| Category | AI-native cloud accounting with inventory, warehouse, POS and manufacturing | Cloud double-entry accounting for SMEs, CAs, CS firms and NGOs, across India, UAE, Saudi Arabia, UK, US and Australia |
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| Double-entry general ledger | Yes — chart of accounts, journals, trial balance, IFRS and GAAP compliant reports | Yes — help docs cover balance sheet, trial balance, GSTR-3B, GSTR-1 and reverse-charge reports, with ledger-based accounting |
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| Free plan | Free forever, no credit card, uncapped by turnover in India — unlimited invoices, bills, quotes and POs, full core reports, mobile app, 2 users, 2,500 AI credits/month | Yes — free tier with 1,000 invoices and bills, one company, unlimited customers and vendors, financial reports, GST compliance and multi-currency. Plus a 15-day trial |
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| Paid pricing | Pro ₹499/mo or ₹4,999/yr; Business ₹1,999/mo or ₹19,999/yr | Birch (CA/CS/NGO) ₹800/org/yr; Oak ₹4,000/yr; Vine ₹10,000/yr (10 companies); Sequoia ₹15,000/yr (100 companies). Note the vendor renders its price table as images, so third-party figures vary widely |
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| Users | 2 on Free; unlimited with roles and permissions on Pro and Business | Unlimited users on every paid plan at no extra cost — vendor-confirmed and its sharpest differentiator |
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| Transaction limits | No transaction cap — the metered resource is AI credits | Capped by plan: 10,000 on Birch, 40,000 on Oak and Vine, 100,000 on Sequoia, with ₹1.00 per extra transaction beyond the limit |
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| GST return filing | GSTR-1, 3B and 9 filed through Fynamics, a named GSTN-authorized GSP, with GSTR-2B and IMS reconciliation and ITC matching | Files directly — the GSTR-1 help article documents entering GST portal credentials, OTP verification, typing SUBMIT and proceeding. Requires consolidated mode. No GSP is named |
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| E-invoicing & e-way bills | IRN and QR through the IRP; e-way bills through the NIC portal — included from Pro at ₹499/mo | E-invoicing has a dedicated help article with authentication setup; e-way bill generation appears under tax administration. IRN and QR mechanics and the IRP used are not documented |
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| AI capability | AI categorization at 95%+ accuracy, OCR line extraction, Munimji assistant with 60+ tools, WhatsApp bookkeeping with voice notes, AI payables, AI calling for AR, CFO agent, AI analysis on every report | Thin. The homepage mentions no AI features at all; the only reference in the help docs is AI OCR under bank reconciliation |
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| Inventory & operations | Item master, BOM, FIFO/LIFO/weighted-average valuation, GRN, multi-warehouse, POS, restaurant and manufacturing — included from Pro | Inventory is included on all paid plans — barcode scanning, stock variants, multiple warehouses and branches, stock transfer notes. POS and manufacturing not verified |
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| Payroll | India payroll (PF, ESI, PT, TDS) runs through HelloTime, a sibling product | None. Capterra explicitly lists "no payroll management functionality". TDS payment recording exists, but that is bookkeeping of TDS, not TDS return filing |
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| Tally | Coexists — import keeps every voucher number and the connector keeps pushing to Tally 6.2, from Pro | Imports from Tally — a "Sync with Tally" help article covers importing account data from legacy systems. Direction beyond import is not documented |
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| Offline access | Cloud with full iOS and Android apps; PDF statement upload with AI reconciliation where feeds are unavailable | None — a G2 reviewer in August 2025 says "the only problem is the no offline access. It always requires online access", which matters where Tally's desktop model is the norm |
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| Mobile app | Full iOS and Android apps on every plan, including Free | iOS, Android and desktop apps — but only 1,000+ Play Store installs and 4.4 stars from 36 reviews, with reports of the app hanging at country selection during onboarding |
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| Public API | API access from Pro at ₹499/mo, BI connector, plus a public read-only MCP server | Yes — documented at apidoc.giddh.com, with an API Integration help category covering company creation and signup automation |
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| Getting your data out | CSV and Excel import/export throughout, plus a migration path with dry-run preview and one-click rollback | GSTR-1 exports to Excel and JSON. A full ledger export is not documented, and a 2021 reviewer specifically asked to be able to export detailed financials |
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| Independent ratings | Newer product with a smaller review base — judge us on the free plan rather than review volume | G2 4.8/5 (7); SoftwareSuggest 4.9/5 (8); Capterra 4.2/5 (5); Play Store 4.4/5 (36). Roughly 60 reviews in total |
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