with the customer's name and outstanding amount filled in automatically. Following up stops depending on memory and becomes a built-in routine.
Yes, you can send a WhatsApp payment reminder to any customer directly from the outstanding screen. The message is auto-filled with the customer's name, the outstanding amount and your business name, so you just tap send. Most customers respond faster to a WhatsApp message than to a call or email, and the message stays polite and professional without you drafting it each time. You can remind one customer or work down the overdue list in a few minutes.
Yes, Accountune handles partial payments accurately. If a customer pays ₹5,000 against a ₹12,000 invoice, you record the ₹5,000 and the balance automatically shows ₹7,000 outstanding. The transaction history shows both the original invoice and the partial payment clearly, so there's no manual calculation. This matters most for wholesale and credit-heavy businesses where customers pay in instalments, the running balance is always correct.
Yes, you can set a credit limit per customer. When a new invoice would push that customer beyond their limit, Accountune warns you before you confirm the bill. This helps manage credit risk, especially with new customers or slow payers. Instead of discovering at month-end that one party has crept far past what you're comfortable extending, you get the prompt at billing time, when you can still ask for part-payment first.
Every purchase you record from a supplier creates an entry in their ledger showing what you owe; every payment reduces it. The accounts-payable screen shows all supplier outstanding in one view: who to pay, how much, how long pending. This prevents the two most expensive supplier mistakes: paying twice because the first payment wasn't recorded visibly, and missing a due date that sat in a register nobody checked.
Yes: with CA remote access, your accountant views all party ledgers, including supplier accounts, from anywhere. Your CA logs in with their own separate, read-only login. They can see all ledger data, post journal entries and prepare reports without you being present or sharing your admin password. CA remote access is built in on every plan at no extra charge, which is what lets month-end coordination drop from several hours to almost none.
Every invoice in Accountune captures CGST, SGST and IGST separately for that party automatically. When you sell, the tax collected is recorded in the customer's ledger; when you buy from a GST supplier, the Input Tax Credit is captured in theirs. Interstate sales auto-split to IGST based on billing address. At month-end this data feeds directly into your GST reports with no manual cross-referencing, GSTR-1 and GSTR-3B data is generated in one click.
Yes. Accountune shows the Input Tax Credit received from each supplier separately, in that supplier's own ledger. Organising credit by party is what surfaces gaps early, such as a supplier whose invoice never arrived or an amount that does not match your record, instead of at filing time when there is nothing left to do about it. Missed ITC is real money.
For businesses that want ledger management without accounting knowledge, Accountune is one of the strongest options in India. It provides an automatic party ledger, outstanding tracker, GST-tagged accounts (CGST, SGST, IGST and ITC) and built-in CA remote access, all from ₹799/year. Unlike Tally, which needs trained operators and a Windows desktop, Accountune works for any owner without an accounting background, on a phone. The “best” choice depends on your needs, but for daily ledger and collections work without complexity, it's hard to beat on value.
Yes. Accountune covers the daily ledger functions most small businesses actually use in Tally, at a fraction of the cost. Where Tally needs installation, a Windows desktop and a trained operator, Accountune is cloud-based, mobile-first and designed for the owner to use directly. Accountune starts at ₹799/year all-in, while a desktop licence carries a one-time fee plus an annual maintenance charge. Migration help is free and usually done within 24 to 48 hours. Competitor pricing changes frequently, so check each vendor's site for current figures.
Yes: party ledger, outstanding tracker, GST accounts and journal entries are in every plan with no separate charge. The entry plan covers core ledger work; higher plans raise the user, invoice and e-way-bill limits and add audit trails, TDS and priority support on the top plan. The free trial gives full access with no credit card: add your real parties, enter some transactions and check the outstanding screen before deciding.
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