Compare · Accounting and invoicing

SME AI Office vs SQL Account

SQL Account is accounting software that runs in a browser or on your own computer. SME AI Office is accounting, payroll with CPF, HR and your selling tools online.

Prices checked 30 September 2026

The short answer

Choose SQL Account if you want accounting that also runs on your own computer without internet, InvoiceNow today, bank reconciliation, or your dealer already supports SQL.

Choose SME AI Office if you want payroll, HR and your order page or POS in one online system with a free plan. Pro 365 is S$365 a year with payroll. SQL Account Essential is S$348 a year, and SQL Payroll + HRMS adds S$4 per staff a month.

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Side by side

SME AI Office and SQL Account compared for a Singapore business, 30 September 2026
SME AI OfficeSQL Account
Price Free plan S$0. Pro 365 S$39 a month or S$365 a year Essential S$29 a month. Pro S$59 a monthS$25 per additional user
Free plan Yes, for good. Your P&L and 10 invoices a month, no card Free demo or trial before you subscribe
Payroll and CPF Built in on Pro 365. No per-employee fee SQL Payroll + HRMS S$4 per staff a month: CPF, SDL, SHG, IR8A, CPF EZPay
GST and InvoiceNow GST F5 boxes filled in on Pro 365. InvoiceNow not switched on today InvoiceNow and GST compliance on both plans
Bank No bank feed. Receipts are read for you on Pro 365 Bank connection and auto bank reconciliation
Inventory Stock and POS free on every plan Inventory and multiple currencies on the Pro plan
Where it runs In the browser. Nothing to install Browser, or installed on your own computer (hybrid cloud)

Which one fits

SME AI Office fits when

  • You want payroll, leave, claims and attendance in the same system as your accounts, with no per-staff fee.
  • You sell online, by booking or at a counter and want each sale in your P&L.
  • You want to start free, today, with nothing to install.

SQL Account fits when

  • You want accounting that keeps working on your own computer without internet.
  • You need InvoiceNow e-invoicing or bank reconciliation today.
  • Your accountant or dealer already works in SQL Account.

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 SQL Account in Singapore?

With staff, usually yes. SME AI Office Pro 365 is S$365 a year with payroll for everyone and no per-employee fee, and there is a Free plan. SQL Account Essential is S$29 a month, or S$348 a year, and SQL Payroll + HRMS is S$4 per staff a month on top.

Does SQL Account do CPF payroll in Singapore?

Yes, through SQL Payroll + HRMS at S$4 per staff a month, with CPF, SDL, SHG, IR8A and CPF EZPay reports. SME AI Office includes payroll with CPF, the CPF file and IR8A on Pro 365 at S$365 a year for the whole company.

Does SME AI Office work offline like SQL Account?

No. SME AI Office runs in the browser and needs an internet connection. SQL Account offers a hybrid cloud that can also be installed on your own computer and keeps working without internet.

What is an online alternative to SQL Account in Singapore?

SME AI Office is an online Singapore alternative with nothing to install. It covers accounting, the GST F5 figures, invoices with a PayNow QR, payroll with CPF and HR, and it starts free. Pro 365 is S$365 a year.

Can I move from SQL Account to SME AI Office?

Yes. Export your customers, suppliers and stock items from SQL Account, 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.

SQL Account facts are from sql.com.sg/pricing, checked on 30 September 2026. Prices are as shown there. SQL Account is a trademark of E Stream MSC Sdn Bhd. SME AI Office is not connected with SQL Account.

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