Accounting
Upload a month of receipts in one go. They are read, categorised, GST split and posted. Your profit and loss, balance sheet and GST return follow on their own. You type nothing.
Built for small businesses in Singapore. Part of Pro 365, with every other SME AI Office module.1
A 66-second illustrated walkthrough. All company details, receipts and figures shown are fictional and illustrative. No journal entries. No chart of accounts. Just upload and know your numbers.
Drop the whole month onto the page at once, or forward a photo to the Telegram bot from your phone. A crumpled thermal receipt is fine.
Shop, date, total and every line are read, put in your own category, GST split and the tax code stamped. The shop is remembered for next month.
Invoices, confirmed bookings, shop orders, till sales, payroll and staff claims land in your accounts without being typed. Loans and money you put in are asked in plain words.
Your profit and loss, your balance sheet, your GST F5 boxes and your corporate tax computation, current today rather than months after year end.
The GST is split, not just noted. S$86 becomes S$78.90 of expense and S$7.10 of claimable input tax, with the IRAS tax code stamped on it. That is why the F5 boxes add up at the end of the quarter.
The shop becomes a supplier. It lands in Contacts on its own, so the address book fills itself as you work. Supplier records never count toward your contact limit.
And it remembers. Confirm once that this shop belongs in that category and it leans that way next time. Nothing is learnt silently, and you can delete any rule.
This is the double entry an accountant would write. You never see it, and you never have to.
Nothing is typed twice. The receipt you upload for the P&L is the same row the balance sheet reads. There is no second ledger to keep in step.
A loan is never income. Money in or out that is not profit is asked separately, so your profit stays the profit.
It says so before you save. Every entry reads back what goes up and what goes down, in a sentence.
A profit and loss, a balance sheet and a GST return, all worked out from one set of records and ready on any date you pick.
| Jul | Aug | Sep | |
|---|---|---|---|
| Revenue | |||
| Sales | 38,400 | 41,120 | 44,860 |
| Other income | 0 | 1,200 | 0 |
| Total revenue | 38,400 | 42,320 | 44,860 |
| Cost of Goods Sold | |||
| Inventory & raw materials | 10,180 | 11,240 | 12,050 |
| Gross profit | 28,220 | 31,080 | 32,810 |
| Operating expenses | |||
| Salary & employer CPF | 9,600 | 9,600 | 9,600 |
| Rent | 4,200 | 4,200 | 4,200 |
| Office supplies | 860 | 1,140 | 790 |
| Delivery & logistics | 2,310 | 2,880 | 3,020 |
| Net profit | 11,250 | 13,260 | 15,200 |
A real statement, month by month, with every category listed.
Every box from your real transactions, on your own filing cycle.2
What the business owns, what it owes, and what is left for you. It checks that it adds up every time you open it.
It answers IRAS. The profit and loss is the one your Form C-S computation is worked out from, with GST split and your tax adjustments kept. You file it; the figures are already assembled.3
It usually answers a bank. A profit and loss and a balance sheet from the same records, signed off by the directors, is what a small business loan application asks for.7
It usually answers a landlord. When a new lease asks whether the business can pay the rent, you can show what it earned and what it owns, today rather than after year end.7
How we compare
Xero is a proper accounting package, built for a business that has a bookkeeper. This is built for the person who is the bookkeeper, and the salesperson, and the one doing the deliveries. Both are honest tools. They are aimed at different people.
Price
Accounting is part of Pro 365, with every other SME AI Office module. Most accounting software runs into the hundreds a year on its own. We set every business up ourselves.
So on 1 Jan 2026 the business owned S$36,800 and owed S$25,000, which leaves S$11,800 as the owner’s funds. Of that, S$10,000 is paid-up capital and S$1,800 is profit kept from before.
Pick a start date and answer a few plain questions. It reads them back before you save.
Probably a receipt that has not been uploaded yet, or one paid in cash.
A missing receipt shows up as a difference, not at year end.
Features
Ask for something and it gets built. Every account has a Feedback button that raises a real ticket, read by the person who writes the code. If it would help more than one Singapore business it goes into the module and lands in every account, usually by the next working day.
Need it to work with a tool you already use? Ask the same way. We check that it can be done and tell you straight. You subscribe, by card or PayNow, we build the connection, and you try it on your own account. If we cannot make it work, you get your money back.
Before you sign up, [email protected] reaches the same place.
From a customer
“An entry point for a small start-up, without being overwhelming.”
“Looking for an easy way to manage my small business, I came across SME AI Office. This solution has an entry point for a small start-up, not overwhelming, while having more sophisticated features for future scaled-up operations. Had a chance to speak to the founder Kevin and was greatly encouraged that he listens to his clients, big or small, and is always open to see how he can improve the client experience. SME AI Office not only provides a solution, but provides the relationship management as if you are a big corporate. Very glad to chance upon this software.”
Shirley Ong · Pangolin Creatives Pte Ltd
Questions
It is part of Pro 365: S$39 a month, or S$365 a year paid yearly, which works out about S$30 a month. That covers the P&L, the balance sheet, invoicing, GST F5 and Form C-S, every other SME AI Office module, and every module we build later.1
No. Receipts file themselves, and anything that is not a sale or a cost is asked in plain words: did you put money in, take some out, borrow, or move cash to the bank. It books both sides for you and reads back what changed before you save. There is no chart of accounts and no journal entry.
Yes. Drop the lot onto the upload page and they are read one after another, each one categorised, GST split and posted. You can also forward photos to the Telegram bot through the month and never sit down to a batch at all.
You correct it, and it is a normal editable entry from then on. If you correct the same shop twice you are asked whether to remember it, and after that the scanner leans that way. Nothing is ever learnt silently, and you can delete any rule it has picked up.
Invoices, confirmed bookings, shop orders, till sales, finalised payroll and paid staff claims all post themselves, and depreciation is worked out for every asset when you run the month. You upload receipts, and record money that is not profit or loss, such as a loan or money you put in. Bookings and the shop each have their own switch if you would rather keep them out.
Yes, and it stays out of the way until you are registered. From your registration date onward, sales are split at 9% and stamped as standard-rated, purchases with GST are stamped as claimable input tax, and the F5 page computes every box from your real transactions. You can flip individual lines to zero-rated, blocked input or import GST, and the quarter follows your own IRAS filing cycle.2
For most small businesses, the figures are. The profit and loss feeds the Form C-S page, which works out chargeable income and tax payable with the exemptions applied, and the GST F5 boxes come from the same lines. You still file it yourself, and nothing is submitted for you.3
For a small business, usually yes. A bank wants a profit and loss and a balance sheet from the same records, signed off by the directors, and that is what this produces. In our own businesses, those same two statements, signed off by the directors, have been enough for a S$800,000 property loan and for a lease at S$20,000 a month. Each bank still has its own checklist, so ask yours what it wants to see.7
Usually, yes. A landlord wants to see that the business earns enough to pay the rent and what it owns and owes. This shows both as of today, ready for the directors to sign off.7
Yes. An invoice counts on the day you issue it and sits under “customers owe you” until it is paid. A supplier bill you mark as paying later sits under “you owe suppliers” until you mark it paid. Stock is on it once you use Inventory.8
Pick a start date and tell it what the business had and owed that day. Everything before it stays as it is in your P&L, and the balance sheet runs from there. There is no cut-off date and nothing has to be imported first.
For anything that needs professional judgement or a signature, yes. This is not advice and it does not file anything for you. What it changes is what you hand over: categorised, GST split, currency converted and exportable to CSV. Most people find the bill goes down because the typing is already done.
Yes. Other currencies are converted to SGD on the transaction at the rate you set, so your accounts are always in one currency while the original amount stays on the record.4
Ask through the Feedback button. We check whether it can be done and tell you straight. If it can, you subscribe by card or PayNow, we build the connection and you try it. If we cannot make it work, you get your money back.
No. If you are already paying for a single module, you keep your plan and your price.
Upload this month’s receipts and you have a profit and loss, a balance sheet and your GST. Email us and we set your business up ourselves.