Ramp Stack vs SmartLedger AI
Ramp Stack
ramp.com
SmartLedger AI
smartledger.aiSide by side
| Figure | Ramp Stack | SmartLedger AI |
|---|---|---|
| Price from | — | ₹333.33/mo |
| Free plan | — | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | — | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| Plans published | 0 | 9 |
| Spec score · AI Accounting Software | 6.9 (#27) | 8.7 (#7) |
| Headquarters | New York, New York, United States | Bengaluru, Karnataka, India |
| Integrations | The Stack page names QuickBooks, NetSuite, and Sage Intacct among the systems it can connect to. | Official integrations include Tally, Zoho Books, Excel, Google Drive, WhatsApp, Slack, email, Indian banks and GSTN workflows. |
| Intended users | Ramp says Stack is built for accounting firms serving clients and finance teams managing their own books. | The product is presented for CA firms and businesses, including accountants, finance teams, and small, medium, and large businesses. |
| Product | Stack is Ramp’s AI operating system for accounting teams that connects to financial systems and completes accounting work for review and approval. | SmartLedger AI is an accounting automation platform for Indian businesses, finance teams, and CA firms. |
| Security | Ramp says Stack uses infrastructure designed with SOC 2 controls and encrypts data in transit and at rest. | The FAQ states data is encrypted at rest and in transit with AES-256, hosted in Indian data centres, protected with role-based permissions and audit logs, and that SmartLedger AI is ISO 27001 certified and aligned to the DPDP Act. |
| Support | Ramp directs prospective Stack users to speak with a Ramp team member to see how Stack can work for their team. | Plus and Pro include email support; Max includes priority support and email and WhatsApp chat support. |
Plans
SmartLedger AI
- FreeFree
- Plus₹399 a month
- Pro₹699 a month
- Max₹1,199 a month
- CA Pro₹4,000 a year
- Plus₹4,000 a year
- Pro₹7,000 a year
- CA Max₹8,000 a year
- Max₹12,000 a year
In their own words
Ramp Stack
Ramp Stack is a web-based AI operating system for accounting teams. It prepares accounting work for review and approval, with preloaded skills for reconciliations, journal entries, variance analysis, schedules, and accruals. Stack connects with QuickBooks, NetSuite, Sage Intacct, and spreadsheets, and can learn preferences such as project-based spending, deferred revenue recognition, and custom vendor rules. Teams can inspect work and its sources, set guardrails, and approve items requiring judgment before posting. A Session Audit Log records sources, actions, and outputs. Ramp says skills, processes, and client data are not shared with other firms or used to train its models, while model-provider contracts include zero data retention. The service is designed with SOC 2 controls and encrypts data in transit and at rest. Stack supports QuickBooks Online businesses with straightforward bookkeeping, but not QuickBooks Desktop or multi-currency workflows. Pricing is available on request.
SmartLedger AI
SmartLedger AI is an accounting automation platform for Indian businesses, finance teams, and CA firms. It automates bookkeeping, reconciliations, GST and TDS filings, and follow-ups, presenting results in ledgers, reports, and working papers for review. SmartAuditor lets users request tasks such as bank statement categorization or GSTR-3B preparation, then review the output. The product is designed to keep review and approval with people rather than replace accountants or finance teams. Workflows can connect with Tally, Zoho Books, Excel, Google Drive, WhatsApp, and Slack. The free plan costs nothing and includes core accounting, but no AI automation. Plus costs ₹399 a month; Pro costs ₹699 a month and includes AI processing for up to 2,500 invoices or statements. Max costs ₹1,199 a month and raises that processing limit to 5,000; both plans allow unlimited uploads under a Fair Use Policy, after which uploads fall back to OCR. CA Pro costs ₹4,000 a year, and CA Max costs ₹8,000 a year. A free Windows x64 Tally Connector is listed as version 0.15.1. The FAQ states data is encrypted at rest and in transit and hosted in Indian data centres.