Some things Finocket does reach outside your books and talk to a government system — checking a GSTIN, filing a return, raising an e-way bill, registering an e-invoice, verifying a PAN. Those calls cost us money, so they are metered in credits.
Your own books never are. Invoices, expenses, reports, the ledger — everything Finocket does with the data you already have is included in your plan, and credits are only ever spent when Finocket has to pay someone else on your behalf.
What each action costs
Every metered action has a published price. There are no surprise charges and no rounding in our favour.
One balance covers everything. GST filings, e-invoices, e-way bills, KYC checks and TDS all draw from the same wallet — there is nothing to buy per module, and no way to be stuck holding credits that the thing in front of you cannot spend. As Finocket adds paid services, they join this wallet rather than arriving as another thing to buy.
- Free — connecting or checking your provider credentials.
- 2 credits — an e-way bill (generate, update the vehicle, cancel or extend), and an e-invoice (registering an IRN or cancelling one).
- 5 credits — a GSTIN or PAN check, a return status, a GSTR-2B fetch, an IMS action, a KYC check (PAN, PAN–Aadhaar, IFSC, penny drop, MCA), a TDS e-file or 206AB check, and the OTP round trip that signs you in to the portal.
- 15 credits — reading your electronic ledgers, or filing GSTR-3B.
- 20 credits — generating a TDS FVU file.
- 40 credits — filing GSTR-1.
- 50 credits — filing the GSTR-9 annual return.
What your plan includes
Every plan comes with a monthly allowance, granted at the start of your billing month:
- Solo — 25 credits
- Starter — 50 credits
- Growth — 300 credits
- Business — 800 credits
- Suite — 2,000 credits
Filing to the portal starts on Business, and its 800 credits cover one business filing every month with room to spare — around 110 credits a month for a full GSTR-1 and 3B cycle, plus e-way bills and lookups on top. You only pay beyond it if you file for several registrations or run a practice. The smaller allowances cover lookups and checks, which is what those plans do.
Unused credits roll over — up to a point
What you do not spend carries into the following month, up to three times your monthly allowance. That cap exists for a specific reason: the annual return (GSTR-9) costs 50 credits and arrives once a year, and roll-over is what stops it pushing you over an allowance that was otherwise comfortable all year.
Anything above three months' worth lapses rather than accruing forever. You can see what lapsed, and when, in your credit history.
An answer you did not want is still an answer
This is the part worth reading before it happens rather than afterwards.
You are charged when the portal served your request — and an answer counts even when it is not the one you were hoping for. Looking up a GSTIN and being told the registration is cancelled costs the same as being told it is active. The work was done; the news was bad.
If the request was not served — it was rejected before the portal did anything, or we could not reach the portal at all — it costs nothing. The meter charges on what the provider actually delivered, so a call that failed to get through never reaches your balance.
What costs nothing
- A GSTIN answered from a copy you already have — Finocket does not re-ask the portal for something it has already been told.
- The offline GSTIN checksum check, which catches a mistyped number locally.
- Connecting your provider, and checking that the connection still works.
- Everything that never leaves Finocket: invoices, expenses, reports, books.
Approaching your allowance, and going past it
Finocket warns you at 80% of your monthly allowance — with the number you have used and the cost of the pack that would cover you both on the screen, because a limit you cannot see coming is the one that makes people leave. The pack it suggests is sized to what you are actually using, not simply the next one up the list.
Going past your allowance does not switch anything off. Further credits are billed at ₹1 each, so a heavy month costs a little more rather than stopping your filing halfway through a deadline.
If your balance genuinely cannot cover an action, Finocket refuses it before running it rather than failing part-way. You are entitled to spend your last credit — an action costing exactly what you have left goes through. And the free capabilities stay available at a zero balance: you can always check that your provider connection is working, however empty your wallet is.
Your credit history is a ledger, not a number
Your balance is the sum of its movements — grants, top-ups, what each action spent, and anything that lapsed. It is never a stored figure that could drift out of step with what happened. A correction appears as a new entry rather than an edit, so the history you read is the history that occurred.
Related: Modules & plans, Filing through a provider.