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Auto accounting & balance sheet

Your P&L already
knows the rest.

Upload your receipts and the balance sheet writes itself. What the business owns, what it owes, and what is left for you. No journal entries, no chart of accounts.

Enough to run the business on, to answer IRAS, and usually enough for a bank or a landlord.3

Balance sheetas at 30 Sep 2026
What the business ownsS$81,940
Money in the bankS$62,480
CashS$1,260
Equipment, after depreciationS$18,200
What it owesS$23,560
Bank loanS$18,000
GST owed to IRASS$5,560
Owner’s fundsS$58,380

✓ It adds up. Owns, minus owes, equals the owner’s funds.

Worked out from the same receipts as your P&L. Nothing typed twice.

Answer a few questions.
It keeps the rest.

01

Pick a start date

Tell it what was in the bank and in cash that day, and anything the business owed. It works out the owner’s funds from those numbers.

02

Say where the money came from

Bank, cash or your own pocket, on any receipt. Bookings, shop orders and invoices paid in cash already know, so there is nothing to mark.

03

Record what is not profit

A loan in, a repayment out, money you put in or took out, cash moved to the bank. It asks what happened in plain words and books it correctly.

04

Check it against your bank

It shows what it thinks is in the bank. Type what your bank app says and it tells you how far out it is, which is how a missing receipt gets found.

What comes out of
one year of receipts.

Year to 31 Dec 2026
RevenueS$486,200
Expenses, incl. depreciationS$401,780
Net profitS$84,420
Money in the bankS$62,480
Loans outstandingS$18,000
GST owed to IRASS$5,560
Owner’s fundsS$58,380

It answers IRAS. The profit and loss is the one your Form C-S computation is worked out from, with GST split and your tax adjustments kept. You file it; the figures are already assembled.2

It usually answers a bank. A profit and loss and a balance sheet from the same records, signed off by the directors, is what a small business loan application asks for. Take them to the bank as they are.3

It usually answers a landlord. When a new lease asks whether the business can pay the rent, you can show them what it earned and what it owns, today rather than after year end.3

How we compare

Snapbook vs a spreadsheet
and a year-end accountant

Most small businesses see a balance sheet once a year, months after the year it describes. This keeps one current the whole year, from the records you already keep.

Snapbook
Spreadsheet + accountant
A balance sheet on any day of the year
Yes
Once a year, after they finish
Loans, owner money and GST paid
Asked in plain words
You explain it to them
Checked against your bank
Whenever you open it
At year end
Journal entries or a chart of accounts
None
Theirs
Unpaid supplier bills and stock on the balance sheet
Money received and paid4
Yes
Who signs it off
Your directors
Your directors, after the accountant
What it costs
Free on every account, with the P&L
Their fee, every year

Price

Free, with the P&L.
On every plan.

The balance sheet comes with the accounting. A paid plan only changes how many receipts you can scan in a month.

Free
S$0
forever, no card
  • The balance sheet, and everything on this page
  • The full P&L, GST F5 and Form C-S
  • 20 receipt scans and 5 invoices a month1
Start free
P&L
S$10 / month
billed monthly · or in Pro 365
  • 100 receipt scans a month
  • Unlimited invoices
  • Everything in Free, with the limits lifted
Start free, upgrade later
Record money in or out
What happened?Money I put in
As what?A loan to the company
IntoThe bank
AmountS$10,000

The bank goes up by S$10,000, and the company owes the director S$10,000 more. It is not income.

It asks what happened, never which account to debit.

Does this match your bank app?
Snapbook thinksS$62,480.00
Your bank app saysS$62,345.40
Out byS$134.60

Probably a receipt that has not been uploaded yet, or one paid in cash.

A missing receipt shows up as a difference, not at year end.

Features

Everything in it.

The balance sheet

  • What the business owns : bank, cash, equipment after depreciation, anything else
  • What it owes : loans, money owed to a director, GST owed to IRAS
  • The owner’s funds, split into what was put in and the profit kept
  • A check that it adds up, shown on the page every time
  • Any date you choose, not only the end of the year

Setting it up

  • A start date you pick, with nothing before it to redo
  • Opening numbers in plain questions : bank, cash, loans, what else it owned
  • Company or sole proprietor, and only the questions that apply to you
  • Equipment filled in for you from the asset register

Where money came from

  • Bank, cash or your own pocket on any receipt
  • Cash bookings, shop orders and invoices already marked as cash
  • Paid with your own money becomes money the company owes you, or capital you put in
  • A warning when bank or cash goes below zero, with where to look

Money that is not profit or loss

  • Loans in and repayments out, never counted as income or expense
  • Shares or a director’s loan when a company owner puts money in
  • A dividend or a repayment when a company owner takes money out
  • Capital and drawings for a sole proprietor
  • Cash moved to or from the bank

GST and assets

  • GST owed to IRAS, collected less claimed, kept current
  • Record paying IRAS at quarter end, so it comes off what you owe and never counts as a cost
  • Move a receipt to assets in one tap, with the input tax still claimed
  • Sell or write off an asset, with the gain or loss worked out before you save

Checking and exporting

  • Compare against your bank app and see how far out it is
  • Customers who owe you shown beside it, from unpaid invoices
  • P&L, revenue, expenses and GST lists export to CSV, exactly as on screen
  • Ask your own numbers a question in plain English, on every plan

Everything the P&L does

This is not the end
of this module.

Ask for something and it gets built. Every account has a Feedback button that raises a real ticket, read by the person who writes the code. If it would help more than one Singapore business it goes into the module and lands in every account, usually by the next working day.

Need it to work with a tool you already use? Ask the same way. We check that it can be done and tell you straight. 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.

Before you sign up, [email protected] reaches the same place.

From a customer

“An entry point for a small start-up, without being overwhelming.”

“Looking for an easy way to manage my small business, I came across Snapbook.AI. This solution has an entry point for a small start-up, not overwhelming, while having more sophisticated features for future scaled-up operations. Had a chance to speak to the founder Kevin and was greatly encouraged that he listens to his clients, big or small, and is always open to see how he can improve the client experience. Snapbook.AI not only provides a solution, but provides the relationship management as if you are a big corporate. Very glad to chance upon this software.”

Shirley Ong · Pangolin Creatives Pte Ltd

Read every review

It does not stop at accounting

Everything else feeds the same balance sheet.

A confirmed booking, a shop order, a paid invoice, a payroll run and an approved staff claim all land in your P&L on their own, and the balance sheet follows. The more of the business runs here, the less there is to record by hand.

Sale or expense In the P&L Bank or cash Balance sheet

Pro 365 is every module for S$365 a year, plus every module we build after you subscribe.

Questions

Frequently asked.

Is this proper accounting?

It is enough accounting to run a small business on. You get a real profit and loss, GST worked out and a balance sheet that adds up, all from money actually received and paid. It is not built to replace an accounting package for a business with a finance team, and it does not ask you to learn one.4

Is it enough for IRAS?

For most small businesses, the figures are. The profit and loss feeds the Form C-S page, which works out chargeable income and tax payable with the exemptions applied, and the GST F5 boxes come from the same lines. You still file it yourself, and nothing is submitted for you.2

Will a bank accept it for a loan?

For a small business, usually yes. A bank wants a profit and loss and a balance sheet from the same records, signed off by the directors, and that is what this produces. In our own businesses, those same two statements, signed off by the directors, have been enough for a S$800,000 property loan and for a lease at S$20,000 a month. Each bank still has its own checklist, so ask yours what it wants to see.3

A landlord wants to see our accounts. Is this enough?

Usually, yes. A landlord wants to see that the business earns enough to pay the rent and what it owns and owes. This shows both as of today, ready for the directors to sign off.3

Do I need to understand double entry?

No. It asks what happened, in plain words: did you put money in, take some out, borrow, or move cash to the bank. It books both sides for you and shows you a sentence saying what changed before you save.

What if I only start using it halfway through the year?

Pick a start date and tell it what the business had and owed that day. Everything before it stays as it is in your P&L, and the balance sheet runs from there.

Does it cost extra?

No. It comes with the P&L on every account, including the free one. A paid plan changes how many receipts you can scan, not whether you get a balance sheet.1

Can it connect to another tool I use?

Ask through the Feedback button. 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. If we cannot make it work, you get your money back.

Know where you stand,
any day of the year.

Upload this month’s receipts, answer a few questions, and you have a balance sheet. Free on every account.

  1. The balance sheet is included with the P&L on every account, including the free tier. Free: 20 receipt scans and 5 invoices per calendar month, no card and no time limit. The P&L plan at S$10 a month lifts this to 100 scans and unlimited invoices; both are also included in Pro 365 at S$365 a year.
  2. Tax and GST figures are computed from the transactions and adjustments you enter. This is not tax or accounting advice and it is not a filing service: Snapbook does not submit anything to IRAS on your behalf. Figures shown in the screens on this page are illustrative.
  3. Every bank and landlord sets its own requirements, so check with the one asking. For a small business, accounts signed off by the directors are usually what is asked for; the S$800,000 loan and S$20,000-a-month lease mentioned on this page are our own, not a customer’s; those accounts were prepared in another accounting package before Snapbook had a balance sheet, and are not a promise of any outcome.
  4. The balance sheet works from money actually received and paid. Invoices your customers have not yet paid are shown beside it rather than inside it. Stock and unpaid supplier bills are next on the list, and a business that needs them moves them up: ask through the Feedback button.