Questions, answered

Finocket is a mobile-first business platform that puts your books, CRM, outreach and partner commissions in one app — where the lead, the deal, the invoice and the payment are the same record. Individuals and salaried users get a personal-finance app instead (income, investments, net worth, 80C and tax-regime planning). You switch modules on and off to match how you work.

Individuals and salaried professionals, freelancers and consultants, SMEs and small businesses, agencies that run partner or affiliate programs, and the Chartered Accountants who file for them. It adapts to who you are at sign-up and any time after.

India — GST (CGST/SGST/IGST), TDS, e-invoicing (IRN), GSTR-1/3B/2B and Hand-to-CA. You can still invoice overseas clients in their own currency (16 supported). Support for more countries is on the way.

Yes. Every optional area — GST, CRM, forms, outreach, partners, marketplaces, the API — is a switch in Settings. Your menus adapt instantly, your choice is saved to your account and shared with your team. New modules show an honest Available / Beta / Coming-soon status.

Those stop at the deal and never see the money without an integration project — and they charge team-sized, per-seat prices. Finocket's CRM lives inside your books: the deal card shows invoice and payment reality, the stage auto-advances when you get paid, and reporting is on collected revenue, not booked hope. It also enforces follow-up discipline — a next action on every deal, rotting indicators on stale stages, speed-to-lead alerts with one-tap first-touch intros, duplicate merge, multiple pipelines, custom fields and public booking links.

Yes. Send an EST-numbered estimate with a hosted accept page — your client accepts by typing their name, recorded with a timestamp, or declines with a reason — then convert it to an invoice in one tap. Any invoice can carry a payment schedule: a deposit percentage up front or custom milestones, and payment links, reminders and the client portal chase the next open installment automatically.

Reminder emails run on offsets you control with a tone that firms up over time and cancel themselves when the invoice is paid; automatic late fees (a monthly percentage that never compounds, or a one-time flat fee after grace) appear as an honest line item; every reminder carries the client-portal link with pay actions; and UPI Autopay on recurring retainers is in early access. Independent tools and studies report that online payments and shorter terms speed up collection — see the sources linked on our Why one tool page.

Yes. Single-tier programs with first-referral-wins attribution by link or per-partner coupon code (cookie-proof — entering the code on a client's invoice attributes the referral), a referee discount auto-applied to the referred client's first invoice, milestone bonuses with optional stepped-up rates, an append-only commission ledger that accrues on collected revenue with holds and clawbacks, a self-serve partner portal with a per-referral status timeline and an owner-authored share kit, a review queue that holds self-referral-flagged accruals out of payable until you decide, and monthly per-partner statements as Excel/CSV with tax details and uploaded documents on file plus TDS/GST worked out for your accountant. Finocket never moves money — your CA executes the payout.

Every message — 1:1, campaign, sequence step or AI-drafted reply, over email, WhatsApp or SMS — passes through one chokepoint that checks consent, the suppression list and jurisdiction rules per recipient at the moment of sending; a blocked send is logged with the reason AND keeps the exact copy that would have gone out, so it's auditable rather than swallowed, and campaigns show you sent vs blocked counts. Opt-out identifiers are normalised at the boundary, so an unsubscribe recorded in one phone-number format still blocks a send addressed in another. Sequences stop automatically when someone unsubscribes, and the database itself prevents a retried step from sending twice. One-click unsubscribe, an append-only consent ledger, data-subject export/delete/do-not-sell, and India rule packs are built in.

Yes. Create a dynamic, trackable QR code that encodes a short redirect: print it once and repoint it to a new destination any time without reprinting — the printed code never deactivates. Every scan is counted and broken down by device and by day, and when a scan leads to a form submission the lead is attributed back to that code and its campaign, right inside your CRM. If you just need a plain code to download, the free QR generator works with no sign-up; the trackable, repointable codes live in the app.

Yes. Connect your own provider keys — Email (Resend and ZeptoMail today, with SES and SendGrid coming), WhatsApp (Meta Cloud API or 360dialog) and SMS (MSG91, Fast2SMS, Twilio or Plivo) — and campaigns go out on your own accounts and billing. Keys are stored encrypted per company or per user and never shown again, India DLT registration and WhatsApp template approval are checked before anything sends, and the same chokepoint still decides what's allowed to leave — consent and the suppression list are re-checked per recipient at the moment of sending. Set no key and Finocket's included sending is used, exactly as before — bring-your-own only changes the transport.

Three ways: a read-only CA invite that lands them on a portfolio dashboard across every client and cannot Add/Edit/Delete; one-tap CA-format PDF exports for Statement of Account, Day Book, Outstanding, GSTR-1/3B and TDS summary; and the Hand-to-CA ZIP that rolls a whole date range into one file.

Yes — a practice cockpit. One grid ranks every client you're a member of by what needs attention this morning, with a per-client health score and real GST filing chips, and one tap switches you into that client's own workspace. A cross-client calendar merges each client's GST, TDS and ITR dates into one agenda with weekend and festival file-early hints and an .ics export. Bulk actions let you review once and act across many clients — reminders, or a reconciliation-prep pack per client — with each client's consent re-checked before dispatch and one signed action written into THAT client's own activity log, so your bulk action is never invisible to the business owner. Everything is derived when you open it; nothing is a stored score. Reconciliation prep is an export, not a filing — Finocket never files to the GSTN.

Yes. Tap Scan a Bill, photograph the receipt, and Finocket reads the vendor, date, amount, GST split and GSTIN into a ready-to-save expense. The photo attaches privately to the expense.

Finocket is a Progressive Web App you install on your phone. Add a payment with no signal; it queues locally and syncs when you're back. Install it to your home screen on Android or iPhone.

Yes to both. There's a versioned, scoped REST API covering clients, invoices, payments, expenses, items, stock, orders, financial-statement reports, companies and the full CRM, plus signed outbound webhooks. And an MCP endpoint lets an AI agent — Claude, ChatGPT or your own tools — actually work your books: ask 'what's my GST this month?' or 'who owes me the most?' and it answers from your live data, inside the company you point it at. It's all multi-company aware (an X-Company-Id header picks the company) and guarded by row-level security.

Yes. Add your own Anthropic (Claude), OpenAI or Google AI key — at the company level so everyone shares it, or as a personal key just for you — and Finocket's AI features use it instead of the included AI. Keys are stored encrypted and never shown again, and a Usage & activity screen shows exactly what your team's AI costs, broken down by person and feature. Set no key and the included AI is used: it's free but metered — 50 assistant messages a day, 100 document scans and 60 voice notes a month across the workspace. Your own key removes those caps and unlocks the larger model.

Four things you can check. First, you see the money before it moves: every proposed action shows how much moves, out of which bucket, how many people it reaches and whether it's undoable — and the same classification writes the audit row, so the confirm card and the log can't disagree. Second, you set the ceiling: an autonomy dial with a rupee limit and a limit on how many people one action may reach (guided starts at ₹1,00,000 and 200 recipients), routed on impact rather than on the model's confidence — and no setting removes the human confirm. Third, everything the AI does lands in an append-only log the database chains with a server-computed SHA-256 hash, so an altered row breaks the chain and a recompute finds it. Fourth, a journal it posted can be reversed after the fact from that log — a linked compensating entry, not a deletion, the way an accountant accepts. Payments, expenses and invoices are undone on their own screens; a message already sent is honestly marked not reversible.

It's built so it can't state one. Every finished sentence the assistant writes about your figures is checked against the numbers it was actually handed, and one that states a figure it can't cite is DROPPED, not hedged — including mid-answer in chat. The same guard runs on the report summary, the insight digest, the outreach draft, the WhatsApp reply and the GST-notice draft, because it's the same code. Two honest limits: it governs what the assistant says to you, so the free text inside an action it proposes is still yours to read before you confirm; and the anomaly detection, the working-capital report and the next-best offers deliberately use no AI at all — they're arithmetic, so there's nothing there to hallucinate.

Yes — a guided setup runs as a conversation, in any of the five languages the screens are translated into, and the classic six-step form stays as the fallback and the destination of every degrade path. Nothing about your workspace changes until you tap Apply: mid-conversation the only thing written is your own session, so abandoning it leaves everything byte-identical. What you SAID and what it INFERRED are kept apart — an inference is shown with its evidence and starts unticked, so it isn't applied unless you tick it, and a legal election like your GST scheme is refused outright from an inference. Applying takes an undo snapshot. Tell it your line of business and it suggests a matching kit; kits only ever turn modules ON, because the apply step has no way to express turning one off.

Record it in a notice register exactly as it arrived — every field entered by you, never inferred, because a notice fact the app made up would end up quoted back at a tax officer. Then build a reply whose every figure resolves from a frozen pack of your own rows; the reply is structurally incapable of holding a number that isn't cited. It cannot claim to be complete while a rupee is still unexplained — the database enforces that — and once you approve it, the evidence, the document and their hash are frozen, so different copy can't be swapped in behind the approval. Finocket does not file it and does not send it: you or your CA submit it. It also won't guess your reply deadline — the statutory windows aren't verified, so it shows none rather than a wrong one.

It can show you the working, not tell you what to do. Both regimes are computed side by side on the figures you entered, showing which is cheaper on those figures — there is deliberately no recommendation anywhere in the result, because electing a regime is your decision with your CA, and an assessment year whose rates a human hasn't verified against the statute is refused rather than estimated. There's also an ITR working sheet organised by head of income where every figure points at the row it came from, with unanswerable conditions left visibly blank and exports watermarked NOT A RETURN. It will not name your ITR form and no code path in it can — the eligibility tests depend on facts Finocket doesn't hold, and a wrong form makes a return defective. Your rent, insurance and home-loan answers sit in a table scoped to your login alone, with no path for a teammate to read them. Finocket does not file your return.

No — that's the point. Finocket is the phone-native daily driver; your CA keeps working the way they do. Export any date range as a single Tally-Prime XML — your ledgers, parties and vouchers — and hand it over instead of a backup file over AnyDesk, or invite your accountant as a read-only member.

Yes. Point the migration wizard at your Tally export and it brings across your ledgers, parties, items and opening balances. Your file is parsed IN YOUR BROWSER — it is never uploaded, never stored and never sent to a model; only a fingerprint of it and the plan it produced are saved. Past vouchers are deliberately not replayed: re-posting them would re-recognise revenue your opening capital already embeds and contradict returns you've already filed, so the wizard counts them and tells you it's leaving them. Nothing is ever plugged — if the trial balance doesn't foot, it names the exact difference and refuses rather than inventing a suspense entry. A name that already exists is skipped, never merged; the same file can't be imported twice; and anything an undo can't reverse (a ledger that already has postings, a client that already has invoices) is named on screen BEFORE you commit.

Yes. Turn on stock tracking for any product and Finocket keeps a live stock ledger with weighted-average cost — sales draw it down automatically, low-stock items flag before you run out, and per-product and total stock value stay current. Track batches with expiry dates and near-expiry alerts, store stock across multiple godowns with transfers, raise sales and purchase orders, and define a bill of materials with production runs. For items that need it, opt in to FIFO cost layers or per-unit serial tracking (weighted-average stays the default); add landed costs like freight and duty onto a purchase bill; compare vendor quotes on an RFQ before you raise a PO; and route a bill of materials through named work centers with labour costing. A routed BoM can then run as a work order — tick off each step as it's finished, watch work-in-progress value build on the balance sheet, and release it to zero when the order completes — with a minutes-per-day capacity per work centre and the coming week's load charted, over-capacity days flagged. Multi-level MRP netting (demand + stock in, net make-or-buy planned orders out) runs over the REST API and MCP rather than an in-app planner; there's no master production schedule and no shop-floor terminal. Closing Stock and COGS fold into your balance sheet and P&L. It's inventory as finance — no e-commerce platform or storefront lock-in.

Yes. Record a customs bill of entry and its eligible IGST lands on the GSTR-3B 4(A)(1) import line; distribute common input-service credit across your GSTINs with an ISD register and a balanced reclass journal (a single-company aggregate move — the per-branch detail lives in the register, not posted into each recipient GSTIN's own books); run the department's own DRC-01B/DRC-01C checks on your own figures before a notice arrives (a self-check on your numbers, not a portal filing); and roll a consolidated GSTR-1/3B across every GSTIN you keep. Finocket generates portal-ready files — you or your CA upload them; it never files to GSTN for you.

Yes. Defer a prepaid invoice or bill across the months it belongs to with balanced per-period recognition; revalue open foreign-currency receivables and payables at period end with a reversible unrealized gain/loss journal that keeps your trial balance at zero; auto-post recurring journal vouchers; split one transaction across cost centres by percentage; and consolidate a read-only trial balance, P&L and balance sheet across your companies — different base currencies translate at one closing rate from your own FX rates, and declared inter-company balances are eliminated in the report with mismatches flagged (report-level only: no average-rate P&L, no translation reserve, nothing posted).

Yes, from one login and one subscription. Add each business as a company with its own name, GSTIN and numbering series, and a one-tap switcher keeps their invoices, expenses, stock, reports and books fully apart. Your CA gets a read-only portfolio view across the whole group, and you can roll a read-only consolidated trial balance, P&L and balance sheet across the group — companies with different base currencies translate at one closing rate from your own FX rates, and inter-company balances you declare are eliminated in the report (nothing is posted to any company's books). Over the API each company is isolated by an X-Company-Id header.

Tools like PartnerStack, Rewardful or Tolt bolt onto your billing and move money to partners for a per-payout or 5–6% fee. Finocket accrues commission on revenue you actually collected, inside the same ledger as your books, and produces a monthly CA-ready statement with tax details, GST and TDS worked out — then your accountant executes the payout. The number that partners see always agrees with your books, and you never pay a money-movement middleman. Finocket never moves money itself.

No. Finocket is modular — you turn on only the areas you need and there's no per-seat CRM tax, no forced bundle and no yearly AMC to keep your data working. The books are free for solo users in India, and the CRM, outreach and partner scopes are free during early access; founder pricing is announced before billing ever switches on, and early users hear first. See our pricing page for plans.

The books are free for solo users in India. The CRM, outreach and partner scopes are free to use during early access — founder pricing will be announced before billing switches on, and early users hear first. There's no per-seat pricing and no annual maintenance charge. See our pricing page for plans.