Finance OS, Payroll OS, Recruitment OS and CA OS are independent. Subscribe to one or all — no bundling required.
Every product has a free tier. No credit card required.
Monthly
Annual
Finance OS
Expenses, GST invoicing, Tally & ecomm reconciliation for Indian SMEs
Free
Track expenses and create GST invoices at no cost.
Free
No credit card required
1 app user
1 app user
Expense tracking & vendor management
GST invoice creation
Tally XML export
WhatsApp expense submission
GSTR-2B reconciliation
Ecomm reconciliation
Micro
Small team finance — expenses, invoicing and Tally.
₹
399
/mo
Billed monthly
2 app users
2 app users
Expense management & AP / AR
GST invoicing (Tax, Proforma, CN)
Approval workflow (2 levels)
Tally XML export (all formats)
WhatsApp expense submission
GSTR-2B reconciliation
Starter
Full Finance OS — WhatsApp, GST recon, ecomm.
₹
999
/mo
Billed monthly
5 app users
5 app users
WhatsApp expense submission & approvals
GSTR-2B reconciliation & GSTR-3B pre-fill
Ecomm recon (Amazon / Flipkart / Myntra)
Shopify & marketplace imports
Portal-ready JSON for GSTN filing
API access
Growth
Everything in Starter for larger finance teams.
₹
3,999
/mo
Billed monthly
25 app users
25 app users
Everything in Starter
Approval chains up to 5 levels
Unlimited approval policy rules
Priority support
Finance OS Enterprise
50+ users? Custom pricing, dedicated support and SLA guarantee.
What's included
WhatsApp-first
Employees submit bills via WhatsApp — no app install, no login. Unlimited contacts on all plans.
Tally-ready
One-click Tally XML for expenses, sales, purchase and bank. AI parses bank PDFs automatically.
GST Compliance
GSTR-2B reconciliation, GSTR-3B pre-fill, and portal-ready JSON download for direct GSTN filing.
Ecomm Recon
Unified GSTR-1 from Amazon, Flipkart and Myntra settlement files in under 2 minutes.
Are Finance OS, Payroll OS, Recruitment OS and CA OS separate products?
Yes. Each is an independent product with its own subscription. You can use Finance OS alone, Payroll OS alone, or any combination. There is no bundling — subscribe only to what you need.
What's the difference between app users and WhatsApp contacts?
App users log into the CredInfinite dashboard (admins, managers, accountants). WhatsApp contacts are employees who submit expenses via WhatsApp — they never need to log in or download anything. WhatsApp contacts are unlimited on all Finance OS plans.
Do employees need to download an app?
No. Field staff, drivers and sales teams just message the company WhatsApp number to submit bills. Only admin, manager and CA staff need app access.
Can I use CA OS and Finance OS together?
Yes. CA OS is designed for Chartered Accountants managing client orgs. Finance OS is for SMEs running their own books. If you are a CA who also needs to manage your own firm's finances, subscribe to both independently.
How does annual billing work?
Annual billing charges the full year upfront and gives you 2 months free — equivalent to paying for 10 months at the monthly rate. Annual pricing applies independently per product.
Can my CA client upgrade to their own Finance OS plan?
Yes. Any client org managed under CA OS can be upgraded to a Finance OS plan. The client gets their own login with full AP/AR access while retaining all compliance data built up under CA management.
Is Tally export available on free plans?
Yes. Basic Tally XML export is included on all free tiers. GSTR-2B reconciliation, GSTR-3B pre-fill and ecomm reconciliation require a paid plan.
Is pricing in INR?
Yes. All prices are in Indian Rupees (₹) and inclusive of GST.
Every product has a free tier. No credit card, no time limit. Upgrade when you're ready.
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