Buying guide · 5 tools researched · prices checked 4 Nov 2026
Best Billing & Accounting software, by situation
We researched 5 Billing & Accounting tools, including myBillBook, Refrens, and Swipe Billing. There is no single best option: find the situation closest to yours, see what it costs, and check the trade-off against the runner-up.
Our picks
-
01 Cheap GST billing with inventory on phone and desktop
myBillBook
One of the most affordable ways for an Indian small business to issue GST invoices and track stock. Most shops will be fine on Plus or Pro; e-invoicing and unlimited e-way bills need Pro Max.
- What it costs
- Pro for one business: ₹3,990/year, about ₹333/month
- Skip it if
- You need full double-entry accounting with a CA-grade ledger as the main tool
- Runner-up
- Vyapar
-
02 Invoicing plus a light CRM for freelancers and agencies
Refrens
Its free plan is a handy invoicing tool for freelancers; paid tiers stretch from GST accounting to inventory and approval workflows. Confirm the current tier prices directly, and note they exclude GST.
- What it costs
- Free plan: 2 users and up to 15 documents
- Skip it if
- You need unlimited free documents; the free plan caps you at 15
- Runner-up
- myBillBook
-
03 Free GST invoices from your phone
Swipe Billing
A fast, free way to start issuing GST invoices from your phone. Paid plans unlock e-way bills, e-invoicing and inventory depth; confirm the current plan prices on Swipe's site.
- What it costs
- Core invoicing on mobile and web: ₹0
- Skip it if
- You need deep accounting and bank reconciliation as the centre of your finance stack
- Runner-up
- myBillBook
-
04 Desktop counter billing for a single shop
Vyapar App
A practical billing choice for Indian shops that need Android or Windows access. The free mobile tier lowers the entry barrier, while paid Silver, Gold and Platinum options add device sync, more businesses and advanced workflows.
- What it costs
- A Platinum subscription shown at ₹833/month is approximately ₹9,996/year before 18% GST; the official Platinum page currently displays ₹9,999/year.
- Skip it if
- You need multi-user cloud collaboration across locations as the core requirement
- Runner-up
- myBillBook
-
05 Free GST invoicing for freelancers
Zoho Invoice
A strong free choice for freelancers and small Indian businesses that only need GST invoices, quotes and reminders, with a clean upgrade path to Zoho Books; it is not accounting software and the free plan caps volume.
- What it costs
- A freelancer sending 30 invoices a month uses 360 of the 500 free invoices in a year, so pays nothing.
- Skip it if
- You need bookkeeping, GST return filing, inventory or more than two users on one account
- Runner-up
- Zoho Books
How the options compare
| Compare |  myBillBook |
 Refrens |
 Swipe Billing |
 Vyapar App |
 Zoho Invoice |
|---|---|---|---|---|---|
| Best for | Indian retailers, distributors and traders that need GST invoicing and inventory on mobile and desktop | Freelancers, agencies and service businesses that want invoicing plus a lightweight sales pipeline | Freelancers and small Indian businesses that want quick GST invoices from mobile or web | Indian shops and small traders that bill from a desktop or phone, including offline | Freelancers and small service businesses in India that need GST invoices, quotes and payment reminders at no cost |
| Starting price | ₹3,490/year (Plus) | Free; paid tiers on official pricing page | Free; paid plans on official pricing page | Free mobile tier; paid plans from ₹283/month | Free (up to 500 invoices a year and 2 users) |
| Free plan / trial | Free trial for first-time users; 7-day money-back guarantee | Free plan: 2 users, 15 documents | Free mobile app and web version for core invoicing | Free mobile plan; trials available for paid plans | Free forever plan: 500 invoices a year, 2 users, 3 projects |
| Pricing model | Annual subscription per business; higher plans add users and businesses | Tiered plans by feature set and users; prices exclude GST | Annual subscription tiers | Free mobile tier plus paid plans; displayed rates depend on billing term, device and current offer | Free plan; contact Zoho for higher limits |
| Biggest limitation | E-invoicing, unlimited e-way bills and POS billing require Pro Max; lower plans include 1 user | The free plan allows only 15 documents, and GST compliance features start at Accounts Pro | Paid plan prices differ between Swipe's own pages and third-party listings, so confirm before buying | Vyapar prices vary by device, billing term and promotional offer, so multi-device buyers must verify the checkout total and GST | The free plan stops at 500 invoices a year and adds "Powered by Zoho Invoice" branding |
| Price checked |
Prices are taken from each vendor's own pricing page on the dates shown. Taxes and add-ons may apply; confirm before you buy.
Every Billing & Accounting tool we've profiled
- myBillBook₹3,490/year (Plus)Indian retailers, distributors and traders that need GST invoicing and inventory on mobile and…
- RefrensFree; paid tiers on official pricing pageFreelancers, agencies and service businesses that want invoicing plus a lightweight sales pipeline
- Swipe BillingFree; paid plans on official pricing pageFreelancers and small Indian businesses that want quick GST invoices from mobile or web
- Vyapar AppFree mobile tier; paid plans from ₹283/monthIndian shops and small traders that bill from a desktop or phone, including offline
- Zoho InvoiceFree (up to 500 invoices a year and 2 users)Freelancers and small service businesses in India that need GST invoices, quotes and payment…
