Compare · Accounting and invoicing

SME AI Office vs Xero

Xero is accounting software. SME AI Office is your accounting, payroll with CPF, HR and the tools you sell with, in one place, from S$0.

Prices checked 30 September 2026

The short answer

Choose Xero if your accountant already works in it, you want bank feeds that match your bank line by line, or you want your GST F5 filed to IRAS from inside the software.

Choose SME AI Office if you want payroll and CPF, staff leave and claims, and your order page, bookings or POS in the same place as your accounts, for S$365 a year. Xero is S$468 to S$1,140 a year, before a separate payroll app.

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Side by side

SME AI Office and Xero compared for a Singapore business, 30 September 2026
SME AI OfficeXero
Price Free plan S$0. Pro 365 S$39 a month or S$365 a year Starter S$39, Standard S$70, Premium S$95 a monthIncludes GST. First three months discounted
Free plan Yes, for good. Your P&L and 10 invoices a month, no card No free plan
Invoices 10 a month free, unlimited on Pro 365 20 a month on Starter, unlimited on Standard and Premium
GST F5 Every box filled in from your records. You file on myTax Portal Filled in and filed to IRAS from inside Xero
Form C-S A worksheet from your P&L, with the tax worked out Not built in
Bank feeds Not offered. Receipts are read for you instead Yes, with auto-reconcileS$8 a month extra on Starter
Payroll and CPF Built in on Pro 365: CPF, the bank file, IR8A Through a separate payroll app, paid separately
Leave, claims, attendance Built in on Pro 365, with a staff app Not built in
Foreign currency Foreign receipts at your own rate, every plan Premium plan only
Selling Order page, bookings, POS and a website, free, and every sale lands in your P&L Through connected apps
Your accountant P&L and GST lines export to CSV Most Singapore accountants already use it

Only on SME AI Office

  • Free planYes, for good. Your P&L and 10 invoices a month, no card
  • Form C-SA worksheet from your P&L, with the tax worked out
  • Leave, claims, attendanceBuilt in on Pro 365, with a staff app

Which one fits

SME AI Office fits when

  • You have staff and want payroll, CPF and leave in the same place as your accounts.
  • You sell food, classes, sessions or products and want each sale in your P&L by itself.
  • You want to start free, and pay S$365 a year when you need the rest.

Xero fits when

  • Your accountant already runs your company in Xero.
  • You want every bank transaction pulled in and matched for you.
  • You want to file GST to IRAS without opening myTax Portal.

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 Xero in Singapore?

For most small businesses, yes. SME AI Office has a Free plan with your profit and loss and 10 invoices a month, and Pro 365 is S$365 a year with payroll and CPF built in. Xero in Singapore is S$39, S$70 or S$95 a month, and payroll needs a separate app on top.

Can SME AI Office file my GST F5 to IRAS like Xero does?

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. Xero can submit the GST F5 to IRAS from inside the software.

Does Xero do payroll and CPF in Singapore?

Not on its own. In Singapore, Xero connects to separate payroll apps for CPF and staff pay. SME AI Office has payroll, CPF, the bank file and IR8A built in on Pro 365, with leave, claims and attendance in the same place.

Does SME AI Office have bank feeds like Xero?

No. SME AI Office does not pull in bank transactions. It reads your receipts for you on Pro 365, and every sale from your order page, bookings, POS or invoices goes into your profit and loss by itself.

What is a cheaper alternative to Xero in Singapore?

SME AI Office starts free, with your profit and loss and 10 invoices a month, and Pro 365 is S$365 a year with GST F5, Form C-S, payroll and CPF included. Xero starts at S$39 a month for 20 invoices.

Can I move from Xero to SME AI Office?

Yes. Export your contacts and invoices from Xero as CSV files and WhatsApp us on +65 9613 7676; we help you move them over.

Xero facts are from xero.com/sg, Xero on GST F5 filing, checked on 30 September 2026. Prices are as shown there. Xero is a trademark of Xero Limited. SME AI Office is not connected with Xero.

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