Compare · Accounting and invoicing

SME AI Office vs FreshBooks

FreshBooks is invoicing and accounting software built in North America, priced in US dollars. SME AI Office is built for Singapore: GST, CPF payroll and PayNow, from S$0.

Prices checked 30 September 2026

The short answer

Choose FreshBooks if you are a freelancer or agency billing overseas clients in several currencies, you want time tracking and project profitability, and you do not need Singapore payroll.

Choose SME AI Office if you want the GST F5 figures, CPF payroll and PayNow QR invoices built for Singapore. Pro 365 is S$365 a year. FreshBooks Plus is US$43 a month, US$516 a year, and FreshBooks Payroll is for US businesses.

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Side by side

SME AI Office and FreshBooks compared for a Singapore business, 30 September 2026
SME AI OfficeFreshBooks
Price Free plan S$0. Pro 365 S$39 a month or S$365 a year Lite US$23 a month. Plus US$43, Premium US$70, Select on requestLite US$1 a month for the first year; 80% off Plus and Premium for 3 months
Free plan Yes, for good. Your P&L and 10 invoices a month, no card Free trial, 30 days
Clients you can invoice Any number. 10 invoices a month free, unlimited on Pro 365 5 clients on Lite, 50 on Plus, unlimited on Premium
Payroll and CPF Built in on Pro 365: CPF by age and PR year, the CPF file and IR8A FreshBooks Payroll is for US businesses, US$40 a month plus US$6 per person
GST GST F5 boxes filled in from your records on Pro 365. You file on myTax Portal A Sales Tax Summary report for your tax return
PayNow on invoices A PayNow QR for the exact amount on every SGD invoice, free Cards online through Stripe outside the US and Canada
Team Team logins on Pro 365. No per-user fee US$11 a month per team member
Currency Singapore dollars. Ten currencies converted to SGD Priced and billed in US dollars

Which one fits

SME AI Office fits when

  • You are a Singapore business that needs GST F5 figures and CPF payroll.
  • You want customers to pay by PayNow QR with no fee.
  • You want a team without paying per person.

FreshBooks fits when

  • You bill clients overseas and want time tracking and retainers.
  • You want project profitability on the Premium plan.
  • You work with a North American accountant who uses FreshBooks.

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 FreshBooks in Singapore?

Yes for most Singapore businesses. SME AI Office has a Free plan and Pro 365 is S$365 a year with payroll and CPF. FreshBooks is US$23, US$43 or US$70 a month, adds US$11 a month per team member, and its payroll add-on is for US businesses.

Can FreshBooks do CPF payroll in Singapore?

No. FreshBooks Payroll is a paid add-on for businesses in the United States. SME AI Office has Singapore payroll on Pro 365: CPF by age band and PR year, SDL, the CPF submission file, payslips and IR8A.

Does FreshBooks prepare the Singapore GST F5?

FreshBooks offers a Sales Tax Summary report to help with tax returns. SME AI Office fills in every box of the Singapore GST F5 from your own records on Pro 365, with the quarter set to your IRAS filing cycle, and you file on myTax Portal.

What is a Singapore alternative to FreshBooks?

SME AI Office is built for Singapore rules: GST at 9%, CPF, IR8A and PayNow. Invoices carry a PayNow QR for the exact amount, with quotes, reminders and repeat invoices. It starts free, and Pro 365 is S$365 a year.

Can I move from FreshBooks to SME AI Office?

Yes. Export your clients and invoices from FreshBooks, 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.

FreshBooks facts are from freshbooks.com/pricing, FreshBooks support: What is FreshBooks Payroll?, FreshBooks support: FreshBooks Payments, checked on 30 September 2026. Prices are as shown there. FreshBooks is a trademark of 2ndSite Inc.. SME AI Office is not connected with FreshBooks.

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