For Pakistani small businesses
Accounting software built for how Pakistani businesses actually work
Pakistani shopkeepers, freelancers, and traders often run the business from their phone — not from a desk with a spreadsheet open. Accountio is bookkeeping software that lets you capture sales and expenses through WhatsApp, voice notes, and supported receipt photos. Records stay structured, retain proof, and export for your CA in Excel, Tally, or PDF. PKR pricing is available; Personal is free.
What it is
Bookkeeping software — not tax filing
Accountio helps record and organize business transactions, expenses, and related bookkeeping records.
Accountio is a conversational bookkeeping assistant designed for Pakistani SMEs. It structures the sales, expenses, and transfers you capture on WhatsApp into audit-ready books — with categories, summaries, and exports your chartered accountant can review.
What it isn't:
- FBR filing or tax return submission software
- A GST filing service
- An ERP, POS, or inventory system
- Payroll or salary management
- A licensed accountant or tax advisor
Accountio AI is a bookkeeping assistant, not a licensed accountant, tax advisor, or financial advisor. AI-generated responses may be incomplete or inaccurate. You are responsible for reviewing all entries and summaries before relying on them — see our Terms & Conditions for the full AI Output Disclaimer.
Pakistan fit
Phone-first, WhatsApp-native, PKR-aware
Built around how operators in Pakistan actually capture business activity.
Accountio meets you on WhatsApp — the app most counter staff and owners already check dozens of times a day. Send transactions in Urdu, English, Roman Urdu, or Hinglish. Voice notes land in your books on supported plans. Receipt photos work where OCR is included on your tier.
Pro pricing is shown in PKR for Pakistan and USD internationally. You can also capture input in 12+ languages for messages and voice notes — that is input-language support, not a claim that the entire product UI is localized into every language.
Learn more about bookkeeping on WhatsApp as a dedicated workflow page.
Who it's for
Pakistani operators with real bookkeeping habits
Each audience shares phone-first workflows — not enterprise ERP requirements.
Shopkeepers
Log sales and expenses from the counter without stopping to type into a spreadsheet. Send a WhatsApp message or voice note when a customer leaves — proof stays with the entry.
Freelancers
Record income and expenses as they happen from your phone. Keep structured books with source context attached — without payroll, invoicing suites, or tax filing tools Accountio does not provide.
Traders
Capture purchases, sales, and transfers in Urdu or Hinglish while you are on the road. Export Excel, Tally, or PDF when your CA needs a clean handoff.
Small business owners
Run bookkeeping from the phone you already carry. Weekly reporting on Personal, daily on Pro — see plans and limits for current tiers.
Pakistani SMEs
Built for the informal economy — conversational capture, audit-ready records, and PKR pricing for Pakistan. Not an ERP, POS, or inventory platform.
Running a shop counter? See bookkeeping for shopkeepers. For export handoff details, read about Excel and Tally export for your CA or AI bookkeeping on WhatsApp.
Day to day
How bookkeeping works in Accountio
A clear workflow — no backend architecture claims.
Step 1
Send a transaction on WhatsApp
Text a sale, expense, or transfer in plain language — the channel many Pakistani operators already use all day.
Step 2
Add voice notes where supported
Say it in Urdu, English, Roman Urdu, or Hinglish. Pro includes voice note parsing; chat capture works on Personal too.
Step 3
Send supported receipt photos
When OCR is available on your plan — Personal includes a trial period; Pro includes daily OCR scans — snap a receipt instead of retyping.
Step 4
Accountio structures and categorizes
Plain-language input becomes a categorized bookkeeping entry without a separate data-entry screen.
Step 5
Proof stays attached
The original message, voice note, or input remains linked. Changes are logged so you can trace any number.
Step 6
Report and export for review
Weekly summaries on Personal, daily on Pro. Export Excel, Tally, or PDF when your CA is ready to review.
Language
Bookkeeping in the language you already use
Urdu, English, Roman Urdu, and Hinglish — without pretending the whole UI is translated.
If you can explain a sale in Urdu or Hinglish at the shop counter, Accountio can book it. Roman Urdu — the way many WhatsApp threads already mix languages — is a first-class input pattern, not an afterthought.
English works for owners who prefer it, or for mixed-language teams. Accountio also supports 12+ input languages for the messages and voice notes you send. The website and app interface are primarily in English and Roman Urdu; separate input-language support from full product localization matters when you evaluate accounting software for Pakistan.
Voice, Urdu, Hinglish, and photos are valid inputs — not exceptions bolted onto an English-only product.
PKR pricing
Personal is free. Pro in PKR for Pakistan.
Geo-aware pricing from the same source as the pricing page.
Personal
For students and personal budgets.
Free forever
- Chat through WhatsApp
- 120 transactions per month
- OCR free for 7 days trial
- Single user access
Pro
Higher limits for owners, NGOs, and freelancers.
From PKR 5,600/month in Pakistan
- Everything in Personal
- 300 transactions per month
- 3 OCR scans per day
- Multiple devices at once
Standard Pro pricing in Pakistan is PKR 9,500/month. The first 125 Pro subscribers receive launch pricing at PKR 5,600/month. International customers see USD pricing instead.
Compare plans and limits for the full feature comparison, billing details, and refund policy.
CA handoff
Structured records your chartered accountant can review
Export when they ask — not live Tally sync.
Accountio keeps structured bookkeeping records with proof attached. When your CA needs files, export in Excel, Tally, or PDF format. Every sale or expense can link back to the message or voice note you sent — so review starts with context, not guesswork.
This is an export handoff workflow. Accountio does not migrate data from Excel or Tally, does not synchronize live with Tally, and does not replace your accountant's professional judgment. The Excel & Tally export page walks through that handoff in more detail.
Already have books in a spreadsheet? Run a free audit on your existing exports before you switch capture habits — no Accountio subscription required.
Company
Built in Pakistan, for Pakistani operators
Legal and company context — not ranking claims.
Accountio is operated by Accountio AI (Private) Limited, a company registered in Pakistan. The team works from the National Incubation Center (NIC) Faisalabad on the University of Agriculture, Faisalabad campus — incubated at Pakistan's leading Agri-Tech & Tex-Tech incubator.
Accountio was founded in Faisalabad by M. Shahzad Arif and co-founded by M. Ahmad — both based in a city of manufacturers, traders, and family businesses where bookkeeping still happens on paper, in memory, and in chat threads.
Accountio runs on trusted infrastructure partners including Google Cloud, AWS, Meta, and NVIDIA — shown on our homepage partners section. This is company context, not a government endorsement or "officially approved" claim.
Read our story · Ownership statement · Guides for Pakistani SMEs
Compare workflows
Conversational capture vs delayed spreadsheet entry
A balanced comparison — Excel and Tally are not 'bad'.
| Workflow | Accountio | Spreadsheet habit |
|---|---|---|
| How entries get in | Conversational capture on WhatsApp and voice | Manual typing into cells, often later |
| Language at the counter | Urdu, English, Roman Urdu, and Hinglish input | Usually English-first manual entry |
| Proof with each line | Source message or voice note linked to the entry | Numbers may be disconnected from how they were captured |
| CA handoff | Structured export in Excel, Tally, or PDF | Share the spreadsheet you built — formatting varies |
Accountio does not replace Tally as accounting software. Many businesses still use Tally or Excel with their CA — Accountio helps you capture records conversationally and export in familiar formats.
Trust
What Accountio does not replace
Designed to assist bookkeeping — not substitute professional judgment.
- Your CA or accountant's professional judgment
- Tax filing and compliance professionals
- Full ERP, POS, or inventory systems where those capabilities are required
- Guaranteed accuracy without human review of AI-generated output
Review AI-generated entries, summaries, and reports before relying on them for tax filing, regulatory submissions, or material business decisions — as required by our Terms. Subscription billing and refunds follow our Cancellation & Refund Policy.
FAQ
Accounting software for Pakistan — common questions
Grounded answers about fit, PKR pricing, languages, and exports.
Is Accountio suitable for a small shop in Pakistan?
Yes — Accountio is built for shopkeepers, freelancers, and traders who run business from their phone. You can log sales and expenses through WhatsApp chat, voice notes, or supported receipt photos, keep proof with each entry, and export structured books for your CA. It is bookkeeping software, not a POS, inventory, or ERP system.
Can I pay in PKR?
Yes. Pro pricing is shown in PKR for Pakistan and in USD for international customers. When you view plans from Pakistan, standard Pro pricing is PKR 9,500 per month, with launch discount pricing available for the first 125 Pro subscribers. See the pricing page for current PKR amounts and plan limits.
Can I use Urdu or Roman Urdu?
Yes. You can send transactions in Urdu, English, Roman Urdu, and Hinglish — the languages many Pakistani operators already use on WhatsApp. Accountio also supports 12+ input languages for messages and voice notes. The website and app interface are primarily in English and Roman Urdu; this is input-language support, not full UI localization in every language.
Does Accountio file taxes or FBR returns?
No. Accountio is a conversational bookkeeping assistant designed to help you record and organize business transactions. It does not file tax returns, submit FBR returns, or provide GST filing services. You are responsible for reviewing entries and consulting qualified professionals for tax and regulatory decisions.
Can my chartered accountant use the exports?
Yes. When your CA asks, export structured books in Excel, Tally, or PDF format. Accountio helps you hand off records with source context attached — it does not replace your accountant's professional judgment or act as a licensed accounting firm.
Is there a free plan?
Yes. Personal is free forever. It includes WhatsApp chat, 120 transactions per month, weekly summary and reporting, OCR free for a 7-day trial, single-user access, 50 general queries per month, and 2 PDF statements per month. Compare Personal and Pro limits on the pricing page.
Is Accountio a replacement for Tally?
No. Accountio is a bookkeeping assistant for capturing transactions conversationally and exporting structured records. You can export in Tally format for your CA to review, but Accountio does not replace Tally as accounting software, does not migrate your Tally company, and does not offer live Tally synchronization.
Where is Accountio based?
Accountio is operated by Accountio AI (Private) Limited, a company registered in Pakistan. The team works from the National Incubation Center (NIC) Faisalabad on the University of Agriculture, Faisalabad campus. Accountio was founded in Faisalabad by M. Shahzad Arif and co-founded by M. Ahmad.
Start bookkeeping from the phone you already use
Personal is free for Pakistani small businesses. Open the app — no credit card required.