Compare · Accounting and invoicing

SME AI Office vs Financio

Financio is Singapore cloud accounting from ABSS, with payroll sold as a second product. SME AI Office is accounting, payroll with CPF, HR and your selling tools in one.

Prices checked 30 September 2026

The short answer

Choose Financio if you want the GST F5 submitted to IRAS from inside the software, InvoiceNow, or bank connections with DBS or Maybank, and your accountant already uses ABSS.

Choose SME AI Office if you want accounting and payroll in one plan, with your order page, bookings or POS alongside. Pro 365 is S$365 a year. Financio Accounting Premier is $330 a year and Payroll Essentials $275 a year, $605 together.

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Side by side

SME AI Office and Financio compared for a Singapore business, 30 September 2026
SME AI OfficeFinancio
Price Free plan S$0. Pro 365 S$39 a month or S$365 a year Essentials S$20 a month, Premier S$30 a monthOr S$220 and S$330 a year. Standard rates before promotions
Free plan Yes, for good. Your P&L and 10 invoices a month, no card Free trial, 30 days, then read-only
Invoices 10 a month free, unlimited on Pro 365 20 a month on Essentials, unlimited on Premier
Payroll and CPF Built in on Pro 365. No per-employee fee Financio Payroll, separate: S$25 a month (up to 30 staff) or S$45CPF and IRAS submission, leave and claims
GST F5 Every box filled in from your records on Pro 365. You file on myTax Portal Submitted to IRAS from Financio, with the IRAS Audit File
InvoiceNow (Peppol) Not switched on today. Ask us if you need it Send GST invoices to IRAS via InvoiceNow, both plans
Receipt scanning Receipts read and filed on Pro 365, up to 50 at a time 5 AI scans on Essentials, 50 on Premier
Bank No bank feed. Receipts are read for you on Pro 365 Bank reconciliation, with DBS and Maybank connections
Selling Order page, bookings, POS and a website, free, each sale in your P&L Through connected apps

Which one fits

SME AI Office fits when

  • You want accounting and payroll on one plan, with no per-employee fee.
  • You sell online, by booking or at a counter and want each sale in your P&L.
  • You want to start free, with no time limit.

Financio fits when

  • You want the GST F5 submitted to IRAS without opening myTax Portal.
  • You need InvoiceNow or a DBS or Maybank bank connection today.
  • Your accountant already works with ABSS or Financio.

Your P&L and 10 invoices a month are free. Everything else is Pro 365, S$365 a year.

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Questions

Is SME AI Office cheaper than Financio in Singapore?

Once payroll is counted, yes. SME AI Office Pro 365 is S$365 a year with payroll and CPF included, and there is a Free plan. Financio Accounting is $220 or $330 a year, and Financio Payroll is a separate $275 or $495 a year, at standard rates.

Can SME AI Office submit my GST F5 to IRAS like Financio?

No. SME AI Office fills in every box of the GST F5 from your own records on Pro 365, and you file it on myTax Portal yourself. Financio submits GST returns to IRAS from inside the software after you authorise it with Singpass.

Does Financio have a free plan?

No. Financio has a 30-day free trial, after which an account that is not subscribed becomes read-only and is deleted after 30 days. SME AI Office has a Free plan with no time limit: your profit and loss and 10 invoices a month.

What is an alternative to Financio with payroll included?

SME AI Office includes payroll on Pro 365 at S$365 a year: CPF by age band and PR year, the CPF submission file, IR8A and payslips, with leave, claims and attendance. There is no per-user or per-employee fee.

Can I move from Financio to SME AI Office?

Yes. Export your data from Financio, then WhatsApp us on +65 9613 7676 and we help you move it over. For a limited time we set the business up for you free, on every plan.

Financio facts are from financio.co/sg/pricing, financio.co/sg accounting features, checked on 30 September 2026. Prices are as shown there. Financio is a trademark of Asian Business Software Solutions. SME AI Office is not connected with Financio.

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