Auto party ledgers, an outstanding tracker, GST-tagged accounts and a live P&L — 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.
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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.
Accounting and ledger 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.
Understanding accounting & ledger
A ledger is the running account with one party. Customer or supplier, it records every transaction between you. Accounting and ledger 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.
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 the customer's ledger is debited the same instant; record a payment and the outstanding drops; buy from a supplier and their payables account updates. Every entry captures the tax split — CGST and SGST for intrastate, IGST for interstate — so your GSTR-1, GSTR-2B and GSTR-3B data is built as you go, not 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 payables, and don't produce a live P&L. 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.
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. No double payments, no missed dues.
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. The accounting runs underneath every one of these: each entry posts to the party ledgers, cash book and 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. One-tap WhatsApp reminders.
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.
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 256-bit 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 ledger and collections work. Values reflect each product's standard plan (verified May 2026).
| 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 & bank reconciliation | Growth plan | |||
| 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.
Is this right for you?
An honest read on where Accountune fits best — for the owner-run Indian business that wants party ledgers, collections and a live P&L without a full accounting department.
Best fit
100–500+ party accounts where you live and die by outstanding collections and supplier payables.
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, depreciation and bank-statement matching separate real accounting software from a basic biller.
Accountune
Accountune supports all of them — reconciliation and journals from the Growth plan.
Compare like-for-like: Accountune ₹799–₹4,490/year vs Tally Silver ₹26,550 one-time + ₹4,500/year TSS, Windows-only, trained operator needed.
Accountune
For most businesses, the daily ledger functions cost a fraction.
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 shared with permission; quotes reproduced verbatim from verified Accountune customers.
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 day book, cash book, GST entries and reports. Growth adds e-invoicing, GSTR-2B reconciliation, bank reconciliation and CA remote access; Pro adds multi-location and unlimited users.
For Getting Started
+ taxes
Perfect for Mobile only Users
+ taxes · ≈ ₹67/month
Perfect for Getting Started
+ taxes · ≈ ₹154/month
Perfect for Growing Businesses
+ taxes · ≈ ₹375/month
Three yearly plans — Lite ₹799, Growth ₹1,849, Pro ₹4,490. Party ledger, outstanding tracker, GST accounts and journal entries are in every plan · Free trial, no card · 7-day money-back · Free migration.
Type a keyword or pick a category — udhaar, ledger, GST, CA access. Everything an owner asks before switching is one keystroke away.
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 ledger, the full outstanding list, or any report, with dates, amounts and running balances formatted for your CA. Accountune syncs data in real time, so it needs an internet connection for new entries; the Android app stores recently loaded data for offline viewing, with new entries syncing once you're back online.
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.
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.
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. This is genuinely useful during GST reconciliation, when you match your ITC claims against the invoices suppliers actually filed (visible in GSTR-2B). Organising it by party makes reconciliation faster and surfaces gaps early — a supplier who hasn't uploaded an invoice, or a mismatch in amounts — rather than at filing time. 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; Tally Silver is ₹26,550 one-time plus ₹4,500/year TSS. Migration help is free and usually done within 24–48 hours.
Yes — party ledger, outstanding tracker, GST accounts and journal entries are in every plan with no separate charge. Lite (₹799/year) covers core ledger work; Growth (₹1,849/year) adds bank reconciliation, journal management and more users; Pro (₹4,490/year) adds multiple GSTINs and advanced reports. The free trial gives full access with no credit card — add your real parties, enter some transactions and check the outstanding screen before deciding.
Practical reads on GST, billing and running a business in India — written for shop owners, not accountants.
Mobile accessories HSN codes 2026: charger 8504, earphones 8518, cable 8544, cover 3926, glass 7007 — almost all 18% GST. Why billing under 8517 is a mistake, explained.
Jewellery HSN code 7113: gold, silver & diamond are 3% GST, making charges 5%. Old gold exchange, imitation 18% & the two-line invoice rule for jewellers, explained.
Cement HSN code 2523 is 18% GST in 2026 (down from 28%). Full construction materials list — bricks, sand, steel, RMC, tiles — with HSN codes and rates for dealers.
Each industry comes with its own preset items, taxes and templates — so day-one feels like day-thirty.
Trust on every device sold
Counter-speed billing
Move volume, control credit
Stay compliant, cut wastage
Bill rods, sheets and packets right
Everyday neighbourhood billing
Size, colour, season — never out of stock
Every pair, every size, tracked
From raw inputs to finished value
Join thousands of Indian small businesses running their accounts, billing and inventory on Accountune.
