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.
What exactly is included in Intelligence · Set-off?
electronic cash & credit position, optimal IGST→CGST/SGST set-off, §49/49A/49B + Rule 88A, cash payable per head, saving vs naive set-off and deterministic & offline. Every item on that list is a working screen you can open in the trial rather than a capability described in the abstract.
How is intelligence · set-off handled differently here?
It rests on legal, cash-minimising order, per-head cash payable and quantified saving. The distinction that matters is that these are structural rather than cosmetic — the behaviour is built into how records are posted, not layered on as a report you have to remember to run.
Does Intelligence · Set-off work offline?
On the Desktop edition, yes — completely. electronic cash & credit position and optimal IGST→CGST/SGST set-off run against a local database on your own machine, so the screens behave the same with the network unplugged as with it connected. AI and billing are the only two things that reach out. On the Cloud edition intelligence · set-off runs in the browser and needs a connection.
Where does Intelligence · Set-off get its data from?
From your own posted books, not a separate register you maintain twice. legal, cash-minimising order is built from the invoices, masters and rates already entered, so there is nothing to re-key before filing and nothing that can quietly disagree with the ledger it was drawn from.
How does Intelligence · Set-off affect my GST?
It feeds it directly rather than sitting alongside it. CGST/SGST and IGST are split from HSN or SAC and place of supply as each document is raised, so whatever intelligence · set-off produces is already correct when GSTR-1, 3B and 2B reconciliation are drawn off the same books. The return matches the accounts because it was never a separate exercise.
Does Intelligence · Set-off cost extra?
No. Intelligence · Set-off is part of the accounting core rather than a paid add-on, so per-head cash payable is there on the entry tier exactly as it is on the highest one. What the tiers change is reach and depth — devices, multi-branch and multi-warehouse reporting, and whether the conversational AI copilots are switched on.
Can I try Intelligence · Set-off before committing?
Yes — 14 days, no card. Test intelligence · set-off against your own masters and your own transactions rather than sample data: the questions worth answering here are about your business's edge cases, and a demo dataset is built not to have any.
Is anything in Intelligence · Set-off generated by AI?
None of the figures. Everything legal, cash-minimising order produces is computed by tested engines and would be identical with the model switched off — what AI contributes is the sentence around a number and the routing that brings the right one to your attention. Nothing it writes posts to your books without your approval.