Compare
Capitallytics vs Zoho Books
Zoho Books is full accounting software for invoicing, GST filing and inventory. Capitallytics keeps business books too, but is built around forecasting, runway and an AI CFO, with your personal finances alongside. Here is how they differ.
Side by side
| Feature | Capitallytics | Zoho Books |
|---|---|---|
| Price | Free plan; Business ₹1,499/month. 14-day trial of every paid feature. | Free under ₹25 lakh revenue; paid plans ₹899 to ₹9,599/month (₹749 to ₹7,999 billed yearly), plus taxes. |
| Double-entry books, P&L and balance sheet | Yes | Yes, with 50+ reports |
| Invoices and bills | Yes | Yes (1,000 a year on Free, more on paid plans) |
| GST | GSTR-1 and GSTR-3B-style summaries and an ITC register from your books. Filing is not built in. | GST return filing on all plans |
| E-invoicing (IRN) | No | Standard plan and above |
| Inventory | No | Basic on all plans; warehouses and batches on Elite and above |
| Bank data | Upload bank statements (PDF, CSV, Excel). No live bank feeds yet. | Bank reconciliation on all plans |
| Cash runway and burn | Yes, from your bank statements and books | Not listed on the pricing page |
| Forecasts and budgets | Yes | Budgeting on Premium and above |
| AI CFO that answers from your numbers | Yes | Not listed on the pricing page |
| Personal net worth and portfolio | Yes (Personal Pro ₹199/month) | No (accounting software) |
Zoho Books details are from their own page, read on 23 Oct 2026. Check it for current plans and prices.
Choose Zoho Books if
- You need to file GST returns or raise e-invoices from the same tool.
- You manage stock, warehouses or batches.
- You want live bank feeds today.
Choose Capitallytics if
- You want runway, burn and forecasts from your real bank data, not just reports.
- You want to ask an AI CFO questions and get answers from your own books.
- You also want your personal net worth and investments in the same place.
Questions
- Can Capitallytics replace Zoho Books?
- For a services business that does not need GST filing, e-invoicing or inventory, it can. If you need those, keep Zoho Books for compliance and use Capitallytics for forecasting and the AI CFO.
- Can I file GST returns from Capitallytics?
- No. It prepares GSTR-1 and GSTR-3B-style summaries from your books for you or your accountant to file.
- Does Capitallytics connect to my bank?
- Not with live feeds yet. You upload bank statements as PDF, CSV or Excel files, including password-protected PDFs.
- Where do the Zoho Books details come from?
- From Zoho's own Indian pricing page, read on 23 Oct 2026. Plans and prices can change, so check their page before you decide.
Also see all features, pricing and the runway calculator.
Get started
Try Capitallytics with your own numbers
Upload a statement and see your runway, net worth and AI CFO answers in minutes.
14 days of every paid feature, Personal and Business. No card needed. Keep Free after.