GST is never income
Only the taxable value is a sale or a cost. The tax sits in GST payable or input credit until you set it off or pay it, exactly as your returns need it.
Accounting, GST and planning, done properly
Every rupee, every voucher, one honest set of books.
WNE Finance runs the money side of your business and your home: bank, cash and cards; sales, purchases and GST; bills to collect and to pay; loans, assets and budgets. Real double-entry books, built the way trusted accounting software keeps them, in plain language.
- GSTR-1 & GSTR-3B ready from your books
- Trial Balance, P&L and Balance Sheet any day
- Invoices and payment reminders on WhatsApp
- Live figures on your phone, and an API for your tools
Double-entryledger under every screen
GSTCGST, SGST and IGST on every bill
Final accountsTrial Balance, P&L, Balance Sheet
2-step sign-inand a full audit trail
Live demo
Try WNE Finance right now
Demo Traders is back: a GST-registered sample business with six months of real books. Sign in with a demo login and open the Day Book, sales and purchases with GST, stock, outstanding bills, TDS, loans, investments, the Trial Balance, Profit & Loss and Balance Sheet, and every planning module. The demo is rebuilt fresh every 15 days.
Free calculators
Plan a loan or an investment in seconds
Full EMI and growth schedules with charts, exported as HTML, PDF, Excel or CSV. Free, no sign-in, and also inside WNE Finance under Planning.
Why people switch
Spreadsheets and basic apps get money wrong. We don't.
Real life is more than money in and money out: GST, loans, card bills, transfers, assets, cancelled entries. WNE Finance treats each one the way an accountant would, so the numbers always add up.
Buying a laptop is not an expense
Assets are capitalised and depreciated over their life, so one big purchase never wrecks a month's profit.
Loans and card bills aren't spending
Borrowing, lending and paying a card bill are tracked as what they are. Only interest counts, and nothing is counted twice.
Every customer has an account
Sales, receipts and advances land on the customer's own account, bill by bill, so "who owes what" is always one click away.
Mistakes are reversed, not rewritten
A wrong entry is cancelled with a reversal and both stay in the history. Your books stay honest and auditable.
Personal and business stay separate
Household money and each business live in their own workspace, with their own accounts, members and reports.
Everything in one platform
Features
Grouped exactly as you'll find them in the app.
Accounts
Account master
Accounts under the standard groups (bank, cash, debtors, creditors, expenses…) with opening balances, your own groups, cost centres, items with HSN and GST rates, and customers and suppliers with GSTIN and credit days.
New
Vouchers
Payments and receipts in single entry (the bank once, then what is paid or received), contra and journals on a Dr / Cr grid, numbered in series per financial year. Search any account and see its current balance as you pick it. Settle bills bill by bill, split over cost centres, and let a checker post what a maker entered.
Sales, purchases & GST
Sales and purchase vouchers with items, freight and discounts; CGST + SGST or IGST from the place of supply; returns and debit / credit notes. Stock moves with every bill.
New
GST returns
GSTR-1 (B2B, B2C, exports, credit notes, HSN summary) and GSTR-3B with the input credit set off in the order the law sets; portal JSON, Excel and PDF; filing marks with the ARN.
Outstanding & TDS
Ageing by customer and supplier with reminders before and after due dates, statements to email each party, and automatic payment reminders to customers by email, WhatsApp and SMS. TDS deducted under the Income-tax Act, 2025 references, and the TDS register.
Bank reconciliation
Mark the date each bank line cleared and see the balance as per bank against the books.
New
Day Book & ledgers
Every voucher of a day, every account's running balance, drafts waiting to be posted, and the history of each voucher: who entered, altered, posted, sent or cancelled it, and when.
Final accounts & year end
Trial Balance, Trading and Profit & Loss, and Balance Sheet in the standard form with closing stock at average cost; carry a year forward and lock it.
New
Reports
Income & expense against the last period, month by month, a cash flow statement, sales and purchase registers with GST, sales by party and item, and a ledger summary, each downloaded or emailed as Excel, PDF or CSV.
New
Alter, cancel or delete, always traceable
Alter a posted voucher in place keeping its number, cancel it with a reason, or delete it, with each change in the voucher's history and the audit trail. Only the people you allow can alter or delete.
Planning
Budgets & goals
50/30/20 or your own rules, with every new expense account tagged Needs, Wants or Essentials as you create it, budgets per account or group, and savings goals with the monthly amount you need.
New
Loans, investments & assets
Loans taken or given with their EMI schedule, holdings bought and sold with their market value, and a fixed asset register with SLM or WDV depreciation, all posting vouchers. Entered in the voucher itself: a window sets the interest, period and schedule, or ticks the instalments and maturities being paid or received.
Vehicles
Fuel, service, insurance, PUC, permits and challans with mileage and cost per km.
New
Subscriptions & insurance
Prepaid and postpaid plans: recharge packs of any number of days, weekly to yearly plans, and free or paid trials. Postpaid bills are booked to the provider and paid against the bill, so you always see what is still to pay. Premiums and renewals come with reminders before they fall due.
Health, tasks & habits
A transparent financial check-up, finance to-dos with reminders, and money habits with streaks.
Company & alerts
Documents
GST certificates, licences, agreements and contracts stored privately, with versions and expiry reminders.
New
API & webhooks
Connect your website, app or tools: read the books, create customers and enter receipts or GST invoices over a secure API, and get signed webhooks when vouchers are posted.
New
Vouchers & invoices
Print, download, email or WhatsApp any voucher as a PDF with your logo and signature, or send each invoice automatically when it is posted; sales print as GST tax invoices with HSN, CGST / SGST or IGST and your bank details.
Members & roles
Company Admin, Manager, Editor, Auditor and Viewer, designations and per-person permissions; makers enter, checkers post.
Reminders
Loan instalments, bills to collect and to pay, premiums, renewals, documents, tasks and habits for your team, in the app or by email; payment reminders to your customers on the days you choose.
New
Live on your phone
Today's sales, money in and out, cash and bank and what customers owe, refreshing itself every 30 seconds; plus the dashboard with "Coming up" instalments, bills and renewals.
New
WhatsApp & SMS
Invoices, statements, reports and documents on WhatsApp, payment reminders by WhatsApp and SMS, and one list of every message and whether it was delivered.
Built for Indian businesses
From the first sale to the Balance Sheet, in one set of books.
Bill a customer, receive the money against the bill, pay your suppliers, reconcile the bank and close the year, all from the same books.
- GST that adds up. Items with HSN/SAC and GST rates; CGST + SGST or IGST from the place of supply; output and input tax in their own accounts.
- GSTR-1 and GSTR-3B for any period. B2B, B2C large and others, exports, credit notes and the HSN summary; outward tax, input credit and the cash to pay. Download the portal's offline JSON, Excel or PDF.
- Stock that moves with every bill. Purchases add, sales take out, returns put back; the closing stock is valued at average cost in the final accounts.
- Who owes you, who you owe. Customer and supplier accounts bill by bill, receipts and payments against each bill, advances on account, ageing and reminders.
- Bank reconciled. Mark the date each line cleared; the balance as per bank is worked out against the books.
- Costs by branch. Split an income or expense over cost centres when you enter it.
One set of numbers.
The dashboard, the budgets and the final accounts read the same books, so there's no second version of the truth.
Checked every night.
Backups are taken automatically every night, and every change is in the audit trail.
What's new
WNE Finance 1.52
New features are listed here as they ship. Now on v1.59.0 · 12 Nov 2026
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Prepaid & postpaid subscriptions
Choose prepaid or postpaid for each plan. Postpaid bills (mobile, broadband, electricity) are booked to the provider after each month of use and paid against the bill, with bills to pay and overdue ones in view. Recharge packs of any number of days, weekly to yearly plans, free or paid trials, and a fresh, clearer Subscriptions page.
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Interest or redeem, separately
On an FD or any investment, Receive interest and Redeem / close are now two clear options, with their own buttons on the Investments page and in the voucher. Interest shows only the interest dates; Redeem fills in what you hold and closes it.
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Subscriptions by validity dates
Keep past, current and future subscriptions with Valid from and Valid to. Add old and new payments in any order, each with its validity dates or as an amount only, and link the payments you already entered for that expense.
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Every loan on the Loans page
Loans you lent to or borrowed from friends and family with plain entries now show on the Loans page too, with what is still owed and a Closed badge once repaid. Balances on the wrong side are flagged, and one switch hides or shows closed loans.
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Redeemed early? It shows
Broke an FD before maturity? It now shows Redeemed straight away, with the interest dates left marked Not due, so nothing shows as overdue. And when part of a deposit was taken out earlier, ticking its maturity row redeems exactly what is left.
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Choose where interest goes
Receiving interest on an FD, EPF or any investment? Pick its interest account right in the voucher pop-up, such as Investment Interest for your FDs and EPF Interest for EPF. Each investment remembers its choice for next time; loans too.
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Vehicle documents with payment
Add a PUC, insurance or fitness certificate together with what you paid for it: pick the expense account and how you paid right on the document form, and the payment voucher is posted with it.
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Fixed assets straight from your vouchers
Pay for a laptop, a monitor or furniture into its fixed-asset account and it shows in the asset register at once, with each purchase listed. Set up its depreciation in a click, and view, edit or delete any asset from the list.
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Prepaid packs of any validity
Mobile and data packs that change every time, 28 days, then 30, 45, 1 or 7, are recorded in a tap: type the days or the last valid day, or pick a pack you used before and its last price fills in. The next due date follows each recharge.
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Edit your Planning history
Forgot to update something, or entered it wrong? Subscription payments, insurance premiums, goal entries and habit check-ins can now be edited from their history, any row, not just the latest. A changed amount or date gets a corrected voucher automatically.
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Recharge validity & editable vehicle history
Every recharge of a pack sold by days keeps its own validity (28 days this time, 56 or 84 the next), and the next due date follows it. Vehicle costs, km readings, documents and challans can now be edited, so a forgotten or wrong entry is put right later; a cost whose amount or date changes gets a corrected voucher.
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Subscriptions by validity days
Mobile, data and OTT packs sold by days now renew the way they are sold: choose a validity of 28, 56, 84, 90, 180 or 365 days, or any number, and the next renewal, reminders and monthly cost follow the days instead of the calendar month.
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Edit a loan or investment schedule
Change any instalment, interest date or maturity by hand: due date, principal and interest, or add and remove rows, in the Loans and Investments registers or straight in the voucher before a new one is saved. Paid rows stay as they are and the principal always adds up.
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Fix: editing an investment voucher
Opening the voucher that started an investment, deposit or loan for editing no longer shows an error: its terms open as saved, and changing the amount, rate or period works out the schedule again.
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A new loan and investment system
Loans, investments and deposits are now entered right in the voucher. Pick a loan or investment account and a window opens: set up a new one with its interest, period, EMI or maturity and see the whole schedule, or tick the instalments, interest or maturity being paid or received. Principal and interest go on their own lines, and the Loans and Investments pages become clear registers with summaries, schedules and what is due.
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Each deposit entered once
Every account you keep under the Investments group now shows on the Investments page by itself. A deposit already entered from the bank is recorded with its plan, account number, rate and maturity in one click, without paying it a second time, so a fixed deposit is never counted twice.
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Investment management, step by step
Every deposit or purchase is now checked in a confirmation with its interest schedule and maturity value before it posts, and keeps its full terms: cumulative or monthly to yearly interest, nominee and auto-renewal. A summary shows what is invested, its value, this year's income and the deposits maturing soon or already matured, with the standard procedure for managing investments on the page.
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Many deposits in one investment
Keep an auto-sweep or other fixed deposit as one investment and record each deposit with its own deposit number, interest rate, period and maturity date: four ₹15,000 deposits show as ₹60,000, with every deposit listed on its own. Book interest on a deposit, or redeem just that one.
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Loan schedule figures you can change
In the schedule shown before a loan is saved, change any instalment, principal, interest or due date by hand; the balance follows, and the last instalment can take up any difference so the principal always adds up.
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Check the schedule, pay the instalments you choose
Saving a loan now opens its full schedule first: EMI, interest, balance and the totals, with the amount, rate, months and first due date still changeable before you confirm. When you pay, every instalment still due is listed by its number, with overdue ones marked; tick the ones you are paying, even several at once, or prepay.
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Loan management, with a summary
The Loans page opens with a summary: what you owe and what is owed to you, what falls due this month, what is overdue, this year's interest and principal, and the next instalments. Edit a loan's rate, tenure or next due date and the rest of the schedule is worked out again; delete a loan with its vouchers; and view, cancel or delete any of its vouchers, with a prepayment undone putting the schedule right.
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Pick the investment account
When you add an investment, choose an account you already keep under Investments, such as a PPF or gold account, from a list with its current balance, or type a new name. One picked this way keeps its balance, so nothing is counted twice.
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Pick the loan account
When you add a loan, choose a loan account you already have from a list with its current balance, or type a new name. A running loan picked this way keeps the account's balance, so nothing is counted twice.
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Manage investment vouchers in place
Every investment now has View, Entries and Delete, and each of its buys, sales and income has View, History, Cancel and Delete, without leaving the Investments page. An investment with no vouchers left can be deleted along with its account.
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Alter and delete posted vouchers
Every voucher in the Day Book now has View, History, Alter, Cancel and Delete. Alter a posted voucher, sale or purchase in place and it keeps its number, with stock and bills following and the old entry kept in its history; delete removes a voucher and its entries for good. Altering and deleting are for the company admin and anyone you give the right to.
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Voucher history and current balances
Open History on any voucher, or the clock in the Day Book, to see who entered, altered, posted, printed, emailed, sent on WhatsApp or cancelled it and when, with exactly what each alteration changed. And when you search an account in a voucher, the ledger or bank reconciliation, every match shows its current balance, Dr or Cr.
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Help, brought up to date
The in-app guide to every feature now covers payment reminders, WhatsApp and SMS, the Live dashboard and the installed app's shortcuts, and describes the app exactly as it works today.
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API access and webhooks
Connect WNE Finance to your website, app or tools: read accounts, vouchers, outstanding bills and reports, create customers and enter receipts or GST invoices over a secure API with workspace tokens, and have your systems told the moment a voucher is posted or cancelled through signed webhooks.
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Live dashboard on your phone
Open Live in the app to see today's sales, money in and out, cash and bank, what customers owe and a sales chart, for today, this week, this month or this year. It refreshes itself every 30 seconds and shows a posted voucher at once; the installed app opens it from a shortcut and its icon shows vouchers waiting to be posted.
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WhatsApp invoices, statements, reports and documents
Send any invoice, statement of outstanding bills, report or stored document as a PDF on WhatsApp, straight to the customer's mobile number, or have every sales invoice go out on WhatsApp and email the moment it is posted. One page lists every WhatsApp and SMS sent and whether it was delivered.
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Payment reminders on WhatsApp and SMS
Collect faster: payment reminders now go by WhatsApp, with the customer's statement attached, and by SMS, as well as by email, to the mobile number in the customer's account. Each bill is reminded once per stage, paid bills drop out, and a daily limit keeps messaging costs in check.
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Single entry for payments and receipts
Enter a payment or receipt the way BUSY and Tally do: choose the cash or bank account once, with its balance, then list the accounts paid or received from and their amounts. The bank side is the total, so the voucher always balances; bills, cost centres and TDS work as before, and the Dr / Cr grid is one click away for unusual vouchers.
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Automatic payment reminders
Turn on payment reminders and customers are emailed a few days before a bill falls due, on the due date and on the days you choose after it, in your company's name, with the bills, your bank details and their statement attached. Each bill is reminded once per stage, paid bills drop out, any customer can be paused, and you can see today's list and every reminder sent.
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Outstanding statements by email
Send any customer or supplier a statement of their open bills, with due dates, days overdue, the ageing and your bank details, as a PDF to their email address, or send every customer their own statement in one click. Customers are asked to clear what is overdue, suppliers to confirm the balance, and replies come back to you.
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Email invoices and vouchers
Send a posted voucher straight to the party as its PDF: a sale as its GST tax invoice, a return as its credit or debit note, a payment as the payment voucher. The customer's email address is filled in from the account, you can add a note and keep a copy, replies come back to you, and every voucher shows when it was sent and to whom.
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Email your reports
Send any report straight from the app as a PDF, Excel or CSV attachment, with the dates and filters you are looking at, to yourself or up to five people at once, such as your CA or a partner. Every email is recorded in the audit log.
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Reports, from your books
A new Reports page with eleven reports for this financial year or any dates: income and expenses against the previous period, month by month profit and cash, a cash flow statement split into operating, investing and financing, sales and purchase registers with GSTIN and CGST / SGST / IGST, sales and purchases by party and by item, a ledger summary, profit by cost centre, budget vs actual and your subscriptions and insurance. Download any of them as Excel, PDF or CSV, and reach every statement from the same page.
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Print vouchers and tax invoices
Every voucher prints or downloads as a PDF with your logo, signature and terms. Sales print as GST tax invoices with the customer's GSTIN, place of supply, HSN codes, CGST and SGST or IGST, freight and a tax summary; payments, receipts and journals print with their Dr / Cr particulars and the bills they settle.
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Budget tags for every account
Every new income or expense account now says how it counts in your budget: its bucket under 50/30/20, 80/20 and your own rules, or left out altogether, like depreciation or a one-off gain. Check and change every account on Budget › Rules, income accounts included, and reset the choices in one click; budgets and reports follow at once.
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Import from Excel, into your books
Bring in your accounts with their opening balances, your items with opening stock, and payment, receipt, contra and journal vouchers from Excel or CSV. Every row is checked by the same rules as one typed by hand before anything is saved, and rows with problems are listed for you to fix.
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GST returns, from your books
GSTR-1 and GSTR-3B are back, worked out from your posted sales, purchases and returns: B2B and B2C sales, exports, credit notes and the HSN summary, input tax credit used against the tax in the order the law sets, and the cash left to pay. Download the GST portal's JSON (or Excel and PDF), file on the portal and mark it filed with the ARN.
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The new books are complete
The rebuild is done: the previous accounting pages are gone and everything runs on the new books, from vouchers, GST and stock to loans, budgets and the final accounts. Reminders for loan instalments and bills now come from the books, plan limits count vouchers, and F4 to F9 open voucher entry.
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The demo company is back, on the new books
Demo Traders returns with six months of a furniture trader's books built the new way: numbered sales and purchase vouchers with GST, stock that moves, customers who pay on time and one who pays late, card bills, TDS on the audit fee, a term loan with its EMIs, a SIP, fixed assets with depreciation, a bank statement matched, and the planning modules paying through real vouchers. Try it with any demo login.
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New books, part 8: planning on the books
Subscriptions, insurance premiums, vehicle costs, recurring entries and goals now post real vouchers of your books: pay a cycle or a premium and a payment voucher is posted from your bank to the right expense account, or link one you already entered. Recurring rent, salary and SIPs post themselves on schedule (or wait as drafts for approval), goals keep their savings in a real account, and the financial health check reads your books.
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New books, part 7: dashboard and budgets
The dashboard now reads straight from your books: income and expenses, cash and bank, what customers owe and what you owe, loans, investments, fixed assets, GST and your latest vouchers, with drafts waiting to be posted. Budgets and the 50/30/20 and 80/20 rules count your expense accounts: give each account or group its bucket, set limits, and see what was spent the moment a voucher is posted.
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New books, part 6: final accounts and year end
Trial Balance, Profit & Loss and Balance Sheet now come straight from the new books. The Trading account works out gross profit with your opening and closing stock, valued at average cost, and the Balance Sheet always balances: if opening balances don't agree, the difference is shown, never hidden. At year end, carry the year forward in one click and the next year opens with every balance, the profit and the stock in place.
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New books, part 5: loans, investments and fixed assets
Loans, investments and fixed assets now live in the new books, each on its own account. See every loan's EMI schedule and pay an instalment or prepay in one click, with interest split out for you. Buy and sell investments at cost and see the gain on market value. Keep a fixed asset register with straight-line or WDV depreciation charged in one journal, and sell or scrap an asset with its profit or loss worked out.
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New books, part 4: outstanding, TDS and bank reconciliation
See who owes you and whom you owe, bill by bill and by age. Deduct TDS at the right section rate (Income-tax Act, 2025) with one click, adjust party accounts with debit and credit notes, and reconcile every bank account with its statement. Loans and investments sit under Planning.
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Demo taking a short break
The sample demo company is paused while we finish rebuilding the accounting. It returns with fresh sample data on the new books in a coming release. You can still sign up and start your own books today.
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New books, part 3: sales, purchases and GST
Bill your customers and record supplier bills item by item, with HSN / SAC, discounts and GST worked out for you: CGST and SGST within your state, IGST across states. Add freight, discount or round off, settle returns against the original bill, and see how much of every item is left in each store on the stock summary. The accounting entry is made for you.
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New books, part 2: vouchers, Day Book and ledgers
Enter Payment, Receipt, Contra and Journal vouchers on a Dr / Cr grid. Raise and settle customer and supplier bills bill by bill, split income and expenses over cost centres, and let a checker post what others enter. The Day Book lists every voucher by date, and each account's ledger shows its running balance.
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New books, part 1: the Account master
We are rebuilding the accounting on the proven BUSY design. First up: one Account master for accounts, groups and cost centres on the standard groups, with opening balances, bill-by-bill balances, credit terms, address, GSTIN and PAN; voucher types numbered like PV/2026-27/0001 that restart every financial year; and a posting engine where a posted voucher is never edited, only cancelled by reversal. Vouchers, books, billing, loans, investments and assets follow in the next releases.
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Tidier categories
A Super Admin can now delete a built-in category that no workspace uses, so the shared list stays clean. Categories still in use, and the ones the app itself relies on, are kept safe and can be deactivated instead. A category used on a voucher or invoice line now counts as in use too.
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Dashboard periods and dates
The dashboard opens on this month and adds All time, from your first entry to today. Reports, the Day Book and registers open on this financial year (1 April to today), and you can change the dates any time. Typing a date such as 01.04.2026 into any date box works smoothly again.
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Add categories from your budget rules
Add a main category or a sub-category straight from Budget › Rules and choose whether it counts as Needs, Wants or Essentials as you add it. The rules now show all three levels of categories, each with the bucket it follows.
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Calculators inside WNE Finance
Home, car and personal loan EMI, PPF, SIP and FD calculators are now in the app under Planning → Calculators: worked out as you type, with full schedules, charts, what prepaying saves, and exports to HTML, PDF with your letterhead, Excel or CSV. Anyone can also use them free on this website.
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A fresh demo every 15 days
The shared live demo is now rebuilt with the full sample data every 15 days, and older used copies are cleared away automatically 15 days later, so the demo stays tidy for everyone.
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Partner payments with TDS in the demo
The live demo now shows a working partner's remuneration and interest on capital paid with 10% TDS under section 393(3) of the Income-tax Act, 2025 (old 194T), waiting to be deposited. Try it under Finance → TDS.
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TDS under the Income-tax Act, 2025
From 1 April 2026 TDS is deducted under section 393 of the new Act. Every section now shows its new reference (for example 393(1)[Sl.6(i)] for contractors, old 194C) on payment vouchers, the TDS register, challans and narrations, while earlier deductions keep their old section. The TDS page has a rate chart with thresholds, rent is tested by the month, and TDS on payments to partners is added.
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WNE Finance 1.0
Accounting: one simple account master with groups, Payment and Receipt vouchers (bill-wise, with TDS, and the reference picked from what is due: every EMI due, bill, invoice, subscription or premium, a reference used before on that ledger, or a new reference numbered for you, also in the detailed income and expense entry), self transfers, journals, invoices, bills, credit and debit notes, true double entry, financial years with a period lock, and a Gateway with keyboard shortcuts.
Books & statements: Day Book, cash and bank books, ledgers, Journal register, Trial Balance, Profit & Loss A/c and Balance Sheet, with drill-down and PDF, Excel and CSV downloads.
Billing & tax: GST on every line, GSTR-1 and GSTR-3B, outstanding and ageing with reminders, TDS deducted and deposited with challans.
And more: bank reconciliation, fixed assets, loans (including loans drawn as you pay, and a repayment schedule you recheck and correct before it is posted) and investments, budgets (every expense head tagged with its bucket when it is made), recurring entries, subscriptions and insurance (edit or delete the latest payment or premium), goals, cost centres, documents, approvals and audit, personal and business workspaces, and an app for your phone.
Signed-in users see every release in the app under Help → What's new & features.
Who it's for
Built for the way India manages money
Small businesses & traders
Invoices, GST returns, vendor bills, bank reconciliation and assets, with makers who enter and checkers who post, and vouchers that print or go on WhatsApp.
Multi-branch firms
Profit by branch, department or project through cost centres, from one set of books.
Freelancers & professionals
Client invoices and business costs kept apart from personal money, with clean statements.
Individuals & families
Salary, household spending, UPI, cards, loans, insurance and goals, all in one place, free.
Getting started
Up and running in an afternoon
- 1
Set up your workspace
Add your GSTIN, bank and cash accounts with opening balances in the Account master, or import them from Excel.
- 2
Add customers, vendors and assets
Each gets its own account. Then invoice, record bills and payments as they happen.
- 3
Let it work for you
Customers are reminded before and after bills fall due, GST returns and reports are one click away, and Live shows the day on your phone.
Plans
Simple plans for home and business
Start free for your personal money. Every business plan starts with a free trial. Prices are before GST; pay by UPI, card or net banking.
Personal
Personal Free
Free for your personal money: bank, cash and cards, income and expenses, budgets, goals, the ledger and reports.
Free
- All WNE Finance features
Business
Business Standard
Business Standard
₹9,999/ year
+ 18% GST
- 14-day free trial
- Up to 10 users
- All WNE Finance features
Enterprise
Everything in WNE Finance for one business workspace.
₹49,999/ year
+ 18% GST
- 14-day free trial
- Up to 25 users
- All WNE Finance features
Every plan includes the books (vouchers, ledgers, GST, final accounts), the dashboard, Live and reports. Need more later? Add users or a single feature, or move up a plan, and pay only for the rest of the current period.
Security
Your financial data, protected at every layer.
Financial records deserve more than a password. WNE Finance is built so that every change is traceable and every file stays private.
- Two-step sign-in with an authenticator app.
- Account numbers encrypted. Only the last 4 digits are ever shown.
- Full audit log of every create, change, posting and cancellation.
- Private workspaces and files. Receipts, statements and documents are checked on upload and never get a public link.
- Roles and permissions checked on the server for every action.
- Balanced books. Every voucher balances (Dr = Cr) before it is posted, and every alteration, cancellation or deletion is recorded in its history and the audit trail. Backups are taken automatically every night.
Questions
Frequently asked
Does it file my GST returns?
It prepares GSTR-1 and GSTR-3B from your sales, purchases and returns, works out how your input credit pays the tax, and downloads them in the GST portal's offline JSON format. You upload that file on the portal and file there; then mark it filed with the ARN in WNE Finance.
Does it remind me of bills?
Yes. Turn on payment reminders and your customers are reminded a few days before a bill falls due, on the due date and on the days you choose after it, by email, WhatsApp or SMS, with their statement attached. You and your team are reminded of bills to collect and to pay in the app or by email.
How do I reconcile the bank?
Open Bank reconciliation, mark the date each bank line cleared, and compare the balance as per bank with your statement.
Can I use it for both personal and business money?
Yes. Each lives in its own workspace, so the numbers never mix. Money moved between them is recorded as owner contribution or withdrawal.
Do I need to know accounting?
No. You record everyday things, like a sale, a bill paid or an EMI, and WNE Finance writes the Dr / Cr for you. If you or your accountant do know accounting, journal vouchers are there for adjustments and provisions.
Can I bring in my existing data?
Yes. Import your accounts with opening balances, your items with opening stock, and vouchers from Excel or CSV using the sample files. Every row is checked before anything is saved.
Does it work on my phone?
Yes, in any modern browser on phone, tablet or desktop, and it installs to your home screen like an app. Open Live for today's sales, money in and out and what customers owe, refreshing itself every 30 seconds.
Can it send invoices on WhatsApp?
Yes. Any invoice, statement of outstanding bills, report or document goes as a PDF on WhatsApp to the customer's mobile number, and every sales invoice can go out on WhatsApp and email the moment it is posted. WhatsApp is sent through Meta's official WhatsApp Business platform from your business number.
Can I connect my website or other software?
Yes. The WNE Finance API lets your website, app or tools read accounts, vouchers, outstanding bills and reports and enter receipts or GST invoices with a secure workspace token, and webhooks tell your systems when a voucher is posted or cancelled.
How much does it cost?
Personal workspaces start on a free plan, with a paid personal plan if you want more. Every business workspace starts with a free trial, then continues on a monthly or yearly plan paid by UPI, card or net banking. See Plans, or ask for a demo and we'll suggest the right one.
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Contact us
We're happy to help
For all queries and requests — plans, demos, setup, support or partnerships — write to us at info@wnefinance.com. We reply within one working day.