Business SoftwareFree Credit Note / Debit Note Generator
Create a free Credit Note or Debit Note online with GST calculations, original invoice reference, professional A4 PDF and print support.
1. Supplier / Business (Your Business)
Enter your business details as the supplier.
PNG, JPEG or WebP, up to 1 MB. Shown on the document — never uploaded or saved anywhere.
2. Customer / Recipient
Enter the customer this note is being issued to.
3. Note Details
Set the note number and date, the original invoice/bill this note adjusts, and your tax option.
4. Items
Add the adjustment line items this note covers.
Defaults to qty × rate: ₹0.00 — editable above
Notes / Terms & Conditions (optional)
Signature (optional)
PNG, JPEG or WebP, up to 1 MB. Shown on the document — never uploaded or saved anywhere.
A visual signature image only — not a legal e-signature.
This tool helps you create a commercial document. Verify the details and applicable GST requirements for your transaction before issuing it.
Quick Tips
- Always record the original invoice/bill number and date this note adjusts
- Describe the reason for the note clearly — it's part of the document's own record
- Review your GST treatment before downloading — CGST+SGST vs IGST is your choice, not inferred
- The amount is always shown as a positive figure — the document type communicates credit vs debit
- Once issued, save and manage your notes alongside your CRM and invoicing inside Business Software
Save this document to Business Software
Create this credit or debit note for free here, then save and manage your business documents alongside your CRM, projects and invoicing inside Business Software.
Create a free accountYour document information is used to generate the PDF and is not saved to a Business Software account unless you choose to create one.
Credit note vs. debit note
A credit note and a debit note are both adjustment documents that reference an earlier invoice or bill — a credit note reduces what the customer owes, and a debit note increases it. Typical reasons include goods returned, a deficiency in goods or services, an amount or tax charged in error, or a price revision after the original invoice was issued.
How to create a credit or debit note
- Choose Credit Note or Debit Note at the top of the form.
- Enter your business (supplier) details, including your GSTIN if applicable.
- Enter your customer/recipient details.
- Add the note number, date, and the original invoice/bill number and date it adjusts.
- Enter the reason for the note, and add one or more adjustment line items.
- Choose No Tax, GST, or a custom tax rate, then preview and download the PDF.
Why the original invoice reference matters
A credit or debit note only makes sense alongside the invoice or bill it corrects. Recording that reference keeps a clear link between the original transaction and this adjustment for your own records — this tool doesn't look up or verify the original invoice against anything, since nothing you enter is saved or persisted.
Important notes
This tool helps you create a commercial document — it does not file GSTR-1, submit GST returns, connect to the GST portal, or determine whether a particular adjustment is legally required or permissible for your transaction. GSTIN entries are checked for correct format only. For complex or unusual situations, verify the applicable GST requirements with a qualified professional before issuing the note.
Frequently asked questions
What is a credit note?
A credit note is a commercial document a supplier issues to a customer to record a downward adjustment against an earlier invoice or bill — for example when goods are returned, the original taxable value or tax charged was too high, or the goods or services supplied were deficient. It always references the original invoice/bill it adjusts.
What is a debit note?
A debit note is a commercial document a supplier issues to a customer to record an upward adjustment against an earlier invoice or bill — for example when the original taxable value or tax charged was too low, or an additional amount becomes payable after the invoice was issued. Like a credit note, it always references the original invoice/bill it adjusts.
What is the difference between a credit note and a debit note?
Both are adjustment documents tied to an original invoice/bill. A credit note reduces what the customer owes (a downward adjustment); a debit note increases it (an upward adjustment). This tool lets you create either from the same form — just choose the document type at the top.
Why does the original invoice/bill reference matter?
A credit or debit note only makes sense in relation to the invoice or bill it corrects. Recording the original invoice/bill number and date on the note keeps a clear paper trail between the original transaction and the adjustment, which is important for your own records and for anyone reviewing them later.
When do businesses commonly use a credit or debit note?
Common examples include sales returns, goods or services found deficient, an amount or tax charged in error, a post-sale discount or price revision, and short or excess supply. The reason field on this tool is a free-text field with suggestions — you can always describe your own specific reason.
Is this credit/debit note generator free?
Yes. Creating, previewing and downloading a credit note or debit note with this tool is free and does not require an account.
Do I need a GSTIN to create a credit or debit note?
No. GSTIN fields are optional on both the supplier and customer side. You can create a note with no tax at all, with a standard GST calculation (CGST+SGST or IGST, whichever you choose), or with a custom tax rate you define yourself.
Does this tool file my credit or debit note with the GST department?
No. This tool only generates a document for your own use — it does not file GSTR-1, submit any GST return, connect to the GST portal (GSTN), or determine whether a particular transaction legally qualifies for a credit or debit note under GST law.
What should I review before issuing a credit or debit note?
Double-check the original invoice/bill reference, the reason for the adjustment, your GST treatment (CGST+SGST vs IGST, and the rate), and every line item's taxable amount before downloading or printing. For an unusual or high-value adjustment, it's worth confirming the applicable GST treatment with a qualified professional.
Can I download the note as a PDF?
Yes. Once you've entered the note details, you can preview it and download a professional A4 PDF, or print it directly.
Does the tool save my note data?
No. Your details are used only in your browser and on the server for the moment it takes to generate the PDF — they are not saved to a database or a Business Software account unless you choose to create one.