SG A service of Synergy Accounting Pte Ltd — built by accountants in Singapore

We build AI around
your business — not the
other way around.

Tell us your biggest operational headache. We'll design, build, and run a custom AI solution for your SME — chasing invoices, briefing on cash, answering WhatsApp leads, anything.

Trusted by Singapore SMEs across

Xero QuickBooks WhatsApp Stripe HubSpot
calcudesk.com › Monday brief · Acme Pte Ltd
S$32.4K
Collected this wk
↑ 18.4%
31 days
Avg collection
↓ from 52
14
Chases sent
↑ 12 paid
8 sec
WhatsApp reply
was 6 hr

Cash collected — last 7 days

Live · Xero sync
Monday brief sent 9:01 AM
4 wks
From kickoff to live
Bespoke
Quoted per engagement
M-to-M
After 3-month minimum
CA-led
By Synergy Accounting
§ 01 — Sound familiar?

The four headaches stealing
SME hours every week.

You didn't start a business to chase invoices at 10pm. We didn't think you should have to either.

Invoices unpaid for weeks.

Singapore SMEs collect 9.2 days slower than global peers. Cash flow takes the hit.

No financial visibility.

You find out about cash shortfalls at month-end, when there's nothing left to do but write a cheque.

WhatsApp leads going cold.

Enquiries sit unread for hours. Your competitor replies in 30 seconds. The lead goes there.

Staff drowning in admin.

Receipts, leave forms, payroll inputs, GST data — keystroke after keystroke that AI can absorb today.

7 in 10 Singapore SMEs say admin is their biggest productivity drain. We started Calcudesk for the other 3 too.

§ 02 — How we work

From a problem you have today,
to a working automation in 4 weeks.

We don't sell software subscriptions. We solve problems. Step one is a conversation, not a signature.

1Free · 30 min

Tell us your pain.

A 30-minute call. You describe the part of your day that's eating you alive — invoices, reporting, leads, anything. We listen, ask questions, never sell.

You walk away withA 1-page summary of your top 3 automation opportunities, ranked by impact and effort. In your inbox within 24 hours.
2Week 1

We design your automation.

Tailored to your stack — Xero or QuickBooks, your WhatsApp number, your tone. We map exactly what gets automated, what stays human, and what it'll cost.

You walk away withA 1-page automation blueprint. Estimated time saved, fixed quote, no surprises.
3Week 2–3

We build & integrate.

Using the tools you already pay for — your accounting software, your WhatsApp, your data. Nothing migrates. Tested before it touches a real client.

You walk away withA live, tested automation running in your business, plus a 1-hour staff training session.
4Ongoing

We run & improve it.

We monitor, fix, and refine — and ship one improvement iteration every month based on what we learn from your business.

You walk away withPeace of mind, monthly check-ins, and an automation that gets sharper every month.
§ 03 — What we automate

What can we automate for you?

Six common starting points — but if your headache isn't here, tell us anyway. Every build is bespoke.

01 · AR Agent

AR & Invoice Chasing

A WhatsApp agent that detects overdue invoices in Xero or QuickBooks and chases politely (then firmly) on your behalf — escalating tone with days overdue.

Typical outcome: 30–50% faster collection. Less awkward chasing, fewer overdue invoices.
02 · Reporting

Financial Reporting & CFO Briefings

A plain-English WhatsApp briefing every Monday morning: cash, overdue invoices, upcoming bills, anomalies. P&L on demand. No spreadsheet diving.

Typical outcome: Owner sees cash issues 3 weeks early — not at month-end.
03 · Sales Agent

WhatsApp Sales Agent

Answers enquiries in seconds, in your voice — qualifies leads, books appointments, escalates the hot ones to you with a tidy summary.

Typical outcome: Hours-to-seconds response. 30–50% of leads self-qualify and book.
04 · HR Admin

HR & Payroll Admin

Leave requests handled on WhatsApp, payroll inputs auto-compiled from timesheets, CPF reminders pre-filled. Less paper. Fewer errors.

Typical outcome: Hours saved every payroll cycle. Staff get clear answers fast.
05 · Document AI

Document Processing & Filing

Snap a receipt to WhatsApp; we extract vendor, amount, GST, category — and post it to Xero. GST F5 prep cut by two-thirds.

Typical outcome: Receipts handled in seconds. GST prep is no longer a 3-day month-end project.
06 · Custom

Tell us your problem.

Don't see your pain on this page? Tell us anyway. If AI can solve it — and we'll be honest with you when it can't — we'll build the exact thing you need.

Recent customs: Quote builders, inventory anomaly alerts, multi-language WhatsApp support.
§ 04 — Case studies

Three SMEs. Three stubborn problems.
One desk that solved them.

Names withheld at launch — clients have to be ready first. Industries, pains, and outcomes are real.

E-commerce · AR Agent

52 → 31 days — in 8 weeks.

A small e-commerce brand was bleeding cash on B2B invoices that sat 45+ days overdue. We built a tone-graded WhatsApp AR agent on top of their Xero ledger. Within two months, collection days dropped from 52 to 31 — without a single chase email from the owner.

F&B · Monday Brief

Caught a 40% utilities spike — three weeks early.

A restaurant group's owner only saw cash issues at month-end. We built a Monday-morning WhatsApp brief plus anomaly alerts. The agent flagged a vendor pricing error before payroll week — saving the owner a scramble and a difficult conversation.

Services · Sales Agent

From six hours to eight seconds.

A small consulting firm was losing inbound enquiries to faster competitors. We trained a WhatsApp sales agent on their FAQ and price guide. It now qualifies, books, and hands warm leads to the partner — with a one-paragraph summary.

§ 05 — Transparent pricing

Built around your needs.
Quoted before you commit.

Every build is scoped to your workflows. We quote based on complexity and the hours you'll save — not a fixed price list. You see the final number before you commit.

Passed through at cost

No markup, ever.
Third-party services are billed at exactly what they cost. We don't profit from your API spend — your savings stay your savings.
  • WhatsApp Business API (~S$15–30/mo via 360dialog)
  • Your existing Xero / QuickBooks subscription
  • Third-party AI API costs (passed through, no markup)
  • Hosting included for Simple & Standard tiers
See what you could save

Final pricing depends on the build — we send a fixed quote before you commit.

§ 06 — About

Built by an accountant who got tired
of waiting for the tools.

Calcudesk is a service of Synergy Accounting Pte Ltd — a Singapore CA practice that has handled the books, GST, and CPF filings for hundreds of SMEs. Calcudesk launched in 2026 because the off-the-shelf tools were either too expensive, too generic, or required an in-house engineering team most SMEs simply don't have.

We don't sell software subscriptions. We solve problems. Every SME is different — your invoice chasing looks different from the next person's. Your Calcudesk automation should too.

§ 07 — FAQ

The questions SMEs actually ask.

Do I need to change my accounting software?
No. We meet your stack where it lives — Xero, QuickBooks, Financio. We connect via the official APIs and we don't ask you to migrate, re-import, or learn a new system. If you're between accounting tools and want our opinion, we'll give it — but never as a condition of working with us.
How long does it take to build?
Most SMEs go from discovery call to a live, running automation in about four weeks. Week 1 is design and quote. Weeks 2–3 are build and integration. Week 4 is testing, training, and a careful launch with your team.
What if I want changes after launch?
Your monthly retainer covers one improvement iteration per month — small tweaks, copy edits, new logic. Bigger structural changes (a new workflow, a new integration) get a fresh fixed quote so you always know what you're committing to.
Is my data secure?
Singapore PDPA-compliant by default. Data lives in your existing tools — Xero, QuickBooks, your WhatsApp account. We don't build a parallel database to hold it hostage. AI providers receive only the minimum needed to do the task.
Can I cancel anytime?
Cancel Anytime. We'd rather you walk away than feel locked in. If the automation isn't earning its keep, we want to know before it does damage to the relationship.
Free 30-min · No commitment · No sales pitch

Start your automation.

Book a free 30-minute discovery call with Jacqueline. You describe what's slowing your business down. We listen, ask questions an accountant would — and tell you honestly whether AI can help.