Bukku vs Financio for e-Invoicing
Key takeaways
- Bukku starts free (a genuine free LHDN e-Invoice tier) with paid accounting from RM35/month; Financio starts at RM50/month and adds payroll alongside accounting.
- The decisive detail is volume: Financio publishes hard LHDN e-Invoice caps per plan (25/month on Essentials, up to 5,000 on Premier). Bukku offers unlimited users on every plan.
- Choose Bukku for the lowest cost and unlimited seats; choose Financio if you want integrated payroll and your e-Invoice volume fits its plan tiers.
- If you don't need accounting at all, a focused tool like MyInvois Bridge (RM49/month) handles LHDN submission without either suite.
Bukku and Financio are both cloud accounting suites aimed at Malaysian SMEs, and both include LHDN e-Invoicing. They diverge on two things a buyer actually feels: how much you pay to start, and how many e-Invoices you're allowed to send per month.
The short answer
Bukku is the cheaper, more flexible entry: a free e-Invoice tier, unlimited users on every plan, and paid accounting from RM35/month (plus 8% SST). Financio costs more at entry (RM50/month) but bundles payroll and is built around explicit e-Invoice volume tiers — which is an advantage if your volume is predictable and a constraint if it spikes.
Pricing and limits, side by side
| Bukku | Financio | MyInvois Bridge | |
|---|---|---|---|
| Entry plan | Seed | Accounting Essentials | Starter |
| Monthly price | Free / RM35/mo | RM50/mo | RM49/mo |
| What it is | Cloud accounting + free e-Invoice | Cloud accounting + payroll | LHDN e-Invoicing only |
| e-Invoice volume | Not capped by a per-plan number | 25/mo (Essentials) up to 5,000/mo (Premier) | 100/mo (Starter), higher tiers above |
| Users | Unlimited on every plan | Per-plan | 2 (Starter), more on higher tiers |
Bukku: where it wins
- You want LHDN e-Invoicing for free. Bukku's Launch tier is RM0/month and states it supports LHDN E-Invoice — we have no free tier and no plan to add one.
- You need actual accounting: Seed at RM35/month adds purchase tracking, bank feeds, 50+ financial reports, a fixed-asset register and single-location inventory.
- You have a team. Every Bukku plan includes unlimited users; our Starter includes 2.
- You want a longer look before committing — Bukku publishes a 30-day free trial of Elite, their top tier.
- You may qualify for the government subsidy of up to 50% or RM5,000 that Bukku publishes, or NGO and multi-company discounts.
- You want one system for books and compliance rather than two subscriptions.
Financio: where it wins
- You need real accounting: Financio keeps your books, and we do not.
- You want payroll from the same vendor — Financio publishes Payroll Essentials at RM75/month for up to 30 employees and Premier at RM135/month for up to 200.
- Your e-Invoice volume is high: Accounting Premier publishes 5,000 LHDN e-Invoices per month at RM85, well above our Pro plan's 2,000 at RM199.
- You want AI document scanning — 5 scans on Essentials, 50 on Premier — with no equivalent on our side.
- You want multi-currency and multi-location inventory, both on Premier.
- You want a 30-day trial of the top tier before deciding.
Watch the e-Invoice caps
Financio's per-plan LHDN e-Invoice limits cut both ways: Essentials' 25/month is tight for an active B2B seller, while Premier's 5,000/month is generous. Estimate your real monthly invoice count before picking a plan — it's the number most likely to force an upgrade.
If you only need LHDN e-Invoicing
Both are accounting systems first. If your books are already handled and you only need to submit compliant e-Invoices, a focused tool like MyInvois Bridge does that from RM49/month without a migration — though it is not accounting software and won't replace either suite's ledger, SST reporting, or (in Financio's case) payroll.
Is Bukku really free for LHDN e-Invoice?
Bukku publishes a genuinely free e-Invoice tier at RM0/month, which is unusual in this market. Paid accounting plans start at RM35/month plus 8% SST if you need full bookkeeping.
Does Financio limit how many e-Invoices I can send?
Yes. Financio publishes hard per-plan LHDN e-Invoice caps — 25/month on Accounting Essentials up to 5,000/month on Premier — so your monthly volume should drive the plan you choose.
Which is cheaper, Bukku or Financio?
Bukku, at both ends: it has a free e-Invoice tier and paid accounting from RM35/month, versus Financio's RM50/month entry. Financio's price includes payroll, which Bukku's entry plan doesn't.
Don't need a full accounting suite?
If your books already work and you only need LHDN e-Invoicing, MyInvois Bridge handles it from RM49/month. 14-day free trial, no credit card.
Why MyInvois Bridge
Integrates with your systems
Connect your own software — or an ERP, POS, or accounting system — to LHDN through our REST API today: submit invoices, then poll for status or receive signed webhooks. Direct CSV import is on the roadmap.
Focused, not a migration
We do LHDN e-Invoicing, not accounting. Keep the system you already use — there's no chart of accounts to import and nothing to switch, so you're compliant without a migration project.
The status is the product
Every document shows draft → validated → submitted → accepted or rejected, with the real LHDN reason in plain language and a full event trail.
Validated before LHDN sees it
Fields are checked against LHDN's rules before submission, so you catch and fix problems here instead of decoding cryptic rejections later.
Guided, sandbox-first onboarding
We help your first invoice through the official LHDN sandbox. Nothing real is sent until you've watched a test succeed — and the 14-day trial needs no credit card.
Built for Malaysia
LHDN document types, RM pricing, SST-aware copy, and a fully bilingual EN/BM product — not a global tool with Malaysia bolted on.