In Pakistan in 2026, ERP and accounting software costs anywhere from free to over Rs 100,000 a month, but most small and medium businesses land in one of three bands: free tools (like FBR's own PRAL portal or Wave) that do not handle local compliance; local cloud ERP and accounting software at roughly Rs 2,000β7,000 a month; and international products (QuickBooks, Xero, SAP, NetSuite) priced in US dollars that work out far more expensive once converted. AmalERP's Basic plan is Rs 2,500 a month, billed annually. Prices below were re-checked in October 2026 and change often β confirm on each vendor's site before you buy.
What you actually pay for
Software pricing in this market is rarely a single number. Your real monthly cost is built from several parts, and the headline price usually only covers the first one:
- The base plan β the core accounting/invoicing, usually with a fixed number of users included.
- Per-user charges β most tools add a monthly fee for each extra user beyond the included ones.
- Per-branch charges β multi-location businesses often pay per additional branch or store.
- Add-on modules β POS, inventory, manufacturing, payroll, tax compliance and the like are frequently priced separately.
- FBR digital invoicing β commonly a paid add-on (or a separate integrator fee), not part of the base price.
- One-time and hidden costs β implementation or setup fees, a static IP from your ISP for FBR integration, staff training and hardware.
Price ranges by type of software (2026)
| Category | Typical monthly cost | FBR digital invoicing | Example products |
|---|---|---|---|
| Free tools | Rs 0 | None (except FBR's own free PRAL portal) | Wave, Zoho Books free tier, Udhaar Book, PRAL portal |
| Local cloud ERP / accounting | ~Rs 2,000β11,000/mo | Built in or a small add-on | AmalERP (Rs 2,500), PakERP (Rs 4,700 for 1 user), LedgerMax (Rs 6,600), Hisaab.pk (from Rs 35,000/yr) |
| International cloud accounting | ~US$20β115/mo (Rs ~6,000β35,000) | None native | Zoho Books, Xero, QuickBooks Online |
| International mid-market ERP | ~US$80β200+/user/mo | Partner add-on only | Dynamics 365 Business Central, SAP Business One |
| Enterprise cloud ERP | US$999+/mo base + per user | No productized path | Oracle NetSuite |
| FBR e-invoicing point tools | Free up to ~Rs 3,500β30,000/mo by volume | That is their whole job | PRAL portal, various integrator tools |
The pattern is clear: a local cloud ERP that already speaks FBR and SRB usually costs a fraction of an international tool (see AmalERP pricing for one example) that cannot file a compliant invoice at all. For a sales-tax-registered Pakistani SME, the dollar-priced global names are often both more expensive and less compliant.
What 5 users cost a month (October 2026)
Headline prices are hard to compare because some products charge per user and some do not. Here is what the same small team of five people would pay each month for the core product, billed annually where that is cheaper. Dollar prices are converted at about Rs 277 per US dollar, the interbank rate in early October 2026.
| Software | 5 users, per month | How it is priced | FBR digital invoicing |
|---|---|---|---|
| Hisaab.pk | About Rs 2,900 (from Rs 35,000 a year) | Unlimited users on every package | FBR integration available |
| AmalERP | Rs 5,500 | Basic plan with 2 users + 3 extra users; Rs 6,500 with the FBR & SRB module | Built in (tax module) |
| LedgerMax | Rs 6,600 | One plan, unlimited users | Not stated on its pricing page |
| PakERP | Rs 10,800 (Rs 9,180 paying annually) | Priced by number of users | Sales tax invoicing; no digital invoicing page |
| Odoo Standard | About Rs 12,400 (US$44.75) | US$8.95 per user, annual; US$7.25 in the first year | Third-party module |
| GluonERP SME | About Rs 13,850 (US$50) | US$10 per user, annual | FBR integration listed |
| QuickBooks Online Plus | About Rs 38,800 (US$140) | Up to 5 users, US list price | None |
| Dynamics 365 Business Central | About Rs 110,800 (US$400) | US$80 per user, annual | Partner add-on |
Two honest readings of that table. If you only need accounting and have many users, an unlimited-user plan such as Hisaab.pk's is hard to beat on price. If you need POS, inventory, manufacturing or WhatsApp invoicing in the same system, compare the full setup you would actually run, not the entry plan, because that is where the gaps between products open up. Implementation, training and FBR add-ons are on top of every figure above.
What AmalERP costs, in detail
As a concrete example of how build-your-own pricing works, here is AmalERP's structure. The Basic plan is Rs 2,500 a month (Rs 30,000 a year, billed annually) and includes 2 users and 1 branch with double-entry accounting, sales and purchase invoicing and core reports. You then add only the modules you need:
- POS & Offline Billing β Rs 1,500/mo; Multi-location Inventory β Rs 1,200/mo; Manufacturing β Rs 2,000/mo.
- WhatsApp Invoicing β Rs 2,500/mo; AI Studio & Assistant β Rs 2,500/mo; Business Intelligence β Rs 1,500/mo.
- Tax Compliance (FBR & SRB) β Rs 1,000/mo; Payroll & Salary β Rs 1,200/mo; Import & Landed Cost β Rs 1,200/mo.
- Extra users β Rs 1,000/mo each; extra branches β Rs 2,000/mo each.
So a small trader needing accounting plus FBR digital invoicing pays about Rs 3,500 a month (Basic + Tax Compliance); a retailer adding POS and inventory lands around Rs 6,200 a month. You pay for what you switch on, not a fixed enterprise bundle.
The hidden costs most buyers forget
Beyond the subscription, budget for the costs that do not appear on a pricing page β the ones that surprise small traders during FBR integration in particular:
- A static IP from your internet provider, often needed for FBR integration β roughly Rs 900 a month.
- Accountant or bookkeeper time to set up the chart of accounts and opening balances.
- Staff training on the new system, which is real time even when the software is easy.
- Hardware for POS β a barcode scanner, receipt printer or cash drawer if you are moving to a proper till.
Don't forget the 10% tax credit
Under Budget 2026-27, businesses can claim a tax credit worth 10% of their investment in FBR-integration software. In practice most small traders do not know it exists, so it is worth asking your tax advisor how it applies to your purchase β it directly reduces the real cost of getting compliant. This is general information, not tax advice; confirm current rules with FBR or your advisor.