Singapore · a Synergy Accounting brand · sister to Syneraide
Bespoke AI automation · Built for Singapore SMEs

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. From SGD $300/month.

4 wk
average build time
S$ 300/mo
starting retainer
M-to-M
no annual lock-in
CA-led
built by accountants
Connects to · integrations
No migration. We meet your stack where it lives.
Xero· QuickBooks· Financio· WhatsApp Business· 360dialog· Calendly· Google Sheets· Talenox· Stripe· Airtable· HubSpot· Xero· QuickBooks· Financio· WhatsApp Business· 360dialog· Calendly· Google Sheets· Talenox· Stripe· Airtable· HubSpot·
§ 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.

01 free · 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 with
A 1-page summary of your top 3 automation opportunities, ranked by impact and effort. In your inbox within 24 hours.
02 week 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 with
A 1-page automation blueprint. Estimated time saved, fixed quote, no surprises.
03 week 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 with
A live, tested automation running in your business, plus a 1-hour staff training session.
04 ongoing

We run & improve it.

We monitor, fix, and refine — and ship one improvement a month. You get a real team, not a support hotline. Month-to-month after a 3-month minimum.

You walk away with
Peace of mind, plus a monthly check-in with the human who built it.

Most SMEs are live within 4 weeks.

§ 03 — Common pain, custom builds

What can we
automate for you?

These aren't products you buy off a shelf — they're the most common shapes a Calcudesk build takes. Yours will look a little different, because your business does.

01

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
60–80% less time chasing. Average collection 5–12 days faster.
Tell us about your AR
02

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 has financial clarity in 60 seconds. Accountant saves 4–6 hrs/month.
Get your CFO brief built
03

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.
Stop missing leads
04

HR & Payroll
Admin

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

Typical outcome
2–4 hrs/month saved on leave & payroll admin. Faster staff replies.
Automate your HR loop
05

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
Manual data entry eliminated. 60–70% less time on GST prep.
Kill the data entry
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
Renovation quote chaser · Vendor master cleanup · Expense policy bot · Inventory alert agent
Send us a problem
§ 04 — Real builds, real numbers

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.

Retail · e-commerce case · 01

From 52-day collection
to 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.

21d
faster collection
8wk
to live
Could we build this for you?
F&B · 4-outlet group case · 02

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.

3wk
earlier visibility
5hr
/month back to ops
Could we build this for you?
Professional services case · 03

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.

8s
avg response
35%
leads self-served
Could we build this for you?
§ 05 — The desk behind Calcudesk

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

Calcudesk is a service of Synergy Accounting Pte Ltd — a Singapore 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 IT team to keep alive.

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.

2026
Calcudesk launched
SG
PDPA-compliant
CA
Chartered led
"
I watched too many SME owners chase invoices at 10pm because their tools couldn't help and a finance hire wasn't on the cards. Calcudesk is the firm I wished existed when I was doing the books myself.
M
Jacqueline May
Founder · Calcudesk & Synergy Accounting
Listen first
Step one is a real conversation, not a pitch deck.
Build for outcomes
Hours saved per month, not features shipped.
SME-priced
From S$300/mo. No corporate enterprise tax.
Accountant's precision
If a number's off, it's our problem before it's yours.
Honest about AI
We tell you when it can't solve a problem. Often.
Sister brand
Syneraide — horizontal AI automation, beyond finance.
§ 06 — 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.

Included in every engagement
  • Custom workflow design with your inputs
  • Build, integration & thorough testing
  • 1-hour staff training session
  • Monthly improvement iteration
  • You own your automation & your data — always
Passed through at cost
  • 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

No lock-in. Month-to-month after a 3-month minimum. Final pricing depends on the build — we send a fixed quote before you commit.

§ 07 — Honest answers

The questions
SMEs actually ask.

Can't find yours? Bring it to a discovery call — that's what they're for.

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, we'll tell you what we'd recommend, but we won't make the swap a condition of working together.
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 where every output is human-reviewed before it goes to a real client.
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 the number before we start. Ad-hoc questions are free; we'd rather you ask than guess.
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 job, on enterprise endpoints with no training on your data. You own everything we touch.
Can I cancel anytime? +
After a 3-month minimum on the retainer, yes — month-to-month, 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.
§ 08 — Stop doing it manually

Start your
automation.

Book a free 30-minute discovery call with Jacqueline. No commitment. No sales pitch. Just a conversation about what's slowing your business down — and whether AI can help. If we don't think it can, we'll tell you.

01 · We listen

You describe your headache. We ask the questions an accountant would.

02 · We rank

Top 3 automation opportunities, sorted by impact and effort.

03 · You decide

Written summary in 24h. Even if you don't proceed, the summary is yours.

Jacqueline usually replies on WhatsApp under 12 minutes