"Mujhe accounting nahi aati — debit-credit samajh nahi aata"
Owner billing kar leta hai, par ledger, P&L, journal entry sab CA ke bharose.
Books live in the CA's headAuto party ledger, real-time profit and loss, GST accounts always ready, live cash flow you can act on. Used by 12,000+ Indian businesses. From ₹799/year, under ₹70 a month.
No credit card · Free migration · Setup in minutes

Riya Sharma 1.8 crore turnover ka wholesale grocery business chalaati hain — pehle Surat, ab Mumbai. Char staff, GST registered, 80 active retailer customers. Business chal raha tha. Numbers? Numbers kabhi clear nahi the.
Ek subah bank mein ₹4.2 lakh dikh raha tha. Riya ne naya stock order kar diya. Bill aaya — paisa nahi tha. Kyunki ₹1.8 lakh already supplier ko jaana tha, aur ₹60,000 ek retailer se transit mein tha. Actual free cash sirf ₹1.76 lakh thi. Bank balance ne jhooth nahi bola — bas poori kahani nahi batayi.
Yeh ek baar nahi hua. Har mahine kuch na kuch. CA har filing se pehle phone karta — “purchase total bhejo, sales summary bhejo, ITC list bhejo.” Riya ek-ek ghanta register aur WhatsApp khangaalti. FY 2023-24 mein ₹38,000 ka valid ITC sirf isliye chhoot gaya kyunki teen supplier invoices time pe capture nahi hue. Wo paisa wapas nahi aaya.
Mostly business owners is confusion ko “normal” maan lete hain. Karobaar ka hissa. Par yeh business ka issue nahi hai — yeh bikhre hue records ka issue hai. Bank balance cash flow nahi hota. Aur diary kabhi nahi kehti, “Riya ji, do invoice abhi tak match nahi hue.”
Story based on common patterns observed across Accountune customer onboardings. Customer outcomes are representative of feedback from Accountune customers. Names and identifying details have been changed.
Accountune research · 2026
Accounting software India-wide has existed for decades, yet the money still leaks, because the books get written after the fact instead of as the business happens. Sources: Ministry of MSME 2024 Udyam data; NielsenIQ India retail; CRISIL SME report; Accountune internal onboarding data (12,000+ businesses). More accounting guides cover each of these in plain language.
Online accounting software is a cloud-based system that records every sale, purchase, payment, and expense automatically, then keeps the party ledger, profit and loss statement, balance sheet, and GST accounts updated in real time. Indian small businesses use it to manage their own books without an accountant for daily work: generating GSTR-1 and GSTR-3B data, watching cash flow as it moves, and tracking who owes them, all from a phone or browser.
Understanding online accounting
Cloud accounting software is a platform that turns everyday business activity into proper books without manual journal entries. When you raise a GST invoice, Accountune posts it to the party ledger as a debit, applies the correct HSN code and tax slab (CGST, SGST, IGST), and updates your GSTR-1 data. When you record a purchase against a valid GSTIN, it captures the Input Tax Credit (ITC) on that bill. Month-end, your GSTR-3B summary is already prepared. The day-to-day recording underneath all of this is what online bookkeeping software handles, and unlike desktop tools that live on one computer, cloud accounting software runs on secure cloud servers, syncs across phone, tablet and browser, and backs up automatically.
India has over 63 million MSMEs, and the vast majority still reconstruct their year from scattered records every March. The cost isn't only the CA fee. It is missed ITC, cash-flow blind spots, and decisions made on a bank balance that doesn't reflect committed payments. Real accounting software keeps the profit and loss statement, balance sheet, cash-flow position, and accounts receivable and accounts payable current at all times, and a proper party ledger software is the part that carries a running balance for every customer and supplier rather than a list of unpaid invoices.
The shift that matters for a small business owner is not learning double entry. It is never having to. Accountune does the accounting; the owner reads the numbers. Your CA logs in with read-only access, reviews, and files. Section 44AA of the Income Tax Act, 1961 makes maintaining books of account a legal requirement once income or turnover crosses the prescribed thresholds, and under the CGST framework input tax credit can only be claimed on invoices your suppliers have actually filed. Both are reasons scattered purchase records leak money.
Entities covered on this page
6 accounting failures Accountune fixes
These are not hypothetical. They happen in GST-registered businesses across India every month — and each one quietly costs money or hours.
Owner billing kar leta hai, par ledger, P&L, journal entry sab CA ke bharose.
Books live in the CA's headHar screen business bhaasha mein. Bill banao, ledger khud update. Payment record karo, outstanding khud kam. Journal entries background mein automatic.
No commerce degree requiredFiling se pehle purchase total, sales summary, ITC list, sab manually compile. ₹2,500/mahina sirf “data compilation.”
₹2,500/month just to compile dataCA ko apna login do. Wo ledger, GST reports, profit and loss seedha dekhe, bina aapko call kiye. Outstanding chase karne aur recovering outstanding payments ka kaam bhi wahin se dikhta hai.
Monthly back-and-forth endsBank ₹4.2 lakh dikhata hai, par ₹1.8 lakh supplier ko, ₹60k transit mein. Galat balance pe order = cash crisis.
Wrong balance → cash crisisInflow, outflow, committed payments, transit, sab real time. App kholte hi actual free cash dikhta hai, aur din ka cash book format apne aap ban jaata hai.
Order only what you can pay for40+ suppliers, kuch paper, kuch WhatsApp. Teen invoice late: ₹38,000 ITC gaya.
₹38,000 of ITC lostHar purchase entry pe Accountune ITC turant capture karta hai, supplier ke hisaab se. Running ITC balance hamesha ready, filing ke time reconstruct karne ki zaroorat nahi.
Every eligible rupee claimedMonth-end pe 60 units gaayab: paper pe the, godown mein nahi.
Stock that exists only on paperInvoice banao, stock khud kam. Purchase record karo, stock khud badhe.
Zero manual stock updatesHar March paper invoices, screenshots, Excel se saal reconstruct.
3 weeks of year-end reconstructionJab har entry mahine-dar-mahine clean record hoti hai, year-end sirf summary hai. Trial balance, profit and loss, balance sheet: one click, aur sundry debtors and creditors bhi saaf dikhte hain.
3 weeks → 3 daysRiya in Mumbai cut her ITC leakage to zero and her CA's monthly compilation calls to none within one quarter.
Setup to clean books — under 15 minutes
No accounting knowledge, no consultant. Most owners record their first clean transaction within 15 minutes of signing up.
Phone or email se signup. No card. Business name, GSTIN, done.
Customers, suppliers, products. Excel se bulk import bhi chalta hai.
Invoice banao, expense add karo, payment record karo. Ledger + P&L khud update.
Accountune ka live cash-flow view kholo. Paisa aaya, paisa gaya, aur kaunse payments committed hain, sab ek screen pe.
CA apne read-only login se GST data dekhe, review kare, file kare.
Most owners record their first clean transaction within 15 minutes of signing up.
What you get
From billing to GST to reports, one connected system. The accounting capabilities Accountune runs underneath every one of these are the auto party ledger, real-time profit and loss, live cash flow and CA access.
Invoice in under 10 seconds
Search by product name or barcode scan. GST, HSN, price auto-filled. Print or WhatsApp in one tap. Rush hour moves without friction.
Stock accurate without extra entry
Every sale deducts from stock automatically. Every purchase entry adds back. Live, accurate count at any moment, no shelf-counting at 8 PM.
Not one rupee missed or disputed
Per-customer digital account with full purchase and payment history, timestamped. One-tap WhatsApp reminders, and every balance flows through to the balance sheet for a small business at year end.
Zero manual tax calculation
CGST, SGST and IGST calculated correctly on every invoice. HSN codes saved per product. GSTR-1 and GSTR-3B reports ready at month end, and the same entries drive what a profit and loss statement shows.
Reorder before the shelf goes empty
Custom minimum quantity per product. Alert via app, email or SMS when stock drops below, before the customer asks and you don't have it.
Packaged goods billed in 3 seconds
Works with USB scanners, Bluetooth devices or the phone's camera. Auto-fills product name, price, GST rate and HSN instantly.
Professional bills, no printing cost
PDF invoice sent to the customer's WhatsApp in one tap. Works for cash and credit customers. Print option available when paper is preferred.
Never overpay a supplier again
Every purchase logged when goods arrive. Supplier-wise outstanding balance always visible. When a supplier calls about payment, you have the exact number.
Full business picture in 2 minutes
Sales total, top products, slow movers, daily profit, pending dues: one dashboard, checked from your phone. The full set of business reports goes deeper when you need it.
Counter staff see billing only
Separate login per staff member with role-based permissions. Profit reports and purchase data stay owner-only. Full activity log with staff names.
Cash flow protected without awkwardness
Set a maximum credit amount per customer. Alert fires before the bill is created (not after) if a purchase would exceed the limit.
Data safe even if every device is lost
Automatic daily backup with encryption. Device lost, crashed or stolen, log in from any other device and everything is exactly where it was. Section 36 of the CGST Act requires records to be kept for 72 months, which is hard to promise a paper register.
The two-minute version
When owners switch to online accounting, the first thing that changes isn't GST, it's clarity. Your cash position becomes real, your ITC is captured automatically, and your CA works without calling you. Small business accounting stops being a March problem and becomes a Tuesday habit. Owners comparing a Zoho Books alternative usually land here for the same reason: they stop firefighting and start managing.
No accounting knowledge?
You never touch debit-credit. Bill → ledger updates. Payment → outstanding drops.
Tired of the monthly CA chase?
Give your CA a read-only login; they review and file without disturbing you.
Bank balance lying to you?
A live cash-flow view shows actual free cash, not just the bank number.
Losing ITC?
Accountune captures the credit on every valid purchase and keeps a running ITC balance per supplier.
Year-end dread?
Clean monthly books turn 3 weeks of reconstruction into a 3-day review.
Is this right for you?
An honest read on where Accountune fits best. Small business accounting is a different problem from enterprise finance, and accounting software India-wide tends to be built for one or the other. This is built for owners who want to run their own books with a part-time CA.
no accountant on payroll
You handle the daily books yourself, in plain business language, the software does the accounting underneath.
CA logs in directly
Give your CA read-only access; they review and file without the monthly data chase.
GSTR-1/3B + ITC, no tax maths
GST data prepares itself and ITC captures on every valid purchase, no manual tax calculation.
role-based access
Billing staff, manager and CA each get their own login and permissions, not one shared password.
Recognise your business? You're exactly who Accountune is built for.
Start freeMost business owners think bad books are normal — just part of running a shop. They're not. A bank balance isn't cash flow, and a diary never tells you which two invoices haven't matched. Online accounting just makes the numbers tell the whole story.
Buyer's guide · 2026
To choose online accounting software in India, check seven things: whether it needs accounting knowledge, whether it is truly cloud accounting software or a desktop product with sync bolted on, whether GST runs automatically, whether your CA can log in, whether billing and inventory are unified, the real all-in cost, and whether you can trial and migrate risk-free. Most accounting software India offers will pass three or four of these. The right tool scores well on all seven.
The best owner-run software works in plain business language (bill, payment, expense) not debit-credit and voucher types.
Accountune
Accountune posts journal entries automatically in the background.
Real cloud means any device, any time, automatic backup, no install. The trade-offs of cloud versus desktop accounting decide this one before any feature list does.
Accountune
Accountune runs on secure cloud servers and works fully from a browser and mobile.
GSTR-1 and GSTR-3B data should prepare themselves, ITC should capture on every valid purchase, and the tax split should be correct at the point of billing rather than corrected at filing.
Accountune
Rule 56 of the CGST Rules, 2017 requires a registered person to keep accounts of production, inward and outward supply, stock and input tax credit. Accountune builds all four from the bills you already raise.
A read-only CA login is the single biggest time-saver.
Accountune
Confirm it's included, not a paid add-on, in Accountune it is.
If stock and billing live in separate tools, they drift and month-end won't reconcile.
Accountune
Unified billing-plus-inventory means every invoice updates stock automatically.
Look past the headline price. Desktop products usually add an annual maintenance fee on top of the licence, a cloud add-on if you want remote access, a charge per extra user, and GST on all of it. Add those up over three years before you compare.
Accountune
Accountune is from ₹799/year, all-in, with the cloud and CA login included rather than priced separately. If you are not ready to pay anything yet, start with free accounting software and upgrade when the books outgrow it.
Try it free, no credit card, with your real data, and get free help moving from Tally, Vyapar, or Excel. Read what moving from Tally to the cloud actually involves before you commit to a date.
Accountune
Accountune offers free 24 to 48 hour migration with your data intact.
All-in cost
| Software | How it's charged | Notes |
|---|---|---|
| Accountune | From ₹799/year, all-in | 100% cloud, no accounting knowledge needed, free CA login |
| Tally Prime | Licence + annual maintenance | Desktop, operator needed, view-only mobile, cloud is an add-on |
| Zoho Books | Subscription per organisation | Tiered by feature set, billed per organisation, plus GST |
| Vyapar | Licence per device | Desktop and mobile licensed separately, basic ledgers |
Competitor pricing changes frequently. Check each vendor's site for current figures.
Verified customer reviews
12,000+ Indian businesses · 4.9/5 rating. Customer outcomes are representative of feedback from Accountune customers. Names and identifying details have been changed.
₹25,000 cash flow improved
“With so many customers and invoices, keeping track of who owed us what was always a headache. Now I can see every outstanding payment in one place. It's helped us recover dues faster and freed up around ₹25,000 in cash flow that was just stuck out there.”
70% less time on bookkeeping
“What used to eat up hours every week now takes me a few minutes. Reports, invoices, expense tracking, it's all automated. Honestly, accounting doesn't feel like a chore anymore.”
Accurate reports anytime
“I don't have to wait for month-end to know how the business is doing. The dashboards and reports are right there, updated in real time. It's made decision-making so much easier, I always know exactly where we stand.”
Accounts in one place
“Pehle sales, kharche aur payments sab alag-alag register mein likhte the, pura bikhra hua rehta tha. Ab sab kuch ek hi jagah manage ho jaata hai. Accounting simple ho gayi hai aur galtiyan bhi naa ke barabar reh gayi hain.”
Billing time cut 60%
“Billing and stock management is now 2x faster. I highly recommend Accountune to business owners!”
Stock management 3× faster
“1200 items ka stock manually track karna mushkil tha. Accountune ne sab easy kar diya. Reorder alerts bhi milte hain.”
Pricing
Every plan includes the full accounting suite: auto party ledger, real-time profit and loss, GST accounts and live cash flow. Higher plans raise the user, invoice and e-way-bill limits.
For Getting Started
No credit card required
Perfect for Getting Started
+ taxes · ≈ ₹154/month
Perfect for Growing Businesses
+ taxes · ≈ ₹333/month
Yearly plans from ₹1,849/year. Every plan includes the full cloud accounting software suite · 7-day free trial, no card · Free migration.
Type a keyword or pick a category. Everything an owner asks before switching is one keystroke away, and bookkeeping basics without a CA covers the ground rules if you are starting from scratch.
Yes: Accountune is built for business owners, not accountants. You never deal with debits, credits, or journal entries. You create a bill and the ledger updates; you record a payment and the outstanding reduces. The accounting logic runs in the background. Every screen uses plain business language, so if your staff can use WhatsApp, they can use Accountune.
Online accounting software is a cloud-based system that records all your transactions and prepares financial reports automatically. If you track accounts in a register, Excel, or your head, errors build up, GST data gets messy, and you lose visibility into your cash. Software keeps records accurate, eliminates manual work, and gives real-time visibility, from any phone or browser.
Yes, Accountune has full Android and iOS apps plus web access on one login. You can create bills, check ledgers, record expenses, view the profit and loss statement, and track outstanding receivables from your phone. The app syncs in real time with the web version, so any device shows the same current data as long as you have internet.
Billing software creates the invoice. Accounting software records what that invoice means for your business. A biller can print a GST bill and email it; it does not necessarily carry a running balance for that customer, track what you owe suppliers, or produce a profit and loss statement and balance sheet you can hand to a bank. Online accounting software does the billing and then posts every bill, payment and expense into the books behind it, so the ledger, the GST position and the profit figure are all current the moment the bill is raised. For a small business accounting need, the practical test is simple: if the tool cannot tell you your net profit for last month and who owes you the most today, it is a biller, not accounting software.
No. That is the main thing that separates owner-first cloud accounting software from a traditional package built for a trained accountant. Accountune never asks you to choose a debit or a credit, pick a voucher type, or post to a chart of accounts by hand. You record what actually happened (a sale, a purchase, a payment, an expense) and Accountune applies the double entry underneath. The screens use business words, not accounting words. Owners who have never taken a commerce class run their full books on it; their CA reviews the output rather than building it from scratch.
Yes, every invoice is GST-tagged and your GSTR-1 and GSTR-3B data is prepared automatically each month. You don't calculate tax manually or keep separate GST records. The software tracks CGST, SGST, IGST, and input tax credit from purchases. At month-end your CA gets clean, file-ready GST data, turning a multi-day scramble into a short review.
Accountune supports all standard GST rates: 0%, 5%, 18% and 40%. You assign the correct rate to each product or service once during setup; after that every bill applies the right rate automatically. Nil-rated, exempt, and non-GST items are handled separately, and composition scheme billing is supported for registered composition dealers.
Every purchase invoice with a valid GSTIN automatically captures its ITC, and Accountune maintains a running ITC balance per supplier. Because the credit is recorded at the moment you enter the bill, nothing has to be reconstructed from paper or WhatsApp before filing. Your CA uses this balance during GSTR-3B filing to offset your liability, with no manual calculation and no eligible credit left on the table.
Yes, Accountune handles composition scheme billing and accounting separately. If your business is registered under composition, you configure it during setup; the software then applies composition rates correctly and generates the appropriate reports for composition filers, keeping your billing compliant without manual workarounds.
Each customer and supplier has their own ledger showing every transaction and current balance. When you create an invoice it appears as a debit; when you record a payment the balance reduces. You can view any party's full history, filter by date, and share the ledger as a PDF with your CA: all from one screen, for 10 parties or 10,000.
Yes, the outstanding receivables screen lists every customer with an unpaid or partly paid balance. Sort by amount, days overdue, or name, and send a WhatsApp payment reminder with one tap from the same screen. Many Accountune users improve collections significantly just by reviewing this screen each morning and nudging the oldest balances first.
Accountune generates Profit & Loss, Balance Sheet, Cash Flow, Party Ledger, Outstanding Reports, GST Summary, Expense Reports, and Day Book. All are real-time, filterable by any date range, and downloadable as PDF or Excel. You can share any report with your CA via a secure link: no printing, no emailing physical documents.
Profit is total sales revenue minus cost of goods sold minus total expenses for the selected period. Every invoice adds to revenue, every purchase adds to cost, every recorded expense reduces net profit. The P&L shows both gross and net profit clearly, calculated from your actual transactions, no estimates or assumptions.
Tally is desktop software built for accountants; Accountune is cloud accounting software built for owners. A Tally licence is a one-time fee plus an annual maintenance charge, needs a trained operator, and is view-only on mobile. Accountune runs from any browser and on Android and iOS, costs from ₹799/year, needs no accounting knowledge, and is set up in minutes. Competitor pricing changes frequently, so check each vendor's site for current figures.
For owners who want to manage their own accounts with a part-time CA, Accountune is one of the strongest options. It pairs full accounting (party ledger, profit and loss, balance sheet, GST, live cash flow) with a simple interface that needs no accounting background. Over 12,000 Indian businesses use it. For large enterprises with complex ERP needs, tools like Tally or SAP may fit better.
Accountune's paid plans start at ₹799/year, under ₹70 a month, and there is a free plan at ₹0. Plans scale by business size: higher plans raise the user, invoice and e-way-bill limits. Every plan includes the full accounting suite, so no core accounting feature is locked behind an extra charge. See the pricing page for the current plan-by-plan detail.
Yes. Accountune gives your chartered accountant a separate read-only login to your books, so they open the party ledgers, the GST data and the profit and loss statement themselves instead of asking you to export and email files every month. You never share your own password, and you can withdraw the access at any time. For most owners this is the single change that ends the monthly back-and-forth: the CA works from the same live numbers you are looking at, rather than a snapshot that was already out of date when it was sent.
Accountune stores your books on secure cloud servers with encryption and automatic daily backups, so a lost, stolen or broken device does not cost you your records, you log in from another device and everything is where you left it. Access is per-user, so counter staff can be limited to billing while purchase data and profit reports stay owner-only, and the activity log shows who recorded what. This matters for compliance as well as peace of mind: Section 36 of the CGST Act requires records to be retained for 72 months, which is a long time to trust to a single computer or a paper register.
Yes, Accountune offers a full-featured free trial with no credit card required. You get access to every feature, can set up your real business data, explore all reports, and test the mobile app. Upgrade only when you're confident it works for you.
Migration is free and handled by the Accountune team, typically within 24–48 hours with your data intact. You can run both systems in parallel during the switch, and a free onboarding session helps set up your account correctly. Your transaction history, party ledgers, and reports carry over so you start with complete books.
Practical reads on GST, billing and running a business in India — written for shop owners, not accountants.
Average basket size in retail explained for Indian shops: units vs rupees vs bill count, why MRP caps it, and why an udhaar bill inflates the number.
Tally on Cloud pricing in India, and the two costs quoted prices leave out. Licence, TSS and hosting added up for 1, 3 and 10 users, against a cloud alternative.
8 journal entry examples for Indian shops with GST: cash sale, udhaar, purchase with ITC, returns, expiry write-off. Full debit and credit for each one.
Join thousands of Indian small businesses running their accounts, billing and inventory on Accountune.