Kredily vs Zimyo: The Honest 2026 Comparison
Pricing, minimum billing, payroll 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 no minimum. Zimyo is a paid, module-rich HR platform starting at ₹80/user/month on Basic — but with a 50-user minimum billing floor, so the practical entry cost is around ₹4,000/month even for a 10-person team. Choose Kredily if you're under 50 employees or want a ₹0 starting point at any size; choose Zimyo if you're already past 50 people and want its unusually broad module catalogue — finance & admin, travel desk, budgeting and a deep performance suite.
How Kredily and Zimyo compare
Key differences, side by side. Verify current pricing on each vendor's website before making a decision.
| Kredily | Zimyo | |
|---|---|---|
| Free plan | ✅ Free forever, unlimited employees, ₹0/month | ❌ No free plan — 14-day trial only |
| Entry pricing | ₹0; Payroll OS ₹1,249/mo (up to 25 emp, then ₹50/emp) | Basic ₹80/user/mo; Standard ₹160/user/mo |
| Minimum billing | None | 50-user minimum on Basic and Standard (2,000 on Enterprise) |
| Real entry cost, 10-person team | ₹0/month | ≈₹4,000/month — you pay for 50 seats regardless |
| Payroll on the free tier | ✅ Included, unlimited employees | ❌ Paid plans only |
| Indian compliance (PF/ESI/PT/TDS) | ✅ Statutory calculations on the free plan | ✅ Payroll compliance included in Basic |
| Geo-tag / geo-fence attendance | Selfie & GPS attendance in Professional (₹1,749/mo) | ✅ Geotag and geofence included in Basic |
| Performance / OKRs | Core + growing | ✅ Deep — 9-box, bell curve, OKRs (Enterprise or ₹40/user add-on) |
| Module breadth | Payroll, HR, attendance, leave, expense + AI layer | ✅ Very broad — travel desk, vendor, petty cash, budgeting |
| Best for | Under 50 employees, or any size wanting a ₹0 start | 50+ employees needing a wide module catalogue |
Zimyo figures from zimyo.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 minimum billing. 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. Zimyo, as of August 2026, lists Basic at ₹80/user/month and Standard at ₹160/user/month — but both carry a 50-user minimum billing floor, and Enterprise a 2,000-user floor. The floor is the number that matters: a 15-person company still pays for 50 seats, so Basic costs about ₹4,000/month rather than ₹1,200. Several capabilities are also priced separately — Performance, Learn, Engage, Trip Management and Timesheet are ₹40/user/month add-ons, and the recruitment module is ₹4,000 per recruiter per month. Model the 12-month total at your real headcount, including add-ons. Always verify current pricing at zimyo.com and kredily.com/pricing.
An honest assessment
Zimyo's strengths are real
Zimyo's module catalogue is unusually broad for an Indian HR platform. Its Standard tier bundles finance and admin tooling most competitors don't offer at all — expense, travel desk, vendor management, petty cash, budgeting and manpower planning — plus onboarding, offboarding, helpdesk and asset management. Its performance suite is deep, with 9-box matrix, bell curve and compensation review alongside OKRs. It also includes geotag and geofence attendance in the entry Basic plan, where Kredily puts selfie/GPS attendance on Professional. If you're already above 50 employees and want one vendor covering HR, finance-admin and performance together, Zimyo is a credible choice — and this page won't pretend otherwise.
The Kredily advantage
No minimum billing
Kredily has no seat floor. Zimyo's 50-user minimum means a 12-person team pays for 50 — roughly ₹4,000/month before a single add-on.
Payroll free, unlimited employees
Payroll with PF, ESI, PT and TDS calculations at ₹0 for any headcount. Zimyo has no free plan — only a 14-day trial.
Fewer things priced separately
Zimyo prices Performance, Learn, Engage, Trip and Timesheet as ₹40/user/month add-ons each. Costs compound quickly at scale.
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're under 50 — or want to start at zero
- You have fewer than 50 employees and won't pay for 50 seats
- You want payroll + HRMS from day one at ₹0
- Indian statutory compliance is your core requirement
- You'd rather not assemble the plan from paid add-ons
- You're scaling from SMB toward 100–500 employees
You're past 50 and want maximum module breadth
- You're already above the 50-user billing floor
- You want travel desk, vendor, petty cash and budgeting in one place
- 9-box, bell curve and compensation review matter to you
- Geofenced attendance on the entry plan is a requirement
- You've modelled the annual cost including per-module add-ons
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 Zimyo.
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 Zimyo — questions answered
Does Zimyo have a minimum number of users?
Does Zimyo have a free plan?
Is Kredily really free?
Which has more modules?
Can I migrate from Zimyo to Kredily?
Explore Kredily
Start free. No 50-seat minimum.
Payroll for unlimited employees at ₹0. PF, ESI, PT & TDS calculated. No credit card needed.