SMB Finance

Small Business Finance software for founders & operators

Track revenue, expenses, and cash for small businesses and freelancers. Unlock KPIs, forecasts, and AI-assisted business insights with the Business plan when you scale.

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Read-only import

Analysis-only pipelines. Capitallytics cannot transfer your capital.

Encrypted connections

HTTPS on every session. Your password is handled by our sign-in provider.

Your data stays yours

We do not sell personal information to third parties.

Secure authentication

Industry-standard sign-in. No OTPs or passwords over email.

Built for operators, not enterprise ERP

Small businesses need clear books and cash visibility without heavyweight ERP. Capitallytics Business Finance focuses on revenue, expenses, KPIs, and reporting in a founder-friendly workspace.

Personal wealth tools stay in Personal Finance OS. Collaboration features for professional modules follow product capabilities — do not assume cloud collaboration on every surface.

The day-to-day jobs it covers

Money in: raise invoices and estimates, set up recurring invoices, record receipts and see which customers owe what in receivables aging. Money out: add vendors and bills, set up recurring bills and track what is due or overdue in payables aging.

Banking: import a bank statement, review each line in the review queue before it is posted, and reconcile cash. Ledger and reports: a chart of accounts, journal, profit and loss, balance sheet, cash-flow statement, trial balance and a month-end close checklist. Reports export to CSV, and Tally XML or Zoho-style journal files are available on the Business plan for your accountant.

On top of the books, Plan holds the 12-month forecast, the 30/60/90-day cash forecast and variance analysis, and the AI CFO answers questions from the posted figures, with a weekly brief and alerts for new risks.

Keep business and personal money apart

Mixing the two is the most common problem in very small businesses. Capitallytics keeps Business revenue and expenses out of Personal cash flow. If you run the business as a proprietor, your business profit is still part of your personal taxable income, so the Personal tax planner lets you choose business or freelance income and estimate tax and advance-tax instalments. It is a planning tool only and does not file returns.

A sensible order to set it up

Start with one account book and your bank account. Import the last few months of statements, clear the review queue, then add open invoices and bills so receivables and payables are complete. After that, Home shows cash, bills due and runway from your own records, and the forecast and AI answers have something real to work from.

Sample data · a fictional sole proprietor, FY 2025-26 new regime, figures in ₹

Example: estimating a proprietor's income tax

Example only, and educational information, not tax advice. The business shows a profit of ₹12,50,000 for the year. The owner has no other income and claims no deductions. Business income gets no standard deduction.

New-regime tax on ₹12,50,000 of business income (₹) (sample figures, not real data)
Step	Amount
₹0 – ₹4,00,000 at 0%	0
₹4,00,000 – ₹8,00,000 at 5%	20,000
₹8,00,000 – ₹12,00,000 at 10%	40,000
₹12,00,000 – ₹12,50,000 at 15%	7,500
Tax on slabs	67,500
After marginal relief	50,000
Health & education cess at 4%	2,000
Estimated tax for the year	52,000

Slab tax is ₹20,000 + ₹40,000 + ₹7,500 = ₹67,500.
The section 87A rebate covers income up to ₹12,00,000. Just above that limit, marginal relief caps the tax at the income above ₹12,00,000, which is ₹50,000, so tax falls from ₹67,500 to ₹50,000.
Cess of 4% adds ₹2,000, giving about ₹52,000 for the year.
As this is above ₹10,000, advance tax applies (non-presumptive): 15% by 15 June (₹7,800), 45% by 15 September (₹23,400 in total), 75% by 15 December (₹39,000) and 100% by 15 March (₹52,000).

Setting aside about ₹4,300 a month for tax keeps instalments from surprising your cash flow. Confirm the final figure with a chartered accountant before you pay.

Small Business Finance

Key features

Revenue & expenses

Core books on Free.

KPI dashboard

Business metrics on the Business plan.

Forecasting

Scenario planning when unlocked.

AI-assisted CFO insights

Questions grounded in your business data.

Why teams use Capitallytics

Start free

Basic business books without a credit card wall.

Same brand, clear modes

Personal and business finance remain separate.

Small Business Finance FAQ

Short answers on plans, data handling and how this works, before you sign up.

Is this accounting software?

Capitallytics Business Workspace includes accounting workflows — account book, AP, AR, ledger, and statements — plus reporting and AI. It is not a payroll or tax-filing product.

Can my accountant work with the data?

Yes. Reports export to CSV, and on the Business plan you can export Tally XML or Zoho-style journal files and an investor pack, so your accountant can work in their own tools.

Do I need to connect my bank?

No. You can import bank statements and review each line before it is posted, or record invoices, bills and payments by hand.

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Open Business Finance

Create a free business workspace on Capitallytics.

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14 days of every paid feature, Personal and Business. No card needed. Keep Free after.