Accounting software for Singapore, filled in by your own sales

Finance opens with your monthly sales goal and roughly how much a day gets you there, then money in and money out by week or by month. Money in means payments actually received, not orders taken, so an unpaid S$1,200 catering invoice doesn't make the month look better than it is.

Money owed sorts what customers owe into up to 30 days, 31-60 days and over 60 days, oldest first. Tap Remind and the customer gets a polite reminder with the amount and a link to pay, sent through your own SMS account, email mailbox or Telegram bot once you've connected one in Settings. With an SMS account connected, you can also switch on reminders that follow up by themselves on a schedule you set. Business customers on account get a monthly statement showing what they owed at the start, what was charged, what they paid and what's left.

Add an expense in a few taps: the date, a category, the amount, the GST included, a note and a photo of the receipt. The categories are the ones owners actually use: supplies and materials, rent, utilities and phone, ads and marketing, transport and delivery, equipment, staff and helpers, subcontractors, fees and subscriptions, and other.

Rent, phone plans and software subscriptions go in once as repeating expenses and are recorded every month on the day you pick. Purchase orders you receive, finalised pay runs and bills add their own expenses, so nothing is typed twice.

The Expenses page shows the month's sales without GST, what you spent, your profit and your margin, a six-month profit chart and where the money went by category. It's a simple profit and loss view for you rather than formal accounts, and it downloads as a CSV whenever your accountant asks.

If you're GST-registered, your registration number prints on your receipts so they count as tax invoices. Each quarter, Tax & accounting lays out your figures in the order of the GST F5 boxes: standard-rated supplies, zero-rated and exempt supplies, total supplies, taxable purchases, output tax, input tax and the net GST to pay.

Output tax comes from your orders, and input tax from the GST you record on expenses and bills. Adjustments such as bad debt relief and imports aren't included, so check the figures with your accountant before filing. If you aren't registered, the page says so and keeps the figures for reference.

Supplier invoices pile up in email. On Business, Bills to pay keeps them in one list, soonest due first, with how much is overdue. Add a bill by hand, or upload the supplier's PDF invoice: the app reads the text inside it and fills in the supplier, their invoice number, the dates, the total and the GST for you to check before adding. The PDF stays with the bill. A scan or a photo has no text to read, so type those in yourself.

Purchase orders you've received but not paid for are listed, ready to add as bills. Pay part or all of a bill on the day you actually pay it. Its cost already counted as an expense on the bill's date, so paying later moves cash without changing your profit.

There's no live bank feed. Instead, download your statement as a CSV from your online banking and upload it. AQUORIA O.N.E reads the date, the description and the amounts, whether your bank gives one amount column or separate money in and money out columns, skips lines it already has, and matches what it can.

Money in is matched to payments you recorded for the same amount within three days. When a PayNow transfer arrives that nobody recorded, the app suggests which job it probably belongs to, from the amount and the payer's name in the bank's description, and records it as a payment in one tap. Money out is matched to expenses and bills paid, or turned into a new expense on the spot. Anything personal can be set aside.

The balance sheet is a picture for you, not a full set of accounts: equipment, loans and money you put in yourself are left to your accountant.

On every plan you can download sales, expenses, the invoice list and the customer list as CSV files for any dates. There's also a sales file laid out in the invoice import format that common accounting software reads, with your sales account code and tax code filled in. That's an export, not a live sync: nothing changes in your accountant's books until they import the file.