Owner-run Pte Ltds
Companies with 5–50 staff whose owner is still the finance department. We take the books, GST, payroll and filings off your desk — with a named accountant, not a call centre.
Your finance function, handled
ACCOUNTANT-LED · AI-POWERED · SINGAPORE
Your finance team,without the headcount.Accountant‑led. AI‑powered.
Synergy Accounting gives Singapore SMEs a named accountant and a team of AI agents that keep your books, GST, payroll and filings running every month — for less than an accounts executive.
Principal Accountant in practice since 2008Built for Singapore SMEsEvery filing reviewed by a human accountant
WHY IT MATTERS
No finance teamcosts more than you think.
Books that run months behind, penalties for missed IRAS and ACRA deadlines, decisions made without numbers, and a full-time hire you can't justify. Synergy gives you a finance function without the headcount — and keeps every deadline in view.
Missed deadlines
Late ECI, GST F5 or annual return filings trigger IRAS and ACRA penalties that add up fast — and nobody was tracking the dates.
Books months behind
A year-end reconstruction costs more than monthly upkeep and hides what the business is really doing until it is too late to act.
No numbers to decide with
Pricing, hiring and spending decisions made on the bank balance alone, because the only complete picture arrives once a year.
A hire you can't justify
An in-house accountant costs more than the work needs, and a part-timer leaves gaps in cover, skills and continuity.
THE SYNERGY DIFFERENCE
From year-end scramble to a month that runs itself.
AI agents match, reconcile, chase and draft every day. Your named accountant reviews, signs off and explains the numbers. You get clear monthly accounts, every deadline met, and a person who knows your file.
Who we help
Owner-run Pte LtdsGrowing teamsOutgrown spreadsheetsChanging accountants
HANDOVER → HANDLED
Agents did the volume work; your accountant signed off
Month closed. Filings approved.
What you hand over
Invoices & receipts
Sent over each month
Bank statements
Shared securely
Payroll details
Staff and CPF
Questions
Whenever they arise
What comes back
Books reconciled
GST F5 drafted and approved
Payroll & CPF prepared
Management accounts ready
Reviewed by your accountant
Confidential & compliant
Signed off by your accountant
All deadlines met
Deadline tracked
Compliance agent · GST F5 31 Oct
Approved by you
Then filed with IRAS
THE SYNERGY MODEL
One accountant. A tireless AI team.Your whole finance function.
The agents do the high-volume work every day. The named accountant on your file reviews it, makes the judgement calls, signs off every filing and explains the numbers.
AI agents do
- Categorise transactions, match bank feeds and reconcile
- Chase missing receipts and invoices
- Track every IRAS, ACRA and CPF deadline
- Draft GST F5, payroll, CPF, IR8A and schedules
- Assemble monthly management accounts
Your accountant does
- Reviews and signs off every monthly close
- Handles the judgement calls and adjustments
- Approves and submits every filing
- Explains the numbers and advises on cash, tax and growth
- Holds regular review calls with you — monthly on Growth and above
OUR SERVICES
Eight services.One accountable team.
From daily bookkeeping to CFO-level advice — agents do the volume work, your accountant signs off, and every service page says exactly who does what.
Bookkeeping & bank reconciliation
Every transaction recorded, categorised and matched to your bank — every month, not at year-end.
Monthly management accounts & KPIs
A clear P&L, balance sheet and cash position each month — with the numbers that matter to your business.
GST registration & quarterly GST F5
Registration when you cross the threshold, then accurate quarterly GST F5 returns filed on time.
Payroll, CPF & IR8A
Monthly payroll, payslips and CPF contributions, plus year-end IR8A — done for you.
Corporate tax (ECI, Form C-S / C)
Estimated Chargeable Income and your annual corporate tax return, prepared properly and filed on time.
ACRA annual return, XBRL & corporate secretary
Financial statements, XBRL, annual return and the company secretarial work that keeps you in good standing.
Cash-flow forecasting & budgeting
Know your runway. A rolling cash-flow forecast and an annual budget built from your real numbers.
Fractional CFO advisory
Senior finance thinking when you need it — pricing, hiring, financing and growth decisions, backed by your numbers.
ONE TEAM, FULL COVERAGE
Your finance function, handled end to end
Bookkeeping, GST, payroll, tax and ACRA filings — run by AI agents under a named accountant who knows your business, with every deadline tracked so nothing slips.
See all servicesHOW WE WORK
Four steps to a finance teamthat runs your month.
From a first call to your first monthly close in about four weeks. Agents and your accountant take it from there.
01
Consult
A free, no-obligation call to understand your business, where you are today, and what you need.
Free first call
02
Onboard
Connect bank feeds and Xero or QuickBooks; we collect records from your previous accountant or spreadsheets and clear any backlog.
Backlog cleared
03
Agents and accountant run your month
Agents match, reconcile, chase and draft every day. Your accountant reviews, adjusts and approves every filing before it goes anywhere.
Nothing filed without sign-off
04
Monthly close and review call
Management accounts by day ten, a review call with your accountant, and WhatsApp updates in between.
Numbers you can act on
WHO WE WORK WITH
Built for SMEswith no finance team.
Owner-run companies that have outgrown a bookkeeper but can't justify a full-time hire — we give you the finance function without the headcount.
Businesses that outgrew spreadsheets
You've got real volume now and the spreadsheet can't keep up. We move you onto proper software, connect the bank feeds and keep the books closed every month.
Live in about four weeks
Companies changing accountants
Your last firm let deadlines slip or went quiet. We review the file, quote any catch-up as a one-off, and take over the compliance calendar from the next filing.
Nothing slips again
Since 2008
Our Principal Accountant has been in practice since 2008.
Est. 2013
Synergy Accounting Pte Ltd, incorporated in Singapore in 2013.
Human sign-off
Every filing reviewed and approved by your accountant.
One team
Five AI agents, one named accountant, your whole finance function.
WHY CHOOSE US
Proven practice.Now with an AI team.
A practice in operation since 2008, now running its clients' books with AI agents under a named accountant's review — with fixed published fees, strict confidentiality and a person who picks up.
In practice since 2008
A named accountant,on every file.
Since 2008 we've kept Singapore businesses compliant and in control. Today the agents do the volume work and the accountant whose name is on your file reviews, signs off and answers your questions — without the cost of an in-house finance team.
Fixed published feesStrictly confidentialHuman sign-off on every filing
WHY SYNERGY
Reviewed by a professional
Agents prepare. Your accountant signs off.
Principal Accountant in practice since 2008
Every filing reviewed and signed off by her
Deadlines tracked by the compliance agent
ECI, GST F5, CPF and annual returns
Transparent fixed fees
No surprises at year-end
Questions answered fast
A real person, not a ticket queue.
In practice since 2008
A Principal Accountant who has run SME books, GST and tax since 2008.
IRAS & ACRA expertise
Filings, deadlines, XBRL, and annual returns — all correctly covered.
Transparent fixed fees
Clear monthly packages with no hidden charges or year-end surprises.
Strict confidentiality
Your data is handled under the PDPA, access is limited to the people on your file, and bank access is read-only wherever possible.
PACKAGES
Fixed monthly packagesthat grow with you.
Your finance function on subscription: a named accountant plus an AI team, for less than an accounts executive. Start where you are today and move up as your business grows.
Essentials
S$490/mo
For smaller SMEs that need their books and filings handled properly.
Up to ~50 transactions a month
- AI bookkeeping, reviewed by your accountant
- Monthly bank reconciliation
- Quarterly management accounts
- ECI + Form C-S filing
Recommended
Growth
S$1,190/mo
Your full finance function for a growing team.
Up to ~200 transactions a month
- Everything in Essentials
- Monthly management accounts & KPIs
- Quarterly GST F5 filing
- Payroll for up to 10 staff (CPF, IR8A)
Fractional Finance Team
S$2,490/mo
Senior finance leadership, on demand.
Up to ~500 transactions a month
- Everything in Growth
- Cash-flow forecasting & budgeting
- Board and bank packs
- Quarterly CFO strategy session
Prices in SGD, billed monthly — or save 20% by paying for the year upfront. Need something tailored? We'll quote it.
FAQ
Common questions.Clear answers.
Practical answers about how the AI team and your accountant handle your accounting, tax and compliance — and how easy it is to get started.
STILL DECIDING?
Talk to a realaccountant.
Not sure which package fits or have a one-off question? Book a free consultation and we'll point you in the right direction — no obligation.
Principal Accountant in practice since 2008
Books, GST, payroll, tax & ACRA
Transparent fixed-fee packages
AI agents do the repetitive, high-volume work — matching bank transactions, chasing receipts, drafting returns and tracking deadlines. A named accountant reviews everything, makes the judgement calls and signs off every filing. You get the speed of automation with a professional accountable for the result.
Your Synergy accountant. Nothing is submitted to IRAS or ACRA without her review and your approval.
Yes. We pick up your records from your previous accountant or spreadsheets, clear any backlog and continue from there. Most handovers take two to four weeks.
We work in Xero and QuickBooks Online and connect to your bank feeds. If you're on spreadsheets today, we'll recommend and set up the right software with you.
Your records are handled in line with Singapore's PDPA, access is limited to the people working on your file, and we use read-only bank access wherever possible.
Book a free consultation. We'll understand your business, recommend a package and plan a smooth handover.
GET STARTED
Hand over the numbers.Keep the control.
A named accountant and an AI team that treat your compliance as their own.
Deadlines tracked
Nothing slips through
Approved by you
Then filed with IRAS
FREE, NO-OBLIGATION CONSULTATION
Ready to hand offthe numbers?
Book a free consultation and we'll review where you are, recommend the right package, and show you exactly how the team would run your month.
In practice since 2008Fixed published feesHuman sign-off on every filing