Made for India · GST ready · Works on mobile

Your money and your business, in one place.

Track every rupee you spend, plan the months ahead, and run your business with GST invoices, quotations and client renewals - without juggling spreadsheets.

  • Personal + Business in one login
  • Nightly backups
  • Installs like an app

Two modules. One login.

Use the personal side, the business side, or both together, sharing one set of bank accounts.

Personal finance

Know where your money goes and where it will be next month.

  • Expenses, income and budgets
  • Loans, EMIs and debt payoff
  • Investments, SIPs and net worth
  • Recurring payments and monthly projections
  • Family sharing and trip expense splitting

Business accounting

Bill clients, collect payments and keep renewals on schedule.

  • GST invoices and quotations
  • Clients, services and renewal tracking
  • Payments received into your accounts
  • E-way bills, credit and debit notes
  • Vendors, expenses, profit and cash flow

Personal finance, covered

Everything you need to stay in control of your own money.

Accounts & ledger

Bank, cash, UPI and card accounts with a running ledger and transfers between them. Balances stay hidden behind dots until you tap the eye.

Expenses & income

Categorised entries with receipts attached, GST details, multiple currencies, and the amount written out in words as you type.

Budgets & goals

Monthly budgets with overspend alerts, and savings goals with contributions and progress.

Recurring payments

Rent, EMIs and retainers: reminded a day before, then confirmed by you with the real date - nothing is posted behind your back.

Month-by-month projections

Plan the income and expenses you expect each month, mark them received or paid, and see your projected month-end balance.

Loans, investments & net worth

EMI schedules and debt payoff, an investment portfolio with SIP tracking, and a net worth view over time.

Family & trips

Keep your family's spending in view, and split trip expenses between friends with automatic settlements.

Tax, reports & insights

Tax planning, GST export, monthly reports and AI-assisted insights, with PDF and Excel export of your data.

Business, covered

From the first quotation to the last renewal payment.

GST invoicing

CGST/SGST or IGST worked out from the states, branded PDF invoices, UPI QR code and the total in words - ready to send.

Quotations

Send a quote, track accepted or rejected, and convert it to an invoice in one click.

Clients & follow-ups

A client book with GSTIN, state and city, assigned services, and follow-up reminders so no lead goes cold.

Services & renewals

Assign several services to a client at once, each with its own price, vendor cost and renewal cycle. Never miss a renewal again.

Payments & accounts

Record payments against invoices straight into your bank accounts; business expenses are paid from an account too.

E-way bills & notes

E-way bill details pre-filled from the invoice, plus credit and debit notes.

Vendors & team

Vendor records and ageing, employee records and expense categories that keep your books tidy.

Profit & cash flow

Margin per service and per client, invoice analytics, GST export and a cash flow forecast built from what is actually due.

Built to be trusted with your numbers

The boring things that matter most.

Nightly backups

Your whole database is backed up automatically every night.

Private by design

Each customer sees only their own records. Balances are masked until you reveal them.

Safe sign-in

Password or one-time code by email, and you can stay signed in on your own phone.

Install as an app

Add it to your home screen and use it like a native app on any phone.

Smart reminders

Email and in-app reminders for payments, renewals, EMIs and budgets.

Your data is yours

Export your data and download PDFs whenever you like.

Amounts in words

Type a figure and see it written out - no more costly misread digits.

Made for India

Rupees, lakh and crore, GST, UPI QR codes, Indian states and cities.

Up and running in minutes

No installation and no setup call.

1

Create your account

Sign up with your email and confirm it with the code we send you.

2

Choose a plan

Pick Personal, Business or both, and pay securely online.

3

Add your accounts

Add your bank accounts and clients, and start recording. Reminders take care of the rest.

Simple pricing

Pick the module you need, or get both and save. Prices are before 18% GST.

Personal Plus

Complete personal finance management

₹1,499 / year
≈ ₹125 a month · +18% GST
Save 16% vs monthly
  • Up to 6 bank, cash & card accounts
  • Up to 5 family members
  • Expenses, income & budgets
  • Recurring payments & month-by-month projections
  • Loans, EMI tracker & debt payoff
  • Investments & SIP tracker
  • Net worth dashboard
  • PDF & Excel export
Choose Personal Plus

Business Starter

For freelancers and small firms getting started

₹2,999 / year
≈ ₹250 a month · +18% GST
Save 16% vs monthly
  • Up to 50 clients
  • Up to 40 invoices a month
  • GST invoices (IGST/CGST/SGST) & quotations
  • Services & renewal tracking
  • Business expenses & vendors
  • Payments received into your accounts
  • Profit & cash flow reports
Choose Business Starter

Business Pro

For growing businesses with no limits

₹5,999 / year
≈ ₹500 a month · +18% GST
Save 17% vs monthly
  • Unlimited clients
  • Unlimited invoices
  • Everything in Business Starter
  • E-way bills
  • Credit & debit notes
  • Employee records & vendor ageing
  • Invoice analytics & GST export
Choose Business Pro
Best value

Combined Pro

Personal + Business, everything unlocked

₹6,999 / year
≈ ₹583 a month · +18% GST
Save 17% vs monthly ₹499 cheaper than both separately
  • Everything in Business Pro
  • Personal finance with no limits on accounts or family
  • One login, shared bank accounts
  • Unified dashboard
Choose Combined Pro

Pay online with UPI, card or net banking · A GST invoice is issued for every payment.

Questions, answered

Can't find yours? Raise a ticket after signing up and we will reply.

Who is NexLedger for?

Individuals and families who want one place for their money, and small businesses, freelancers and agencies that invoice with GST and have clients on recurring services - or both in one login.

Can I use it on my phone?

Yes. It works in any mobile browser and installs like an app from the browser menu (Add to Home Screen), and stays signed in until you log out.

Is my financial data private?

Every customer sees only their own data. Balances are hidden by default, sign-in can use an emailed one-time code, and the whole database is backed up every night.

How does GST invoicing work?

Add your company details and each client's state. The invoice then uses CGST+SGST for same-state clients and IGST otherwise, and produces a PDF with your logo and a UPI QR code.

Will it remind me about payments and renewals?

Yes - by email and inside the app: recurring payments, EMIs, bills, budget overspends, invoices and client renewals.

Do I have to enter everything by hand?

Entries are added by you so the numbers are always ones you have confirmed. Recurring and projected items are suggested and reminded, then confirmed with one tap.

Can I export my data?

Yes. You can download your data any time, and invoices and quotations as PDFs.

How do I pay, and what about GST on the subscription?

Choose a plan after signing up and pay online with UPI, card or net banking. Prices shown are before 18% GST, and a GST invoice is issued for every subscription payment.

What if I need help?

Raise a ticket from inside your account and you will get a reply there and by email.

Talk to us

Want a walkthrough, or have a question before you sign up? Send us a note and we will get back to you by email.

Ready to get your finances in order?

Create your account in a minute - your personal and business books, finally in one place.

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