The all-in-one financial operating system purpose-built for Indian freelancers, contractors, and MSMEs. Automated GST Invoicing, Section 16 MSMED Act compound interest notices @ 20.25%, 0% MDR direct UPI settlements, and AI contract risk redlining.
When clients cross the mandatory 45-day statutory credit limit, Settlr automatically computes compound monthly interest @ 20.25% p.a. (3x RBI Bank Rate) and generates downloadable MSME Samadhaan legal demand notices.
From invoice creation to statutory enforcement — fully automated in under 60 seconds.
Generate a professional GST-compliant invoice in under 60 seconds with auto-calculated CGST/SGST/IGST splits.
Share via WhatsApp/Email with embedded UPI QR. Real-time payment tracking with automatic 45-day MSMED deadline monitoring.
If payment crosses 45 days, Settlr auto-generates compound interest notices and MSME Samadhaan filing documents.
Export GSTR-1 JSON, track advance tax, reconcile TDS, and forecast 90-day cashflow — all from one dashboard.
Drag the sliders below to calculate your statutory compound interest under Section 16 of the MSMED Act, 2006.
Every tool you need to invoice, collect, comply, and grow — all in one integrated platform.
Enforce your legal rights under Section 15 & 16 of the MSMED Act 2006. Automatically calculate 20.25% compound monthly interest and generate legal demand notices.
Embedded dynamic NPCI UPI QR codes directly on invoices. Instant bank settlements via GPay/PhonePe with 0% payment gateway processing fees.
Full support for Intra-State CGST/SGST, Inter-State IGST, and GST Credit Notes. Instant GSTR-1 JSON export for hassle-free tax filing.
Track 10%/2% Section 194J and 1% Section 194C tax withholdings. Auto-generate WhatsApp reminders for Form 16A certificates.
Powered by advanced AI capabilities. Upload client contracts to instantly detect missing MSME clauses, payment risks, and uncapped liabilities.
Forecast cashflow runway across 30, 60, and 90-day buckets. Track Days Sales Outstanding (DSO) and optimize your working capital liquidity.
| Feature Capability | ⚡ Settlr OS | Zoho Invoice | Khatabook / Vyapar |
|---|---|---|---|
| 45-Day MSMED Act Statutory Interest (20.25% p.a.) | ✅ Automated & Legal Notice Ready | ❌ No Statutory Engine | ❌ Manual only |
| Zero-MDR Direct NPCI Dynamic UPI QR | ✅ 1-Click Embedded (0% Fees) | ⚠️ Gateway charges apply (2%) | ⚠️ Static QR only |
| TDS Asset Ledger & Form 26AS Reconciliation | ✅ Built-in Section 194J/194C | ⚠️ Partial / Add-on | ❌ No TDS Ledger |
| Section 44ADA Presumptive Advance Tax Planner | ✅ 4 Quarterly Deadlines Tracked | ❌ Not supported | ❌ Not supported |
| AI Contract Legal Redlining & Risk Scoring | ✅ Advanced AI Capabilities Included | ❌ No AI legal analysis | ❌ No AI capabilities |
Start 100% free with core statutory rights enforcement. Upgrade anytime as your billing scales.
Essential statutory protection for individual freelancers and sole proprietors.
Complete cashflow enforcement, automated reminders, and tax compliance.
AI legal intelligence, multi-client management, and quarterly advance tax forecasting.