How does Deku Finance keep a growing business organised without accounting complexity?

Invoicing, UPI collections, expenses and profit reports live in one workspace. Every invoice or payment you record is a double-entry voucher, so the Balance Sheet, Profit & Loss and cash position are always computed from the same books instead of separate spreadsheets.

Can I start lean as a small business or freelancer and grow into it?

Yes. Without GST you send clean bills of supply with a UPI QR and no tax lines. A registration limit tracker shows how close your turnover is to the ₹20 lakh or ₹40 lakh limit (general guidance; your own position can differ). When you register, switch the company to GST and turn on team workflows.

How does the UPI QR on bills help me get paid?

Each bill can carry a QR made from your UPI ID with the amount and bill reference filled in. Customers scan it with any UPI app, so there's nothing to type and less back-and-forth about how to pay.

How does Deku help me follow up on unpaid invoices?

Collections groups unpaid invoices by how long they've been due and flags amounts owed to micro and small enterprises for more than 45 days. A WhatsApp button opens your own WhatsApp with a polite reminder, the amount and your UPI ID written in. Deku doesn't send messages itself.

Can I create quotations, estimates and proforma invoices before the final bill?

Yes. The document builder makes quotations, proforma invoices, delivery challans and estimates. When the client agrees, convert the document into a sales invoice without typing the lines again.

How do maker-checker approvals protect my business?

Staff and bookkeepers draft entries; an owner, CFO or admin approves them before they post to the ledger. Each voucher keeps its trail: who created it, who submitted it and who approved it.

How does bank reconciliation work?

Choose the bank account and a statement CSV. The file is read in your browser and matched against the bank ledger by date, reference and amount. Matches are suggestions until you confirm them, and the completed reconciliation is recorded with who did it.

Does Deku handle GST invoicing and returns?

Once GST is on, Deku splits CGST and SGST or IGST from the place of supply, tracks eligible input tax credit from your purchase register, and prepares GSTR-1 and GSTR-3B summaries with offline JSON to upload on the portal. Filing directly from Deku, e-invoices and e-way bills need a GST Suvidha Provider connection.

What is the ALERX chart of accounts?

ALERX organises every account under Assets, Liabilities, Equity, Revenue and Expenses, in four tiers from group down to the label you post to. Every company starts with a standard chart, so cash, bank, receivables and expenses are structured from day one.

How is our financial and employee data kept private?

Deku runs in your own deployment, so your books stay there. Deku Consultant answers from your ledger with fixed logic and doesn't send figures to an outside AI service. Seven roles control who can see and post what, including payroll figures.

Can I export my data whenever I want?

Yes. Reports, registers and ledgers download as CSV, and GST returns as JSON. Your data belongs to you.

Invoices, GST and books that balance.

Deku Finance is a GST and financial operating system for Indian businesses. Raise invoices, post vouchers from the keyboard, have a second person approve them, and prepare GST returns from the same double-entry books.

Try the demo Request a setup

18 guided workflows on sample books (best on laptop). No sign-up.

UPI QR on every bill
Live cash flow and P&L
Team roles and approvals
GST when you're ready

Start without GST. Switch it on when you register.

A small studio and a growing distributor need different paperwork. Deku keeps the same books underneath and changes what each bill carries.

Bills without tax clutter

For freelancers, studios and young businesses below the ₹20 lakh or ₹40 lakh registration limit. Send bills of supply with no monthly return to file.

Registration limit tracker32% of ₹20 lakh

This year ₹6,40,000Limit ₹20,00,000

Sample figures for a services business. Limits shown are general guidance.

UPI QR on every bill. Your UPI ID and the bill amount, ready for the customer to scan with any UPI app.

Fields on the bill

Bill of supply

KDS/26-27/0014

Not registered (section 22)

From

Kavya Design Studio

Not registered for GST

Mumbai, Maharashtra

Apex Growth Solutions LLP

Customer

Pune, Maharashtra

PO number: PO-2610-892
Terms: Net 15, due 3 Nov 2026

Item	Qty	GST	Amount
Brand identity designSAC 998391	1	–	50,000.00

Taxable value50,000.00

Total₹50,000.00

Scan to pay with any UPI app

kavya.studio@bank

Amount filled in: ₹50,000.00

Posted to the ledger

Dr Trade debtors50,000.00

Cr Sales50,000.00

A sample bill from a fictional business.

Every voucher shows who made it and who approved it

The Day Book lists every voucher in date order. Open one to see its journal lines, the debit and credit totals that must match, and the approval trail from created to posted.

Drafts wait in the approvals queue until an owner, CFO or admin signs off.

A payment voucher open in the Day Book: debit Accounts Payable and credit Operating Bank Account for ₹7,00,000, with an approval trail showing it was created and submitted by an accountant and approved and posted by the CFO.

GSTR-1 and GSTR-3B, prepared from your invoices

Deku sorts sales and eligible credit into the return sections, validates them and gives you offline JSON to upload on the GST portal.

Sections Deku doesn't generate yet are listed on the screen. Filing straight from Deku needs a GST Suvidha Provider connection.

GST returns for October 2026: GSTR-1 and GSTR-3B tables with taxable value, CGST and SGST of ₹54,000 each, eligible ITC, both marked validated, with a Download GSTR-1 JSON button.

Statements that tie out to the rupee

Balance Sheet, Profit & Loss, Trial Balance, Cash Flow, General Ledger and debtor and creditor ageing are all computed from posted vouchers. When a statement balances, its totals carry the accountant's double rule.

A balance sheet with capital and liabilities totalling ₹34,53,600.00 on the left and assets totalling ₹34,53,600.00 on the right, both totals double-underlined.

Inventory: Items, warehouses and stock valued first-in first-out.
Tally and CSV import: Bring in masters, opening balances and vouchers.
Deku Consultant: Questions about your books, answered from the ledger with fixed logic.
Seven roles: Owner to auditor, each seeing and posting only what it should.

From the first bill to the balance sheet

Collections, keyboard entry, live statements and safe delegation, all working on the same double-entry books.

Start lean, switch on GST in the same books

Begin with simple bills while you grow. When you register, turn on tax splits and team workflows without moving to another tool.

Bill formatBill of supply

Turnover this year₹18,40,000 of ₹20,00,000

Sample figures. Close to the limit, so it's time to register.

See all features

Books that balance themselves

Every rupee sits in Assets, Liabilities, Equity, Revenue or Expenses, so reports are right without spreadsheet fixes.

AssetsGroup
Current assetsLedger
Bank accountsSub-ledger
Operating bank accountLabel, takes entries

Debits equal credits on every voucher, or it doesn't post.

Explore the chart of accounts

UPI QR on every bill

Your UPI ID and the exact amount, printed on the bill for any UPI app to scan.

kavya.studio@bank

₹24,890.00

KDS/26-27/0104

Paid straight to your own bank account

Know who owes you, and remind them on WhatsApp

Unpaid invoices are grouped by how long they've been due. One click opens WhatsApp with a polite reminder, the amount and your UPI ID already written. Your WhatsApp sends it; Deku doesn't.

Due in 6 days
Overdue 15+ days
Over 45 days

Reminder text, as the Collections screen writes it

Dear Apex Growth Solutions LLP, This is a reminder that ₹ 48,000.00 is due on invoice KDS/26-27/0084 (due date 17-Nov-2026). You can pay by UPI to kavya.studio@bank. Thank you, Kavya Design Studio

Open Collections in the demo

GST return files, prepared from your books

Sales and eligible credits are sorted into GSTR-1 and GSTR-3B summaries with offline JSON to upload on the portal. No mapping spreadsheets at month-end.

{
  "period": "Oct 2026",
  "taxable_sales": 600000.00,
  "eligible_credits": 183600.00
}

Summary figures from the Aster Trading demo books.

How GST works in Deku

Delegate daily entry, keep the final say

Your team drafts bills, expenses and vendor entries. An owner or manager approves before anything posts, and the voucher keeps the trail.

1CreatedVikram DesaiAccountant
2Submitted for approvalVikram DesaiAccountant
3Approved and postedMeera JoshiCFO

See approvals in the demo

Keep your hands on the keyboard

Every voucher has a function key and every register a letter, the way accountants who learned on desktop software already work. Press a key, or tap one, to see what it opens.

SalesTax invoice or bill of supply

B2B and B2C sales with place of supply, CGST, SGST or IGST, and a UPI QR.

Enternext field
Ctrl Entersave

The demo has the full key map. Try it on sample books

A clear chart of accounts for any kind of business

Every company starts on the same four-tier ALERX structure. Pick a business type below to see how its revenue, bank accounts, receivables and costs sit inside it.

Tier 1
Group
Assets, Liabilities, Equity, Revenue, Expenses
Tier 2
Ledger
Cash and bank, receivables, statutory taxes
Tier 3
Sub-ledger
Bank accounts, trade debtors, output GST
Tier 4
Label
The account you post to: a bank, a customer, hosting
On every label
Entries and value
How many entries it has, and its rupee balance.

Licences, retainers, cloud hosting and payment gateways. Gateway settlement ledgers, recurring revenue, hosting costs and output GST.

Code	Group	Ledger and sub-ledger	Label	Sample entries	Sample balance
1021	AAssets	Cash and bankOperating bank accounts	Primary current accountReceives gateway payouts and client transfers.	14	₹4,20,000.00
1031	AAssets	Current assets and receivablesTrade debtors	Annual contract receivablesUnpaid invoices to annual contract clients.	5	₹1,85,000.00
2081	LLiabilities	Statutory and tax liabilitiesOutput GST	Output IGST 18%, software licencesTax collected on inter-state subscriptions.	12	₹45,000.00
3010	EEquity	Owner capitalShareholder capital	Founder capitalCapital put in at incorporation.	1	₹5,00,000.00
4010	RRevenue	Operating revenueProduct revenue	Monthly subscription revenueSubscription fees earned from customers.	24	₹6,80,000.00
5030	XExpenses	Operating overheadsTechnology and infrastructure	Cloud hostingMonthly server and hosting invoices.	4	₹68,500.00

Entries can only post to labels. The database refuses a line posted to a group or ledger.

Set up your chart

A standard chart from day one

No weeks of setup. Numbering follows the familiar pattern: Assets in the 1000s, Liabilities 2000s, Equity 3000s, Revenue 4000s and Expenses 5000s.

Entries counted as well as valued

Each journal line records the rupee amount and a count of the business event, so you can see how often something happens next to what it cost.

Reports that need no reconciling

Entries post only to labels inside the tree, so Profit & Loss, Balance Sheet and Trial Balance are computed straight from them.

Why Indian businesses choose Deku Finance

How Deku compares with the two kinds of tool most small businesses use today. Other products differ by edition and add-on, so treat their columns as typical, not exact.

Start without GST, add it later
Deku: Bills of supply first, GST invoices once you register, same books
Desktop software
GST set up per company, usually by an accountant
Invoicing apps
Often one invoice format
UPI QR on bills
Deku: On every bill, with the amount filled in
Desktop software
Usually through an add-on
Invoicing apps
Often a static QR image
Keyboard entry and balanced books
Deku: A key for every voucher; debits must equal credits to post
Desktop software
Keyboard-driven, with a learning curve
Invoicing apps
Mostly mouse-driven; often no general ledger
Live P&L and bank reconciliation
Deku: Reports from posted vouchers; statement CSV matched against the bank ledger
Desktop software
Reports available; statement matching varies by edition
Invoicing apps
Often invoice lists and sales totals only
Team approvals and GST limit tracking
Deku: Maker-checker approvals and a registration limit tracker
Desktop software
Varies by edition
Invoicing apps
Rarely available

Capability	Deku Finance	Desktop accounting software	Invoicing apps
Start without GST, add it later	Bills of supply first, GST invoices once you register, same books	GST set up per company, usually by an accountant	Often one invoice format
UPI QR on bills	On every bill, with the amount filled in	Usually through an add-on	Often a static QR image
Keyboard entry and balanced books	A key for every voucher; debits must equal credits to post	Keyboard-driven, with a learning curve	Mostly mouse-driven; often no general ledger
Live P&L and bank reconciliation	Reports from posted vouchers; statement CSV matched against the bank ledger	Reports available; statement matching varies by edition	Often invoice lists and sales totals only
Team approvals and GST limit tracking	Maker-checker approvals and a registration limit tracker	Varies by edition	Rarely available

One yearly licence for each stage of growth

Every plan is an annual licence with setup by a partner near you, product and tax updates, and your company's data kept to itself. No charge per invoice or per transaction.

GO

Clean books to start

Freelancers, studios and young businesses that want proper bills, UPI collections and books that are always up to date.

₹24,999a year

about ₹2,083 a month, billed yearly

Seats: 2
Bills a year: 2,000
Catalogue items: 100

Non-GST mode with a registration limit tracker
Bills of supply and GST tax invoices
UPI QR on every bill
Double-entry vouchers from the keyboard (F4 to F9)
Day Book, Profit & Loss, Balance Sheet and Trial Balance
GSTR-1 and GSTR-3B summary view
Collections with WhatsApp reminder links

Request a setup

PRO

Enterprise

Every branch, every warehouse

Organisations with more people, several locations and stock in more than one warehouse, who want the whole suite.

₹1,19,999a year

about ₹10,000 a month, billed yearly

Seats: Unlimited
Bills a year: Unlimited
Catalogue items: Unlimited

Everything in PRO, plus

Unlimited seats
Multi-warehouse stock with FIFO valuation and transfers
Deku Consultant across every department, answered from your ledger
Marketplace settlements across channels
Direct GST filing, e-invoice and e-way bill through a GSP connection
Cloud or on-premises deployment
Dedicated account manager and accountant-led onboarding

Talk to us

Compare every plan, line by lineScale, invoicing, GST, books, reports and support across GO, PRO and Enterprise.

Capability	GO₹24,999 a year	PRO₹49,999 a year	Enterprise₹1,19,999 a year
Scale and people
User seatsPeople who can sign in to the company.	2	5	Unlimited
Bills per yearBills of supply, tax invoices and credit or debit notes.	Up to 2,000 a year	Unlimited	Unlimited
Catalogue itemsProducts and services with HSN/SAC codes and tax rates.	Up to 100 items	Unlimited	Unlimited
RolesOwner, CFO, admin, accountant, analyst, auditor and viewer.	Admin and accountant	All 7 roles	All 7 roles
Maker-checker approvalsA second person approves a voucher before it posts.
Payroll privacySalary figures hidden from roles that shouldn't see them.
Invoicing and collections
Bills of supply and tax invoicesNon-GST bills below the limit, GST invoices once registered.
UPI QR on billsQR from your UPI ID with the amount filled in.
Payment linksCollect through a payment provider, once one is connected.
Collections and WhatsApp remindersWho owes what, and a reminder link to send from your WhatsApp.
Marketplace settlementsSales, commission and TCS from marketplace settlement sheets.	Manual journal	Settlement sheet import	Across channels
GST
Non-GST mode (section 22)Run without GST while below the registration limit, with a tracker.
Tax by place of supplyCGST and SGST within the state, IGST across states.
GSTR-1 and GSTR-3BPrepared from your invoices and purchases.	Summary view	Offline JSON for the portal	Offline JSON; direct filing through a GSP
Input tax credit registerEligible credit kept apart from section 17(5) blocked credit.	Purchase register
E-invoice and e-way billIRN, signed QR and e-way bills through a GST Suvidha Provider.			Needs a GSP connection
Books, stock and banking
Double-entry ledgerDebits must equal credits; server-issued voucher numbers.
Vouchers from the keyboardContra, payment, receipt, journal, sales and purchase (F4 to F9).
Bank reconciliationMatch a statement CSV against the bank ledger.	Cash and bank book	Statement CSV matching	Statement CSV matching
InventoryStock valued first-in, first-out.	One location	One warehouse	Multiple warehouses and transfers
Reports and Deku Consultant
StatementsProfit & Loss, Balance Sheet, Trial Balance and Cash Flow from posted vouchers.
Ageing, DSO and DPOWho owes you, whom you owe, and for how long.
Deku ConsultantAnswers from your ledger with fixed logic, not an outside AI service.			Every department
Deployment and support
DeploymentWhere Deku runs.	Your own deployment	Your own deployment	Cloud or on premises
SupportHow to reach us.	Email and help centre	Phone and WhatsApp	Dedicated account manager

Every plan: balanced double-entry books, an audit log and no shared passwords.

Licensing questions: +91 75064 61004

Questions, answered

Something else on your mind? Request a setup and we'll help you directly on WhatsApp.

Invoicing, UPI collections, expenses and profit reports live in one workspace. Every invoice or payment you record is a double-entry voucher, so the Balance Sheet, Profit & Loss and cash position are always computed from the same books instead of separate spreadsheets.
Yes. Without GST you send clean bills of supply with a UPI QR and no tax lines. A registration limit tracker shows how close your turnover is to the ₹20 lakh or ₹40 lakh limit (general guidance; your own position can differ). When you register, switch the company to GST and turn on team workflows.
Each bill can carry a QR made from your UPI ID with the amount and bill reference filled in. Customers scan it with any UPI app, so there's nothing to type and less back-and-forth about how to pay.
Collections groups unpaid invoices by how long they've been due and flags amounts owed to micro and small enterprises for more than 45 days. A WhatsApp button opens your own WhatsApp with a polite reminder, the amount and your UPI ID written in. Deku doesn't send messages itself.
Yes. The document builder makes quotations, proforma invoices, delivery challans and estimates. When the client agrees, convert the document into a sales invoice without typing the lines again.
Staff and bookkeepers draft entries; an owner, CFO or admin approves them before they post to the ledger. Each voucher keeps its trail: who created it, who submitted it and who approved it.
Choose the bank account and a statement CSV. The file is read in your browser and matched against the bank ledger by date, reference and amount. Matches are suggestions until you confirm them, and the completed reconciliation is recorded with who did it.
Once GST is on, Deku splits CGST and SGST or IGST from the place of supply, tracks eligible input tax credit from your purchase register, and prepares GSTR-1 and GSTR-3B summaries with offline JSON to upload on the portal. Filing directly from Deku, e-invoices and e-way bills need a GST Suvidha Provider connection.
ALERX organises every account under Assets, Liabilities, Equity, Revenue and Expenses, in four tiers from group down to the label you post to. Every company starts with a standard chart, so cash, bank, receivables and expenses are structured from day one.
Deku runs in your own deployment, so your books stay there. Deku Consultant answers from your ledger with fixed logic and doesn't send figures to an outside AI service. Seven roles control who can see and post what, including payroll figures.
Yes. Reports, registers and ledgers download as CSV, and GST returns as JSON. Your data belongs to you.

Try it on sample books

18 guided workflows run on the real screens, from issuing an invoice to closing the month. Pick one of 4 fictional companies and any of the seven roles on a desktop or laptop browser. No sign-up; the sample books stay in your browser.

Try the demo Browse the Learn Centre