Accounting designed for freelancers, consultants and independent professionals. Section 44ADA / 44AD presumptive handling, GST threshold tracking, advance-tax reminders, 194J TDS credits reconciled, simple invoicing and expense tracking. From ₹799/month.
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OnGravy pre-computes taxable income for the ITR-4 boxes under 44ADA or 44AD while keeping a full ledger running quietly. If you stay eligible you file presumptively; if you cross a ceiling you already have the books. Confirm your 44AD / 44ADA eligibility with your CA.
Running turnover is tracked against the ₹20 lakh GST services threshold and flagged as you approach it, and advance-tax liability is estimated from your income with reminders ahead of each instalment — so registration and 234B / 234C interest are decisions, not accidents.
Raise a clean invoice, send it over WhatsApp with a payment link, and OnGravy auto-reconciles when the client pays. The 194J TDS your clients deduct is pulled from your AIS and matched to your receipts, so you claim the full credit instead of leaving it on the table.
Section 44ADA lets eligible professionals declare 50% of gross receipts as profit; Section 44AD covers eligible small businesses at a presumed rate. OnGravy keeps a running ledger and pre-computes taxable income for the ITR-4 (Sugam) boxes. Confirm your 44AD / 44ADA eligibility with your CA — the schemes have specific conditions.
GST registration for a service provider is broadly mandatory once aggregate turnover crosses ₹20 lakh (lower in some special-category states). OnGravy tracks your running turnover and flags as you approach the threshold, so registration is a decision you make on time rather than discover late.
If your tax liability crosses the threshold, advance tax is due in instalments across the year. OnGravy estimates the liability from your recorded income and reminds you ahead of each due date, so interest under 234B / 234C is not a year-end surprise.
Clients deducting TDS on professional fees under Section 194J file quarterly, and the deduction shows on your 26AS / AIS. OnGravy pulls these and matches them against your recorded receipts, surfacing mismatches so you can claim every rupee of credit and chase a deductor who has not filed.
Raise a clean professional invoice in seconds, with GST applied correctly once you are registered. Send it over WhatsApp with a payment link, and OnGravy auto-reconciles when the client pays — no chasing "did the transfer come through" separately.
Log business expenses — software, travel, equipment, home-office share — with attachments, so if you ever fall out of presumptive taxation you already have the books. Even under 44ADA, a clean expense record is worth keeping.
Connect or import your bank statement and OnGravy matches receipts and payments against your ledger, so income and expenses are captured from the account of record rather than reconstructed from memory at filing time.
Citation-backed answers on 44ADA vs 44AD, the GST services threshold, advance-tax instalments, 194J credit and deductions available to independent professionals — without scrolling through Income-tax Act sections and circulars.
8% off on annual billing (effectively 1 month free). No setup fee, no card to start. See all plans.
Section 44ADA is a presumptive scheme for eligible professionals (declaring a presumed 50% of gross receipts as profit), while Section 44AD is a presumptive scheme for eligible small businesses at a lower presumed rate. Which one applies depends on the nature of your work and other conditions, and both carry turnover ceilings and eligibility rules. OnGravy handles the books either way, but confirm your exact 44AD / 44ADA eligibility with your CA before you rely on a scheme.
For a service provider, GST registration is broadly mandatory once aggregate turnover crosses ₹20 lakh in a financial year (the threshold is lower in some special-category states, and inter-state or specific supplies can trigger it earlier). OnGravy tracks your running turnover and flags you as you approach the limit, so you register on time rather than discover the crossing after the fact.
Clients deducting TDS on professional fees under Section 194J file their returns quarterly, and the deduction appears on your 26AS / AIS. OnGravy pulls these and matches them against the receipts you recorded, surfacing any mismatch as a "TDS unreconciled" item so you can claim the full credit against your tax and chase a deductor who has filed late or wrong.
If your total tax liability for the year crosses the prescribed threshold, advance tax is payable in instalments through the year rather than in one lump at filing, and shortfalls attract interest under sections 234B / 234C. OnGravy estimates your liability from recorded income and reminds you ahead of each instalment due date so the payments are planned, not scrambled.
Under 44ADA / 44AD you are not required to maintain full books in the usual way, but keeping a clean expense and bank record is still worth it: it protects you if you later cross a turnover ceiling and fall out of the scheme, and it makes any future switch to regular assessment painless. OnGravy keeps that ledger running quietly in the background whether or not you file presumptively.
Business Owner ₹799/month covers an independent professional or consultant — full books, GST, 44ADA / 44AD presumptive handling, 194J TDS / AIS reconciliation, advance-tax reminders, simple invoicing, expense tracking, bank reconciliation, unlimited invoices. If you also keep books for other businesses, Tax Practitioner ₹1,999/month includes 3 client businesses (then +₹299/mo per additional active client) and Individual CA ₹3,499/month includes 5 (then +₹299/mo each). There is no free tier. No setup fee, cancel monthly. See all plans at ongravy.com/pricing.
No card to sign up. WhatsApp OTP login. Sample data preloaded so the screens never look empty. Raise an invoice, log an expense and see your 44ADA position before you decide.