Every question, in one place.

A back office platform for small Singapore businesses. Eleven modules on one system: your accounting and invoicing, PayNow that confirms itself, payroll, HR with a staff portal, a customer list and lead board, online booking, an online shop, a till with stock control, a website chatbot, and company compliance. Plus an AI assistant that answers questions about your own numbers. The point is that they are one system rather than eleven apps: something entered once shows up everywhere it belongs.

No. The usual way to keep the accounting up to date is to photograph a receipt: it is read, categorised, GST split and posted for you. You will meet words like gross profit and chargeable income because that is what the tax forms ask for, but you are never asked to pick a ledger account or understand double entry.

Businesses from one person to about twenty, in Singapore, of any kind: a personal trainer, a home baker, an agency, a clinic, a shop, a consultancy, a freelancer. It is tuned for Singapore rules rather than adapted to them: GST at 9%, CPF age bands and PR rates, IR8A, ACRA deadlines, public holidays and PayNow.

Your staff get a portal: leave, clock-in, expense claims and payslips, opened in the browser on their phone with nothing to download. For the owner side the whole platform works in a phone browser, and receipts can be sent to a Telegram bot without opening anything at all. There is no App Store or Play Store download.

No, and this is the thing that stops most people. Start from the current month. There is no cut-off date and no import you must finish before the product works. Older receipts can be scanned whenever you feel like it, or never. Contacts import from a CSV if you have one.

Yes, at no extra cost. Team members get their own login with access set per module and per permission level, so a bookkeeper can see the accounts without seeing payroll. Employee logins for the staff portal are separate and unlimited, at no extra cost.

No. Sole proprietors, partnerships and companies all use it, and the setup asks which you are so the right things appear. Compliance is the one module aimed specifically at Pte Ltd directors, because ACRA annual returns and directors’ resolutions only apply to companies.

Pro 365 is S$49 a month, or S$365 a year paid yearly, which works out about S$30 a month. It covers every module with every limit lifted, including every module we build after you subscribe. Modules are not sold one by one any more: every one of them is part of Pro 365.

There is a free trial: 14 days of the whole system, with nothing held back and no card needed. There is no free plan afterwards. Sign up and you are in straight away; we check you are a real business, usually the same working day, and your 14 days start from there. Nothing is charged at the end, and nothing you put in is ever deleted.

Sign up and start your 14 days. The quickest way to see whether it is worth it is to photograph last month’s receipts on the first day: they are read, categorised, GST split and posted for you, so you get a real profit and loss with your own numbers in it in about twenty minutes rather than waiting a month. If you would rather we set it up with you, email hello@kevinchiahd.com and we will bring in what you already have.

Every module: accounting, GST and corporate tax, invoicing, payroll, HR and the staff portal, customers, online booking, the online shop, the till and stock, the website chatbot, company compliance and the AI assistant. Every limit is lifted, every module built afterwards is included at no extra cost, and it comes with one working session with the founder during your paid year.

No. Every module comes as part of Pro 365, because they work as one system: a booking, a sale or a payslip lands in your accounts on its own only when the modules are together.

Nothing changes. You keep your plan and your price for as long as you stay on it. Moving to Pro 365 is always open to you if you want every module.

Our industry systems (restaurant, retail, tuition, studio, car workshop and car dealer) are S$199 a month for your first location plus S$100 a month for each extra location. Paid yearly it is S$1,999 a year for the first location plus S$999 a year for each extra one. Pro 365 is included at no extra cost, so every app.kevinchia.sg module comes with it.

S$99 a month or S$999 a year for an association, society or club, with Pro 365 included. There is no per-member fee and no per-location pricing.

Yes, as an optional add-on on an industry system or membership: your own domain with a quickly designed website that stays in sync with the system, for S$39 a month or S$399 a year.

No, and there will not be. One price covers the account. Payroll is flat whether you have two staff or twenty, team logins come at no extra cost, and staff portal logins are unlimited at no extra cost.

Yes. Monthly Pro 365 can be cancelled any time and you keep it to the end of the month you paid for, and you can move to yearly whenever you like. Nothing you have entered is lost when a plan changes.

One session during your paid year, on your own business: numbers, pricing, hiring, how you are running things. Explicitly not a software walkthrough, and you can use it as a clinic on one part of the business. Book it whenever suits you; there is no expiry inside the year.

Pro 365 allows far more than a small business gets through. If you are genuinely running past that, email us. It usually means something about how you are working could be simpler.

In a managed Postgres database on AWS, encrypted at rest and backed up nightly, with row-level security so one account can never read another. On top of that the sensitive fields are encrypted individually: payroll records, NRIC, bank details, customer names, phone numbers and emails. Two-factor login is available, and uploaded documents are served over private links that expire rather than public URLs.

No to both. Your data is not sold, not shared with advertisers and not used to train any model. The AI features read your data to answer your questions and nothing else. There is no advertising tracking on this website either. Analytics only.

Yes, nightly, by the managed database platform. Backups are encrypted like the live data.

Yes. Almost every list exports to CSV whenever you like: revenue, expenses, the P&L, GST, invoices, contacts, payroll history, claims, appointments, orders and products, and every generated document downloads as Word or PDF. Cancelling does not hold your records hostage, and deleting a customer is a real deletion rather than a hidden flag, as PDPA intends.

No, deliberately. CPF files and IR8A are generated for you to upload; GST F5 boxes are computed for you to file; compliance deadlines are worked out for you to meet. We never hold a credential to a government portal.

Photograph the receipt from your phone, or forward it to the Telegram bot. It reads the shop, the date, the total, every line item, the currency and whether there is GST on it, including IRAS simplified tax invoices that show a GST registration number but no separate GST line. Then it files itself into your own category list with the GST split out and the tax code stamped.

You correct it, and it is a normal editable transaction from then on. If you correct the same shop twice you are asked whether to remember it, and after that the scanner leans that way. Nothing is ever learnt silently, and you can delete any rule it has picked up.

Photos and PDFs: JPG, PNG and PDF. A crumpled thermal receipt photographed on a table is the normal case and works fine.

Yes. It produces a real profit and loss statement (revenue, cost of goods, gross profit, employee cost, operating expenses, net profit) and feeds the Form C-S page, which computes chargeable income and tax payable with start-up or partial exemption applied. It is not a substitute for an accountant’s judgement, but it is the figures they would otherwise ask you to assemble.

Yes, worked out from your P&L from a start date you pick: what the business owns, what it owes and the owner’s funds. You say whether a receipt was paid from the bank, cash or your own pocket, and record loans, money you put in or took out, and GST paid to IRAS in plain words. It is usually enough for a small business loan application or a landlord, though each sets its own requirements. It is included on every plan. More about the balance sheet →

Yes. Ten currencies are recognised and converted to SGD on the transaction, so your P&L is always in one currency while the original amount stays on the record.

Yes, and it stays completely out of the way until you are registered. From your registration date onward, sales are split at 9% and stamped as standard-rated, purchases with GST are stamped as claimable input tax, and the F5 page computes every box from your real transactions. You can flip individual lines to zero-rated, blocked input or import GST, and the quarter is anchored to your own IRAS filing cycle rather than the calendar.

Yes. Pick a year of assessment and it pulls the right period from your accounts, tells you which form your revenue means you file, and computes chargeable income and net tax payable at 17% with the exemption worked out tier by tier. Your tax adjustments and capital allowances are kept year to year.

No. There is no bank feed and no banking credential is ever requested. Money is recorded from receipts, invoices and entries you make.

Yes, and it is the cheapest accuracy win there is. Add your own, rename the shipped ones, and hide the ones you will never use. A category you never touch is one more wrong answer available to the scanner, so a shorter list makes every remaining guess better. You can also move months of existing entries into a new category at once, optionally only the ones from a particular supplier.

Yes. Register an asset with its cost, purchase date and depreciation period, attach the invoice to it, and run depreciation month by month. The monthly charge folds into your P&L in the asset’s own category. Selling or writing one off is recorded too, with the gain or loss worked out before you save.

Raise a proper tax invoice with your own numbering, your business details and a Bill To block, itemise it with multi-line descriptions, and mark it paid, which posts the money into your P&L in the right month on its own. Invoices link to the customer’s record, so their profile shows what is billed, paid and outstanding.

No. Invoicing is part of Pro 365, unlimited, with no separate invoicing subscription.

Yes, with four modes: GST added on top, GST already inside the price, zero-rated for exports, and exempt. The document is titled “Tax Invoice” only when standard-rated GST is actually charged, which is what IRAS requires, and your GST registration number is shown on it.

The QR carries the amount and the reference already, so when your customer pays, the transfer arrives in your bank matched to the invoice rather than as an anonymous sum. Nothing is taken out of what you are paid.

There is nothing separate to buy: payroll and the accounting both come with Pro 365. Salary, employer CPF and SDL post into your P&L automatically when a run is finalised.

Your whole team, at any size, with no per-head fee. Payroll is part of Pro 365. A director who draws no salary can be recorded too.

The rate is derived from the person: their age band, whether they are a citizen or a PR, and if a PR, which year of it. So the month somebody turns 55 or moves into their third year of PR, the calculation changes on its own. Total CPF rounds to the nearest dollar and the employee share rounds down, which is the Board’s own rule, and the additional wage ceiling is tracked across the year so bonuses are capped correctly.

PRs fully, including the graduated rates and the joint election for the employer to contribute at full rates while the employee stays graduated. Foreign staff on EP, S Pass or Work Permit appear in runs and get payslips normally, but they are left out of the CPF EZPay file, which covers citizens and PRs. Their levy and related submissions are yours to handle separately.

It generates the file the portal accepts, with NRIC, citizenship code, PR status, ordinary wages and additional wages already in it. You download it and upload it. The file declares wages and particulars only. CPF Board computes the contributions its own way, which gives you a free cross-check: if their total differs from your payslips, something is genuinely wrong rather than hidden.

No, deliberately. We never hold a credential to a government portal. It produces the file; you upload it.

Yes. Un-finalising a run reverses what it posted (the P&L entries it created and the claims it settled), so you can correct it and finalise again. The compliance timeline’s CPF tick is derived from the run, so it un-ticks too.

Yes, as a PDF showing gross, every deduction, employer CPF and take-home. Your staff read their own in the portal, so nobody asks you to resend one, and every finalised month is kept permanently.

Generated from your finalised runs rather than rebuilt by hand, using the NRIC already stored on each employee record. You download and submit it.

They get one, and no they do not. There is nothing to download: it opens in the browser on their phone and sits on their home screen if they want it to. You create the login and send it over WhatsApp; if somebody has no email address, one is synthesised for them. They set their own password on first use.

No. Employee logins are unlimited at no extra cost, whether you have two people or thirty.

No. They are part of Pro 365 alongside payroll. There is no separate HR bill and no module to add.

Yes. Annual leave entitlement follows the statutory increment by year of service for staff covered by Part IV, with pro-rating for someone who joined part-way through the year. Twelve statutory leave types are set up, and Singapore public holidays are built in, including the rule that a Sunday holiday makes the following Monday a holiday, and excluded from the days counted against a request.

You set a location and a radius, and clocking in outside it is refused with the distance shown. Late minutes and overtime are computed against each person’s own shift, with rest days and public holidays counted as overtime for eligible full-timers. The selfie is off by default and is yours to switch on. We did not think it should be the assumption. Corrections are requested by staff and approved by you rather than a number you quietly change.

Your employee photographs the receipt and the merchant, date and amount are read for them. You approve it, or approve a different amount with a reason they can read. It then becomes a reimbursement line on the next payslip (added to take-home, not to gross), so it correctly attracts no CPF, or you mark it paid directly if you already transferred the money. Either way it posts to your P&L as an expense in its own category, with the receipt attached.

Two to about twenty. Larger will still work, but talk to us first. There is no hard block at any number.

Yes, on the same login, switching between the two from a menu, and neither side can see the other’s data. That is a common situation in Singapore and most HR systems cannot express it at all.

Yes, an employment contract or an MOM key-terms document, pre-filled from the employee’s record, as Word to edit and PDF to sign. Work pass and certificate expiry dates are tracked with reminders before they lapse, and there is an offboarding checklist covering unused leave, open claims, the last payroll run and IR21 for departing foreigners.

Yes. The address book and the pipeline are both part of Pro 365: named stages, the kanban board, the conversation log, follow-up dates, birthdays and CSV import. There is never a per-contact or per-user charge.

Mostly from working. A booking, a shop order or an invoice files the customer for you, and scanning an expense receipt files the shop as a supplier. You can also type someone in or import a CSV.

Partly, and it is worth being precise. You can write a note on a contact and mark it readable by that customer. What they sign in to is their Booking account (a six-digit code emailed to the address they booked with), where they see their appointments, their invoices and any notes you have shared. So the customer-facing half needs Bookings; CRM on its own has no customer login.

Yes. Duplicates are found for you and shown with the reason they matched. Merging moves everything (appointments, invoices, tagged revenue, notes, tags and saved addresses), and you are asked, field by field in plain English, which version survives. Nothing is decided silently, because a merge has no undo.

Yes. Tag a revenue entry to a customer and it shows on their profile as received. Useful when half your work is paid on the spot. Tagging never moves, re-dates or re-categorises the money. It is a label only.

Online appointment booking. Customers open your link, pick a service, then a day and a time you are genuinely free, then where to meet, pay by PayNow and get a confirmation email, and the booking lands on the right customer record. Part of Pro 365, with unlimited bookings. No per-booking fee and no cut of what you are paid.

By PayNow. The QR carries the amount and the booking number already, so the transfer arrives matched. The customer taps to say they have paid and you confirm once you actually see the money. There is no card payment and no gateway, and the QR works without your page ever showing your UEN or mobile number.

Yes, once they sign in with a six-digit code emailed to the address they booked with, no password. That step matters: a booking link is an unguessable address sitting in an inbox, not proof of who is holding it. You decide how close to the appointment changes stay open and how many times one may be moved; set the limit to none and nothing can be changed online. You are never held to those limits yourself.

Bookings works out that a refund is owed, asks the customer for a PayNow mobile number and makes them tick to confirm it is their own before it will take it. They land on your Refunds to send list with the amount and a Copy button. You send the money from your own banking app and press “I have sent it”; they get a receipt by email. You can refund part of it, or record that none is due, that one needs a sentence, because the customer is emailed exactly what you write. Nothing is ever refunded automatically.

Yes, including the rule that a holiday falling on a Sunday makes the following Monday a holiday. You can switch that off if you work holidays, and open specially on one for just the hours you want. The 2027 moon-based holidays are deliberately left out until gazetted, because a guessed holiday would quietly close a day you meant to work.

They do not have to. The calendar opens flexible (every day you can be booked anywhere) and says so. If they do care where, one dropdown narrows it and the month redraws to only the days that place is genuinely possible. Because the place is settled after the time, one working day can run across several of them, with your travel time enforced between each.

Both. Switch on “going to the customer” and they type their address when they book: one line and a postal code. Switch on online sessions and it becomes an option with no address at all, and it costs no travelling time because a video call is wherever you already are. If you never meet anyone in person, that alone is enough to go live.

Yes. Say when it runs once (the days, the time, how long, where and how many places) and different customers fill the places until it is full. The moment you set it up that hour comes off your ordinary booking page every week it runs, so nobody can put a one-to-one on top of you. There is a register with one button to mark everyone present.

Yes. An event day is a date at a fixed place with its own hours, appointment length, rest time, start times and price, none of which touch your ordinary week. It can close your normal hours for those dates so nobody books you in two places at once, and one fair is enough on its own to go live.

A shop link for your Instagram bio. Customers browse your products, add to a cart, pick a collection slot or delivery, pay by PayNow, and the order lands in a queue with their name on it. There is a walk-up version too, for a market stall or a counter, with a queue screen you can put on a tablet.

It is part of Pro 365, with unlimited products and unlimited orders. There is no per-order fee and no cut of what you are paid.

The QR carries the amount and the order number already, so the transfer arrives in your bank matched to the order rather than as an anonymous sum. The customer taps to say they have paid and you confirm once you see it. The code works without your page ever showing your UEN or mobile number.

Yes, from your shop settings, as long as the new one is not taken. Anything already printed or shared on the old link will stop working, so change it before you print rather than after.

Yes, that is stall mode. Print the QR, put it on the table, and people order from their own phone while they queue. No collection slots and no delivery, just a menu, a cart and a PayNow QR, plus a display board for a tablet. You can run a pre-order link alongside it for the rest of the week.

Yes. Set a lead time in days and a cut-off hour, per shop or per product, so a plain loaf can be next-day while a decorated cake needs a week. Dates you are away are blocked out and simply do not appear as slots.

Only one gets it. Stock is decided where the order is written, not in the browser, so the second customer is told it has gone rather than both being confirmed and one disappointed later. The same applies down to the individual combination: the last red medium can sell out while red large keeps going.

Yes, automatically, and you can switch it off. A fulfilled order posts as revenue in your P&L in the right month, with GST split out if you are registered.

It is part of Pro 365: unlimited replies and FAQs, your own colours, training from files and web pages, analytics, the gap-finding scan, and every conversation readable.

It answers from what you gave it: your FAQs, your uploaded documents and the pages you pointed it at. Asked something outside that, it says it does not know and points the visitor at you rather than guessing. It is not perfect, which is why you can read every conversation it has had, word for word, and why reading them for the first fortnight matters.

One line of code, pasted wherever your site lets you add HTML. Wix, Squarespace, WordPress, Shopify and a hand-written site all work, with nothing to install or keep updated. Changes to its answers take effect immediately. The code on your site never has to change again.

No, if you set your domain. The widget checks where it is being loaded from and refuses to run anywhere else, subdomains of yours excepted. Leave it blank and it runs anywhere, which is occasionally what you want for testing.

Attempts to make it forget its instructions or pretend to be something else are caught before they reach the model at all. Somebody who keeps steering it away from your business gets three tries and is then slowed down for an hour with a message pointing them at your real contact details.

Only what you have told it. It reads your FAQs, your uploaded files and your pages. It has no live access to your shop stock, your booking diary or your P&L. If your prices are on a page it has read it will quote them, so keep that page current.

It is part of Pro 365 at S$365 a year, along with every other module. There is no separate compliance subscription and no monthly price for it alone. It needs to see your payroll runs and your financial year end to be useful, so selling it separately would be selling a worse version of it.

No, and that is deliberate. Nothing is submitted to ACRA, IRAS or CPF, and no credential to a government portal is ever held. It tells you what is due, when, and against which financial year, and keeps the paperwork you are supposed to have. The filing stays with you or your corporate secretary.

It computes them from your own financial year end. The ACRA annual return is seven months after it, ECI three months after, the AGM six months after, Form C-S on the thirtieth of November, CPF on the fourteenth of every month, and GST quarterly if you are registered. Change your year end and the whole timeline moves with it.

Because you finalised that month’s payroll run here, which is the same thing as having done it. It is derived from the run rather than written down, so undoing a run un-ticks the deadline. If you submitted CPF outside app.kevinchia.sg you can mark it done by hand.

Five: a written resolution, an AGM waiver, a dividend declaration, a bank account resolution and a spouse employment contract, all pre-filled from your own company details, directors and shareholders, as Word to edit and PDF to sign. It also stops you naming a sole director as the company secretary, which is the classic mistake.

No. The dates are computed from the standard rules and the details you gave. Companies have exceptions (a long first financial year, a dormant company, a change of year end), and deciding how those apply to you is what a corporate secretary or accountant is for. Treat it as a reminder you can act on, not a ruling.

Mostly not, and we would rather say so. ACRA annual returns, AGMs and directors’ resolutions are obligations of companies. The GST and CPF deadlines do apply if you are registered or employ people, and those already appear inside the P&L and payroll modules.

Yes, and it is a real ticket rather than a suggestion box. Every account has a Feedback button; what you write goes into a queue the person who builds the software actually works through. Before you sign up, hello@kevinchiahd.com reaches the same place.

Yes, a straight answer, often the same week, though we do not promise a response time we cannot always keep. You see the reply in app.kevinchia.sg, and the answer is sometimes “no, and here is why”. That is deliberate: a request declined with a reason stops it coming back every month.

Yes. The bar is whether it would help more than one Singapore business. If it would, it gets built into the platform and lands in every account, for Pro 365 subscribers at no extra cost. If it is specific to just your business we will say so honestly rather than take your money for it. Paying customers get priority; anyone may ask.

Not on Pro 365. “Every module we build afterwards” is part of what you paid for, and it is why there is one plan rather than a stack of add-ons. Compliance, the staff portal and GST reporting all started as somebody’s report and shipped to everyone.

Constantly, and mostly from what people ask for. The changelog is the product itself: things appear in your account without you doing anything, and nothing you already use is taken away to sell back to you.

Ask through the Feedback button, or email hello@kevinchiahd.com before you sign up. We check whether it can be done and tell you straight. If it can, you subscribe, by card or PayNow, we build the connection and you try it on your own account. If we cannot make it work, you get your money back.