Founder Dashboard
Net position, cash per business, receivables, payables, EMIs and alerts on one screen.
Home · every login
Your AI Munshi for every firm you run
One app for the founder who runs five businesses and one bank account.
MunshAI keeps personal and business money, udhaar, EMIs, staff cash and bank statements in one set of books. Add a transaction from WhatsApp in 12 seconds, see every business side by side, and hand your CA a ready pack on the 1st.
₹999/month after trial · unlimited team members · cancel any time · 14-day refund
Made for Indian books: ₹, GST view, FY April to March
Servers in Mumbai
Export everything, any time
Founder view · all businessesToday
Net position (cash + owed to you − owed by you − loans)
₹0
Example numbers · across 4 businesses + personal
Swift Couriers₹0
Glow Auto Studio₹0
Meera Jewels₹0
Zen Interiors₹0
Personal₹0
Owed to you₹0
You owe₹0
EMIs next 30 days₹0
Who paid for whom: Meera Jewels owes Swift ₹18,000Runway: all businesses > 6 months
Who it's for
Built for the founder who is also the accountant, the collector and the cashier.
Courier counters, studios, boutiques, franchises, trading firms: if your money moves through UPI, cash and udhaar across more than one business, this is for you.
Courier · 2 branches
Boutique · exhibitions
Studio · franchise
The problem
Your books live in six places. Your money lives in one account.
Every app on the market is built per company (Zoho, Tally) or per shop (Khatabook, Vyapar). A founder with three firms, a personal card and one UPI ends up stitching it all together in their head at 11 PM.
WhatsApp chats with staff
Excel on the laptop
Tally at the CA's office
Khata app per shop
Bank PDFs in email
EMIs in your memory
"Sharma ji ka kitna baaki hai?"
One MunshAI workspace
- All your businesses + personal, under one login
- Staff and family enter; only you see the full picture
- Bank statements, WhatsApp, voice and screenshots all land in the same ledger
- CA gets a clean monthly pack, not a shoebox
The munshi, upgraded
The bahi-khata never left. It just moved to WhatsApp.
Every trading house had a munshi who knew every party's balance by heart and told the owner the truth every evening. MunshAI keeps that discipline: one line per transaction, Dr and Cr, a running balance per party, a day-close with the cash counted. The difference is that the entry now takes twelve seconds and the evening report arrives on your phone.
Features
Everything a good munshi did, done in seconds, for every firm at once.
Pick a job below. Each panel shows what MunshAI does and how it looks inside the app.
Add entries without opening a ledger
Most books go stale because entry is slow. MunshAI takes whatever you already have: a bank SMS, a screenshot, a voice note in Hinglish, or the bank's own PDF.
- WhatsApp inboxForward a UPI SMS or a payment screenshot. MunshAI drafts the entry and asks one question: which business?
- Hindi / Hinglish voice entry"Swift se Sharma ji ko das hazaar diye" becomes a ₹10,000 expense against Sharma ji's ledger.
- Bank statement importDrop the HDFC or ICICI PDF or CSV. Rows are parsed, auto-categorised and reconciled against what you already entered, so nothing is doubled.
- Recurring entriesRent, salaries, subscriptions and EMIs post themselves on the day.
Try it: type like you'd message your munshi
You · WhatsApp
Swift se Sharma ji ko das hazaar diye diesel ke liye
BusinessSwift Couriers
TypeExpense (paid)
Amount₹10,000
PartySharma ji
ModeCash
CategoryFuel
Draft ready. Munshi asks: "Diesel for which vehicle?" (optional)
Saved to Swift ledger
See every business side by side, and who is feeding whom
The dashboard is a founder view, not a company view. Net position, cash per business, receivables, payables and EMIs are on one screen the moment you log in.
- P&L and cash flow per businessMonthly, quarterly, financial year. Switch entity in one tap or view all together.
- Who paid for whomBooked an expense to Meera Jewels but paid from the Swift account? MunshAI records "Meera Jewels owes Swift" automatically, so each P&L stays true.
- Cross-subsidy mapMonth by month, which business funded which. Founders are often surprised.
- Runway warningA red bar appears when any business has less than two months of cash at its current burn.
September · P&L by business (example)
| Business | Income | Expense | Profit | Runway |
|---|---|---|---|---|
| Swift Couriers | 8,42,000 | 6,91,500 | 1,50,500 | 9 mo |
| Glow Auto Studio | 5,16,000 | 3,88,200 | 1,27,800 | 7 mo |
| Meera Jewels | 2,74,000 | 3,02,400 | −28,400 | 1.6 mo |
| Zen Interiors | 1,98,000 | 1,41,000 | 57,000 | 12 mo |
| All businesses | 18,30,000 | 15,23,100 | 3,06,900 |
Who paid for whom this monthMeera Jewels → Swift ₹18,000
Udhaar that collects itself
Every party has one ledger across all your businesses. Instead of "kitna baaki hai" calls, the party gets a link and confirms the balance themselves.
- Party statement linkShare on WhatsApp. The party sees their Dr/Cr statement, taps Confirm or Dispute, and it shows on your ledger.
- Receivables & payables with ageing0–30, 31–60, 60+ days. One-tap WhatsApp reminder with the exact amount and due date.
- Missed-money detector"Franchise royalty ₹25,000 by the 5th." If it doesn't arrive, MunshAI flags it and drafts the reminder.
- Invoices with public links and PDFSend an invoice on WhatsApp; the client opens it without logging in.
Sharma ji · statement link (what the party sees)
| Date | Particulars | Dr | Cr | Balance |
|---|---|---|---|---|
| 02 Sep | Diesel · Swift | 10,000 | 10,000 Dr | |
| 09 Sep | Paid · UPI | 6,000 | 4,000 Dr | |
| 17 Sep | Diesel · Swift | 8,500 | 12,500 Dr | |
| Closing balance | 12,500 Dr |
Party actionConfirmed balance · 18 Sep
Expected: royalty ₹25,000 by 5thNot received
Every EMI, every card cycle, every friendly loan
Business apps treat loans as a generic liability. MunshAI tracks the real schedule across all entities and answers the question you actually ask.
- "Can I afford this?"Enter a new loan, a known EMI or a cash purchase. MunshAI checks it against your real free monthly cash across all businesses and answers Yes, Tight or No, with the reason.
- EMI cockpit30/60/90-day outflow calendar, interest-only and reducing-balance loans, prepayment simulator.
- Card float calendarStatement and due dates per card. "Pay this supplier with card B today, 47 days free."
- Friendly loansMoney lent to or borrowed from friends and family, tracked with the same care as a bank loan.
Can I afford this? (example)
New van loan₹5,00,000 · 11% · 36 mo
EMI₹16,369 / month
Your free cash (3-month avg, all businesses)₹78,400 / month
Free cash after EMI₹62,031 / month
Yes, comfortably.EMI uses 21% of free cash. Total EMIs next 30 days become ₹1,12,769. Cash in hand after down payment: ₹8,66,700.
Best card for today's ₹40,000 supplier paymentHDFC ··4412 · 47 days free
Staff and family enter. Only you see the whole picture.
Real roles, not "everyone is admin". Branch staff see only their branch. Private transactions are invisible to everyone except the owner.
- 8 roles with per-entity overridesOwner, Co-owner, Admin, Accountant/CA, Manager, Staff, Auditor, Viewer.
- Private flagMark any transaction private. Even Admin can't see it. Only Owner and Auditor can.
- Branch daily bookSales, expenses, cash box vs company account vs employee account, and a day-close with cash reconciliation and lock. Works for courier counters, studios and exhibition stalls.
- Cash countExpected cash (from the books) vs counted cash, every day, per branch. Leakage shows up the same evening.
Who sees what (example org)
PersonSeesPrivate
You (Owner)All 4 businessesYes
CA (Accountant)All, read + exportNo
Hisar counter (Staff)Hisar branch onlyNo
Studio managerGlow Auto StudioNo
Hisar branch · day close 23 SepExpected ₹14,300 · Counted ₹14,200 Short ₹100
Studio · day close 23 SepMatched Locked
An AI CFO that reads your books, not just your questions
Ask in plain language. MunshAI answers from your actual numbers and sends a 9 PM summary to WhatsApp, because founders read WhatsApp, not dashboards.
- CFO chat"Why was Meera Jewels negative in September?" "What if I prepay the van loan by ₹2 lakh?"
- 9 PM digestToday's in/out per business, cash in hand, who paid, who is due tomorrow, EMIs this week, cash count mismatches.
- OptimizeIdle cash, card float, and loans worth prepaying, surfaced without asking.
- Privacy by designThe AI receives computed summaries, never your raw transaction list.
9 PM digest · WhatsApp (example)
MunshAI · Tue 23 Sep
In ₹1,84,300 · Out ₹1,21,900 · Net +₹62,400
Swift +38,200 · Glow Auto +21,500 · Meera Jewels −4,300 · Zen Interiors +7,000
Cash in hand ₹2,14,600 (Hisar short ₹100)
Paid you: Verma ji ₹25,000 · Priya ₹4,500
Due tomorrow: Sharma ji ₹12,500 · DTDC bill ₹8,000
EMIs this week: Van ₹16,369 (Fri)
Not received yet: Franchise royalty ₹25,000 (due 5th)
Your books are yours. Your CA gets a pack, not a shoebox.
Nothing is locked in. One click produces what your CA needs for the month, and the full dataset is always exportable.
- Monthly CA pack (Excel)Summary, P&L by business, GST view estimate, transactions, parties, accounts, loans.
- Tally import XMLReceipt, payment and contra vouchers, ready for the CA's Tally.
- Full data exportEvery table as JSON or CSV, any time, by the owner. Every export is logged in the audit trail.
- Audit log & trashEvery edit and delete is recorded; deleted entries can be restored.
Exports · September 2026
CA pack · Excel (7 sheets)Download
Tally XML · 412 vouchersDownload
Full export · JSON, all tablesDownload
Last export logged23 Sep · 21:04 · Owner
Products
Nine modules, one subscription.
All modules are included in every plan. Use the ones your businesses need today; the rest are waiting.
Inbox
WhatsApp, SMS, screenshot and Hinglish voice capture. Approve and it's booked.
Activity · InboxParty Ledger
One ledger per party across firms, statement links, reminders, invoices with public PDF links.
Money · PartiesLoans & EMI
Bank, interest-only and friendly loans. Affordability check, prepayment simulator, card float calendar.
Money · Loans, OptimizeBranch Daily Book
Per-location sales, expenses, cash box, employee settlements, day-close with cash count and lock.
Setup · BranchesAI CFO & Digest
Ask questions in plain language, get the 9 PM WhatsApp summary, see missed income and runway alerts.
Insights · CFO, DigestExports & CA Pack
Monthly Excel pack, Tally XML, full JSON export, audit log. Nothing is locked in.
Setup · ExportsBank Import
HDFC and ICICI PDF/CSV parsed with reconciliation against existing entries. No feed that silently stops.
Activity · ImportMobile PWA
Install on your phone. Pages paint instantly from the last data and refresh in the background.
Add to home screen
Time & money saved
Move the sliders. This is your month.
Estimates based on how founders on MunshAI actually enter, reconcile and chase money, compared with Excel + WhatsApp + a khata app. Assumptions are listed below the results.
Hours you get back per month
0
of 0 hours spent today
Net saving per year, after MunshAI's fee
₹0
time value + bookkeeping help, minus ₹11,988
Today8 h/wk
MunshAI1.6 h/wk
Entry time per transaction90s → 12s~ 0 h saved / month
Days to close the month10 → 1CA pack ready on the 1st, all businesses
Wrong or missing entries caught0per month, via bank reconciliation
"Kitna baaki hai?" calls avoided0per month, parties confirm via link
Month-end consolidation0 h → 0 hacross all your businesses
Cost of MunshAI₹999/mopays for itself in the first week
How these are calculated
Manual entry averages 90 seconds per transaction (find the SMS, open the sheet, type, categorise); MunshAI's inbox, voice entry and bank import average 12 seconds including approval. Month-end consolidation is taken as 4 hours per business by hand versus 15 minutes with the CA pack. Balance calls: about 1 in every 12 credit transactions triggers a "what's my balance" exchange of roughly 10 minutes; statement links remove most of these. Errors caught: roughly 1.7% of manually entered rows are wrong or missing and surface only at reconciliation. Bookkeeping help is assumed to drop by half (you still need your CA). Hours saved are capped at what you spend today. Rounded; your numbers will vary.
Easier · Faster · Accurate
What changes on day one
Easier
Adding an entryOpen laptop, find sheet→Forward the SMS
Staff entriesWhatsApp photos of a register→Branch daily book
Party balancePhone call, argue→Link, they confirm
Loan decisionsGut feel→Yes / Tight / No
Faster
Per transaction90 sec→12 sec
Bank statementHalf a day per month→Drop the PDF
Month close10 days after→Same day
CA hand-offShoebox + calls→One Excel pack
Accurate
Double entriesFound at year end→Reconciled on import
Cash leakageNoticed months later→Same evening
Cross-business billsWrong P&L→Auto "owes" entry
Missed incomeForgotten→Flagged on the 6th
Compare
Per-founder, not per-company or per-shop.
Most tools are excellent at one thing. None of them were built for a person who owns several.
| What you need | MunshAI | Khata apps | Vyapar / myBillBook | Zoho Books | Tally |
|---|---|---|---|---|---|
| Many businesses under one login, one price | Yes, unlimited | Separate books, no total | Limited firms | Paid per organisation | Desktop, per licence |
| Personal + business money together | Yes | No | No | No | No |
| Enter via WhatsApp, voice, screenshot | Yes | Reminders only | Share only | No | No |
| Indian bank PDF / CSV import with reconciliation | Yes (HDFC, ICICI, more coming) | No | Manual Excel | Feeds, often flaky | Connected banking |
| Loans, EMIs, friendly loans, card float | Yes | No | Basic | As a liability | Manual |
| Roles + Private flag + branch-only staff | Yes, 8 roles | Basic | Few users | Per-user fee | Top tier |
| AI CFO on your real numbers, 9 PM digest | Yes | No | Minimal | Assistant | No |
| Full export any time (Excel, Tally XML, JSON) | Yes | Limited | Partial | Yes | Yes |
| Price for a founder with 4 firms | ₹999 / month | Free with ads, upsells | ₹3–7k / year each | ₹899+ per org / month | ₹22k+ once, plus renewals |
Based on public pricing pages and app-store listings, September 2026. Features and prices of other products change; check theirs before deciding.
Pricing
One plan. Every business. Everyone on your team.
No "which plan do I need" question. One workspace covers all your businesses and unlimited invited members. Prices include GST.
7-day free trial
₹999per month, per workspace
That's ₹33 a day for all your businesses. Less than one balance-chasing phone call.
- Unlimited businesses and entities in one workspace
- Unlimited team members: staff, family, CA, auditor, at no extra cost
- All nine modules, including AI CFO, Inbox, Branch Daily Book and Exports
- Bank import, WhatsApp digest, party statement links, invoices with PDF
- Priority support on WhatsApp and email
UPI autopay or card set up at signup via Razorpay; you are not charged during the trial. Cancel in one tap. 14-day refund on your first payment. Billed by Trenx Digital.
What a founder with four firms typically pays today
Part-time munshi / data-entry help₹6,000–15,000 per month₹8,000
Khata app + billing app subscriptionsPer shop, per year, plus ads and upsells₹1,200
Extra CA charges for messy books"Bring everything, we'll sort it"₹2,500
Your own evenings8 hours a week at ₹800 an hour₹27,700
MunshAIEverything above, one login, unlimited members₹999
FAQ
Questions founders ask before switching
What does "munshi" mean, and why the name?
A munshi was the trusted accountant in an Indian trading house: the person who kept the bahi-khata, knew every party's balance and told the owner what was really going on. MunshAI is that role, done by software, for the founder who runs more than one business.
Can my staff or family see my personal transactions?
No. Mark anything Private and it is invisible to every role except Owner and Auditor. Even an Admin cannot see it. Branch staff see only their own branch's daily book; they never see totals for the business or the organisation.
Which banks can I import statements from?
HDFC and ICICI PDF and CSV statements are parsed today, with reconciliation against entries you already made so nothing is booked twice. Other banks' CSV exports work through the generic importer, and more exact-format parsers are added as customers ask.
Does this replace my CA?
No, and it isn't meant to. MunshAI keeps the books clean every day so your CA receives a ready pack on the 1st: Excel with P&L by business, a GST view estimate, and Tally XML vouchers. Filing, audit and tax advice stay with your CA. Many CAs prefer it because it removes the shoebox.
What happens to my data if I stop?
You can export every table as Excel, JSON or CSV at any time, before or after cancelling. Your books are yours. Exports are logged in your audit trail so you always know who took what.
Is my data safe?
Data is stored on servers in Mumbai, isolated per organisation, with role-based access enforced on the server, not just in the app. The AI CFO receives computed summaries, never your raw transaction list. Terms, privacy policy and refund policy are published at munshai.com/legal.
Do I need a card to start the trial?
Yes. You set up UPI autopay or a card through Razorpay at signup and pay nothing for 7 days. If you don't cancel, ₹999 is charged on day 8. If it isn't right for you, your first payment is refundable within 14 days.
How many businesses and users can I add?
As many as you run. One workspace, one ₹999, unlimited entities and unlimited invited members. There is no per-user or per-company charge.
Close this month on the 1st, for every business you run.
Set up takes about 20 minutes: add your businesses, invite your staff, drop in last month's bank statement. Your munshi takes it from there.