Free on every account, including the free one. No card.Start free

Balance sheet

Where you stand.
Any day of the year.

What the business owns, what it owes, and what is left for you. Worked out from the same receipts as your P&L, today rather than months after year end.

Start free See how it works

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

Balance sheetas at 31 Dec 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.

No journal entries. No chart of accounts. Nothing typed twice.

Set it up once.
Read it whenever you like.

01

Pick a start date

Any day you like. Everything before it stays in your P&L as it is, with nothing to redo.

02

Tell it where you stood that day

What was in the bank and in cash, and what the business owed. Equipment comes from your asset register. It reads the owner’s funds back before you save.

03

Keep running the business

Receipts, sales, invoices and payroll keep it current on their own. Loans and money you put in are asked in plain words.

04

Open it on any date

Today, the end of last quarter, or the day the bank asks. It checks that it adds up every time.

How it keeps itself current

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 beside it 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
Shows that it adds up
Every time you open it
When they hand it over
Equipment after depreciation
From your asset register
Worked out at year end
Checked against your bank
Whenever you open it
At year end
Unpaid supplier bills 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
Your starting numbers1 Jan 2026
Money in the bankS$14,200
CashS$600
Equipment, from the asset registerS$22,000
LoansS$25,000
Paid-up capitalS$10,000

So on 1 Jan 2026 the business owned S$36,800 and owed S$25,000, which leaves S$11,800 as the owner’s funds. Of that, S$10,000 is paid-up capital and S$1,800 is profit kept from before.

It reads your numbers back in a sentence before you save.

Owner’s funds31 Dec 2026
Paid-up capitalS$10,000
Profit kept from before 1 Jan 2026S$1,800
Profit since 1 Jan 2026S$84,420
Dividends paid(S$37,840)
TotalS$58,380

What is left for the shareholders.

A sole proprietor sees money put in and taken out instead.

Features

Everything in it.

What the business owns

  • Money in the bank and cash, kept apart
  • Equipment after depreciation, from the asset register
  • Stock at what it cost, once you use Snap Inventory
  • Anything else it owned on your start date

What it owes

  • Loans, going down as you repay them
  • Money owed to a director, including things they paid for with their own money
  • GST owed to IRAS: collected, less claimed, less what you have paid
  • A refund due from IRAS shown as such when GST goes the other way

The owner’s funds

  • For a company: paid-up capital, profit kept, profit since, dividends paid
  • For a sole proprietor: what you had in, money put in, profit, money taken out
  • A check that it adds up, shown on the page every time

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
  • Your numbers read back in a sentence before you save

Reading it

  • Any date you choose, not only the end of the year
  • Customers who owe you shown beside it, from unpaid invoices
  • A warning when bank or cash goes below zero, with where to look
  • Compare against your bank app and see how far out it is

Where the numbers come from

  • Your P&L, the same rows, never typed twice
  • Bookings, shop orders, invoices, payroll and claims posting on their own
  • Loans, owner money and GST paid asked in plain words

Everything auto accounting does   The P&L

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 a paid 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.

See Pro 365 What it includes

Questions

Frequently asked.

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

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

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 include money customers still owe me?

It shows it beside the balance sheet rather than inside it, the same way your P&L counts a sale when it is paid. Stock is on it once you use Snap Inventory.4

Do I need to understand accounting to set it up?

No. It asks what was in the bank, what was in cash and what the business owed on your start date, and reads the answer back in a sentence before you save. Anything after that is asked in plain words.

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

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.

Start free, no card See auto accounting
  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 is on it once you use Snap Inventory, valued at what it cost. Unpaid supplier bills are next on the list, and a business that needs them moves them up: ask through the Feedback button.