Pay less GST in cash, legally
The Cash-vs-Credit Optimizer computes the legal order to set off your input tax credit against liability — IGST against CGST/SGST per §49/49A/49B and Rule 88A — to minimise the cash you actually pay, and shows the saving versus a naive set-off.
The order you utilise credit in changes how much cash leaves your account. This picks the cheapest legal order.
Legal, cash-minimising order
Set-off follows §49/49A/49B and Rule 88A to reduce the cash component of your liability.
Per-head cash payable
See exactly what’s payable in cash per tax head after optimal credit utilisation.
Quantified saving
The saving versus a naive set-off is shown in rupees.
What’s included
- Electronic cash & credit position
- Optimal IGST→CGST/SGST set-off
- §49/49A/49B + Rule 88A
- Cash payable per head
- Saving vs naive set-off
- Deterministic & offline
Frequently asked
Is this just a calculator?
It applies the statutory set-off rules to your actual ledger position to minimise cash outflow — and shows the saving.
Is the saving real?
Yes, where the set-off order matters; it’s computed against a naive utilisation, and only legal orders are used.