Kredily vs sumHR: The Honest 2026 Comparison
Pricing, payroll, attendance and Indian compliance — compared fairly, so you can choose confidently.
Kredily has a free-forever plan covering payroll, HR, attendance, leave and Indian statutory calculations (PF, ESI, PT, TDS) for unlimited employees at ₹0 — with paid tiers from ₹1,249/month when you need salary payouts and challans. sumHR is a paid cloud HRMS starting at ₹49/user/month billed annually, with a one-time setup fee, and it bundles a Jupiter salary-account partnership plus a strong performance/OKR module on its Advanced tier. Choose Kredily if you want to start at zero cost at any headcount; choose sumHR if its performance suite, ATS or UAE payroll coverage are central to your decision.
How Kredily and sumHR compare
Key differences, side by side. Verify current pricing on each vendor's website before making a decision.
| Kredily | sumHR | |
|---|---|---|
| Free plan | ✅ Free forever, unlimited employees, ₹0/month | ❌ No free-forever plan |
| Entry pricing | ₹0; Payroll OS ₹1,249/mo (up to 25 emp, then ₹50/emp) | Startup ₹49/user/mo, Basic ₹69, Advanced ₹119 — billed annually |
| Setup fee | None | One-time setup fee, based on employee count |
| Minimum billing | None | No minimum commitment |
| Payroll on the free tier | ✅ Included, unlimited employees | ❌ Paid plans only |
| Indian compliance (PF/ESI/PT/TDS) | ✅ Statutory calculations on the free plan | ✅ PF, ESI and TDS included |
| GPS / geo-fenced attendance | Selfie & GPS attendance in Professional (₹1,749/mo) | Paid add-on at ₹25/user/mo |
| Performance / OKRs | Core + growing | ✅ 360° reviews, OKRs — a sumHR strength (Advanced) |
| Geographies | India-first payroll and compliance | ✅ India and UAE |
| Best for | Any team size wanting a ₹0 starting point | Teams budgeted for PEPM that want performance + ATS depth |
sumHR figures from sumhr.com, checked August 2026 — verify current pricing before deciding.
What does it actually cost?
Kredily starts at ₹0/month for unlimited employees — payroll, HR, attendance, leave and statutory calculations included, with no setup fee and no minimum. Paid tiers begin at ₹1,249/month for up to 25 employees (then ₹50/employee) when you need bank salary payouts, PF/ESI challans and Form 16. sumHR, as of August 2026, is paid from the first employee: ₹49/user/month on Startup, ₹69 on Basic and ₹119 on Advanced, all billed annually, plus a one-time setup fee based on headcount. At 50 employees that is roughly ₹2,450–₹5,950/month on sumHR before setup, against ₹0 on Kredily's free plan or ₹2,499/month on Payroll OS. Model the 12-month total at your own headcount — including setup and any add-ons such as sumHR's ₹25/user/month GPS clock-in. Always verify current pricing at sumhr.com and kredily.com/pricing.
An honest assessment
sumHR's strengths are real
sumHR's Advanced tier carries a well-built performance suite — 360° reviews, OKRs and goals — alongside helpdesks and an asset manager, and it offers a recruitment ATS as an add-on. Its Jupiter salary-account partnership gives employees on-demand salary access and a zero-forex debit card, which is a genuine differentiator if employee banking benefits matter to you. It also supports UAE payroll in addition to India — relevant if you run a Gulf entity. If those capabilities sit at the centre of your decision, sumHR is a credible choice, and this page will not pretend otherwise.
The Kredily advantage
Free for unlimited employees
₹0/month with no per-employee charge, no minimum and no credit card. sumHR is paid from your first employee, billed annually.
Payroll on the free plan
Payroll with PF, ESI, PT and TDS calculations is included at ₹0 for unlimited employees. On sumHR, payroll is a paid plan.
No setup fee
Start the same day at zero cost. sumHR charges a one-time setup fee sized to your employee count before you run your first cycle.
India-first compliance
Built for Indian payroll from the ground up — multi-state PT, LWF, PF ECR, challans, Form 16 and Form 24Q on the paid tiers.
Choose based on your situation
You want to start free and grow
- You want payroll + HRMS from day one at ₹0
- You'd rather not pay a setup fee to get started
- No per-employee cost until you need payouts and challans
- Indian statutory compliance is your core requirement
- You're scaling from SMB toward 100–500 employees
You're budgeted for per-employee pricing
- 360° performance reviews and OKRs are a priority
- You want a recruitment ATS from the same vendor
- Employee banking perks (Jupiter salary accounts) matter
- You run a UAE entity alongside India
- You've modelled the annual cost including setup
Migration is simpler than you think
Most teams switch in a weekend. Here's how.
Export your data
Download employee records, salary structures and historical payslips from sumHR.
Import to Kredily
Magic Upload reads your spreadsheet and auto-maps employees, salary heads and statutory configurations.
Map leave & attendance policies
Recreate your leave types, accrual rules and attendance policies — the setup wizard guides you through it.
Run parallel, then go live
Run one parallel payroll cycle for confidence, then cut over. Our team supports you through it.
The AI layer you get with Kredily
Whichever way the feature tables lean, this is the layer Kredily is building on top of payroll and HR. See pricing for plan availability.
Payroll Agent
The AI Payroll Agent runs the monthly cycle — salaries, LOP, arrears and statutory checks — and hands you a reviewed run to approve.
AI Copilot, 110+ skills
AI Copilot answers and acts across 110+ HR, payroll and leave skills in plain English — role-gated to each user’s permissions, with human approval on anything irreversible.
Workforce Intelligence
Workforce Intelligence turns your HR and payroll data into explainable, early-warning insights — headcount, cost, attrition and flight risk, with the drivers behind each.
Kredily vs sumHR — questions answered
Does sumHR have a free plan?
Is Kredily really free?
Do both handle Indian statutory compliance?
What does GPS or geo-fenced attendance cost on each?
Can I migrate from sumHR to Kredily?
Explore Kredily
Start free. No setup fee.
Payroll for unlimited employees at ₹0. PF, ESI, PT & TDS calculated. No credit card needed.