SmartLedger AI vs T:0
SmartLedger AI
smartledger.aiT:0
t0.aiSide by side
| Figure | SmartLedger AI | T:0 |
|---|---|---|
| Price from | ₹333.33/mo | $199/mo |
| Free plan | Yes | — |
| Free trial | Yes | — |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| iOS | Yes | — |
| Android | Yes | — |
| Plans published | 9 | 4 |
| Spec score · AI Accounting Software | 8.7 (#7) | 6.9 (#29) |
| Integrations | Official integrations include Tally, Zoho Books, Excel, Google Drive, WhatsApp, Slack, email, Indian banks and GSTN workflows. | The Integrator connects to more than 12,000 financial platforms, including payroll, cards, billing, payments, and banks. |
| Product | SmartLedger AI is an accounting automation platform for Indian businesses, finance teams, and CA firms. | T:0 automates company finance, including bookkeeping and trend analysis, and provides real-time answers about business finances. |
| Security | 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. | The Integrator page says bank connections are read-only and encrypted, using industry-standard infrastructure. |
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
T:0
- Platform-Only Access$199 a month
- Managed Bookkeeping$599 a month
- Managed Bookkeeping + Tax$749 a month
- CFO ServicesPriced on request
In their own words
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.