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AI accounting and GST software for small businesses

Your books, kept the munimji way.
Done by AI.

Kubertree makes GST invoices and e-way bills, reads your purchase bills with AI and suggests entries for your accountant to approve, matches bank and UPI statements, reconciles GST and ITC, keeps simple stock, and shows who owes you and whom you owe.

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Somnath Marine ExportsVeraval · October

Rough book

  1. 64 sale bills - 12 export, 52 local
  2. 210 purchase bills, photos on phone
  3. 486 bank lines - HDFC, SBI, UPI
  4. GSTR-2B came - check the ITC
  5. Who owes us? Whom do we owe?
  6. Mehul bhai to check and approve
Month close · October 2026Open
Invoices64 issued · 12 export under LUT, 52 domesticE-invoice + e-way bill done
AI Bookkeeper210 bills read · 198 matched to suppliers and ledgers12 need a check
Bank Match486 bank lines · 471 matched automatically15 for review
GST DeskGSTR-2B reconciled · ₹1.84 L ITC claimable3 suppliers not filed
Money ViewReceivable ₹38.6 L · Payable ₹22.1 L₹6.2 L overdue 60+ days
Accountant Mehul approved. GSTR-1 and GSTR-3B ready to file · 9 Nov
₹38.6 Lreceivables
₹6.2 Loverdue 60+ days
₹22.1 Lpayables
₹1.84 LITC claimable

Books kept for
  • Traders and wholesalers
  • Retail shops
  • Seafood exporters
  • Small manufacturers
  • Service businesses
  • Accountants and CAs

Seven pages, one ledger

Every page of the bahi, now a screen that does the work.

Billing, bills, bank, GST, stock, money and your CA. Each page fills the next, so an invoice made on the 3rd is in your GSTR-1, your stock and your receivables the moment it is saved.

Page 01

Invoices

Bills that are right the first time, on phone or computer.

GST invoices, e-invoices, e-way bills, quotations and credit notes, on phone or computer.

  • IRN and signed QR code from the e-invoice portal in one click
  • E-way bill made from the invoice, with vehicle number and distance
  • Export invoices under LUT in USD, EUR or AED at the day's rate
  • Quotation to sales order to invoice without typing twice
Open Invoices
Tax invoiceExportDomesticNotesSomnath Marine Exports · Oct 2026

Invoice no.

KT/EXP/26-27/0412

Bill to

Gulf Ocean Foods LLC, Dubai

Date

28 Oct 2026

ItemHSNQty kgRateAmount
Frozen ribbonfish, whole0303 8912,000$2.15$25,800.00
Frozen squid tubes0307 434,500$3.40$15,300.00
Supply under LUT · IGST 0% · Port INVRL1$41,100.00
IRN generated E-way bill 3410 2219 8871₹34,46,235 at ₹83.85
Page 02

AI Bookkeeper

Photograph the bill. The entry waits for your accountant.

Photograph or forward bills. AI reads them and suggests ledger entries for the accountant to approve.

  • Reads printed and handwritten bills, PDFs and phone photos
  • Learns which ledger you use for each supplier
  • Flags missing GSTINs and possible duplicates instead of guessing
  • Your accountant approves one by one or in bulk
Open AI Bookkeeper
AI BookkeeperReady 198Needs a check 12Somnath Marine Exports · Oct 2026

Read from bill 1192

Supplier
Gir Ice & Cold Storage
GSTIN
24AAKFG4721M1ZQ
Taxable
₹42,500.00
CGST 9%
₹3,825.00
SGST 9%
₹3,825.00

Suggested entry

Dr Cold storage charges42,500.00Dr Input CGST3,825.00Dr Input SGST3,825.00Cr Gir Ice & Cold Storage50,150.00
ApproveEdit
Bill 1187 looks like a duplicate of one entered on 3 Oct. Held for Mehul to check.
Page 03

Bank Match

Every bank line, matched to its entry.

Bank and UPI statements matched to entries automatically, with the rest kept for review.

  • Statements from Indian banks in PDF, Excel or CSV
  • UPI IDs and narrations read to find the party
  • Part payments and one payment against many invoices
  • Bank reconciliation statement ready for the month
Open Bank Match
Bank MatchHDFC currentSBI CCUPISomnath Marine Exports · Oct 2026
471of 486 lines matched
15 for review
UPI/CR/429817/patelfish@okhdfc+1,24,000.00Receipt · Patel Fish Traders · INV 0398
NEFT/DR/GIR ICE AND COLD-50,150.00Payment · Gir Ice & Cold Storage · bill 1192
RTGS/CR/GULF OCEAN FOODS+34,46,235.00Receipt · KT/EXP/26-27/0412
CHRGS/SMS ALERT Q3-118.00Suggested: Bank charges
UPI/DR/889120/9824xxxx41@ybl-6,400.00Closest: Diesel, Jay Ambe Fuels
Page 04

GST Desk

GST returns prepared from your books, checked against 2B.

GSTR-1 and 3B preparation, 2B reconciliation, ITC tracking and suppliers who haven't filed.

  • GSTR-1 builds itself as invoices are saved
  • Every purchase bill compared with GSTR-2B
  • ITC claimable, at risk and blocked, month by month
  • Your accountant or CA approves before anything is filed
Open GST Desk
GST DeskGSTR-2BGSTR-1GSTR-3BSomnath Marine Exports · Oct 2026
ITC claimable₹1.84 L212 bills matched with 2B
ITC at risk₹23,4103 suppliers not filed
Blocked₹2,860Sec 17(5) items
Supplier not filedGSTINITC
Saurashtra Packaging24ABZPS7712K1Z3₹14,220 Remind
Jay Ambe Fuels24AEHPJ3304D1ZK₹6,930 Remind
Veraval Net House24AAJFV9021Q1Z8₹2,260 Remind
GSTR-1 ready · due 11 Nov GSTR-3B ready · due 20 Nov
Page 05

Stock Book

Stock that moves when the bill does.

Simple inventory linked to purchases and sales, so the stock register keeps itself.

  • Kilos, cartons and pieces, with conversions between them
  • Stock by godown or cold store
  • Batches, lots and expiry where you need them
  • Reorder alerts before you run out
Open Stock Book
Stock BookCold store 1Cold store 2AllSomnath Marine Exports · Oct 2026
ItemUnitInOutOn hand
Frozen ribbonfishkg9,20013,4008,400
Frozen squid tubeskg3,1004,8003,400
Master carton 10 kgpcs2,4001,950450
IQF prawns 40/60kg1,250600650
Master cartons below 600Stock value ₹71.2 L · weighted average
Page 06

Money View

Who owes you, whom you owe, and what's left in the bank.

Receivables, payables, cash flow and payment reminders on one screen for the owner.

  • Receivables sorted by age, oldest first
  • Payables by due date, so nothing is paid late or early
  • Cash for the next 4, 8 and 13 weeks
  • Reminders with the invoice and a payment link
Open Money View
Money ViewReceivablesPayablesCash flowSomnath Marine Exports · Oct 2026
Receivables₹38.6 L
Payables₹22.1 L
Overdue 60+ days₹6.2 L
0-30 · ₹21.4 L31-60 · ₹11.0 L60+

Cash for the next 6 weeks

Reminders sent to 6 partiesWeek 4: GST and salaries due
Page 07

CA Connect

Your CA works in the same books, not a copy sent on email.

Your CA gets their own access, with notes, approvals and year-end files.

  • Separate logins for CA partners, articles and your accountant
  • Questions and answers written on the entry itself
  • Approvals for entries, bank matches and returns
  • Trial balance, P&L and balance sheet ready for audit
Open CA Connect
CA ConnectNotesApprovalsYear-endShah & Joshi, Chartered Accountants
Somnath Marine Exports Oct approved
Prabhas Agro Traders7 entries to approve
Bhalka Steel WorksGSTR-3B draft ready

Mehul, accountant Bill 1187 was a duplicate. Removed, original kept.

CA Riya Shah Book export freight under Freight outward, not Purchases.

Trial balance P&L and balance sheet

The GST month

From the first bill to GSTR-3B, the month runs on a calendar.

Kubertree works to the same dates you already know. Here is a monthly filer's month, the way it closes in Kubertree.

  1. 1-30Every day

    Bills and invoices

    Invoices are made, purchase bills photographed, bank lines come in. The AI Bookkeeper reads bills as they arrive.

  2. 1-5Next month

    Bank Match and review

    Last month's bank lines are matched. Your accountant clears the few left for review and approves the AI entries.

  3. 9Next month

    Books approved

    The month is checked and approved. GSTR-1 is ready, with B2B, B2C, export and HSN summary in place.

  4. 11Due date

    GSTR-1 filed

    You or your CA file GSTR-1 on the portal with the prepared JSON. GST Desk marks it filed.

  5. 14GSTR-2B

    ITC reconciled

    GSTR-2B is pulled and matched with purchases. Suppliers who have not filed are listed with the ITC at risk.

  6. 20Due date

    GSTR-3B filed

    Tax, eligible credit and cash to pay are worked out. Approved, paid and filed, and the month is closed.

The munimji's rules

The AI does the reading. People keep the say.

A good munim never signs for the owner. Kubertree follows the same rules on every page, and they are not settings you can switch off.

1

AI suggests. Your accountant approves.

Nothing is posted or filed until the business’s accountant or CA approves it.

2

Unclear bills are flagged, never guessed.

A missing GSTIN, totals that do not add up or a possible duplicate goes to Needs a check with the reason.

3

We prepare. You and your CA decide.

Kubertree prepares GSTR-1 and GSTR-3B. Filing and tax decisions stay with the business and its CA.

4

Your books stay yours.

Financial data is encrypted, backed up daily and never sold. Export everything whenever you want.

Made for the trade

The same ledger, set up for how your business runs.

Traders and wholesalers

Hundreds of invoices a month, credit parties, part payments and supplier ITC to chase. Money View and Bank Match carry most of the load.

Retail shops

B2C invoices, UPI collections from the counter and a simple stock register that follows every sale.

Seafood and food exporters

Export invoices under LUT in USD, shipping bill details, cold store stock by lot and refund tracking in GST Desk.

Small manufacturers

Raw material in, finished goods out, job work sent and received, with ITC-04 data and e-way bills for every dispatch.

Service businesses

SAC-coded invoices, recurring billing and receivables by age, without switching on stock at all.

Accountants and CAs

Every client in one firm desk, approvals and notes on entries, GST drafts ready to review and year-end files on export.

Moving across

Bring your old books. Keep your old habits where they work.

Your ledgers, parties and items keep the names you gave them. Your accountant sees familiar groups and vouchers, and your CA can still take a Tally-compatible export.

Ask about moving from Tally

  1. Export from Tally or Excel

    Masters, opening balances, items and the current year's vouchers.

  2. Check the import

    Trial balance in Kubertree is compared with the one you brought, line by line.

  3. Start the new month

    Make invoices, photograph bills and upload the bank statement on day one.

Questions

What owners and accountants ask first

Anything else, write to us from the contact page.

01Does AI file our returns?

No. The AI reads bills and suggests entries. Kubertree prepares GSTR-1 and GSTR-3B. Your accountant or CA reviews, approves and files.

02Can we import from Tally?

Yes. Masters, opening balances, ledgers, items and vouchers come in from a Tally export. Excel imports work for parties, items and opening stock.

03Does it handle exports?

Yes. Export invoices under LUT or with IGST paid, in foreign currency, with port code and shipping bill details, and refund tracking in GST Desk.

04Is our data safe?

Your data is encrypted in transit and at rest, backed up daily and never sold. Access is by role, and every change is recorded with name and time.

05How long does setup take?

Most businesses make their first invoice the same day. Bringing in past years from Tally usually takes a day or two, and the import is checked with you before you start.

New bahi · page 1

Open a new book. The first 30 days are on us.

Every Diwali the old bahi is closed and a new one is opened with the firm's name on the first line. Write yours below and your books start today.

Full access for 30 days. No card. Import from Tally or Excel on day one.