Small business owners across India waste time and money juggling:
Manual bills in notebooks
Unclear or unprofessional invoices
Confusing GST calculations
Missed follow-ups on payments
You don’t need to hire a full-time accountant or pay for expensive software. This guide shows MSMEs how to bill and manage accounts with free or affordable tools, in Hindi or English, and even from a basic smartphone.
What to Look For in a Good Tool ?
Top Free or Low-Cost Tools (2025 List)
1. Vyapar App (Highly popular in Hindi-speaking regions)
Features: GST/non-GST billing, inventory, profit-loss reports, barcode scanning
Languages: Hindi, English, and regional languages
Offline Access: Yes
Free Plan: Available (basic features)
Paid Plan: Starts at ₹599/year (for mobile plan)
Best For: Retailers, wholesalers, service providers
Why MSMEs Like It: Local language support, simple GST, works offline
2. myBillBook (Ideal for Traders & Manufacturers)
Features: Billing, payments, stock management, delivery challans
WhatsApp Invoices: Yes
Free Trial: 14 days
Paid Plans: ₹399–899/year (Silver, Gold, Diamond tiers)
Best For: Distributors, traders, home businesses
Bonus: Daily/weekly payment reminders, simple dashboard
3. Zoho Invoice (Professional + Free for lifetime)
Features: Professional invoices, multi-currency, branding, customer portal
GST Ready: Yes
Cloud-Based: Yes
Free Plan: Completely free for all users
Best For: Freelancers, consultants, service businesses
Downside: Requires internet access and basic English skills
4. Khatabook (Simple & Indianised)
Features: Digital bills, customer ledgers, payment reminders
WhatsApp Sharing: Yes
Free Plan: Yes
Paid Features: Branding, SMS reminders, reports
Best For: Small shops, credit tracking, mobile-first users
Use if you don’t need inventory or GST tracking
5. TallyPrime (Offline Desktop – Paid)
Features: Full accounting, inventory, GST compliance, reports
Cost: ₹18,000 one-time or ₹600/month subscription
Best For: Growing businesses with desktops & accountant support
Language: English (mostly)
Only recommended if you're scaling and have regular accounting help
Billing Tools based on Business Type
Simple Steps to Set Up Billing
Choose a tool based on your mobile or desktop usage
Add your business name, logo, GSTIN (if applicable)
Set up products/services + prices
Start creating invoices – test sending via WhatsApp to yourself
Train 1 trusted person in your team to use it confidently
Common Mistakes to Avoid
Forgetting to add GST correctly (if registered)
Not saving customer contact details
Deleting invoices by mistake
Not doing regular backups or exports
Sumvaad Tip: Combine Tools for Best Results
Use Vyapar or myBillBook for billing + stock tracking
Use Zoho Invoice for client-facing service invoices
Use Khatabook for credit tracking if you allow credit sales