Singapore · ACRA, IRAS & MAS compliant

Your full finance team. Powered by agents, led by humans.

From company incorporation to month-end close, we combine qualified Singaporean accountants with agentic AI — so your books, taxes, and compliance are always accurate, on time, and audit-ready.

Get instant pricing → Explore our services
4 days → 3hAvg. month-end close
99.2%First-pass accuracy
8Countries covered
Regulator
ACRA · IRAS · MAS
Singapore
Corporate tax
17%
SUTE relief for startups
VAT / GST
9% GST
Register above S$1M turnover
Reporting standard
SFRS
Singapore Financial Reporting Standards
Operating in
Two tracks, one partner

Traditional accounting rigour, with agentic AI on top.

Qualified local accountants handle judgement, compliance, and relationships. Agentic AI handles volume, reconciliation, and real-time reporting. You choose how much of each — we scale it either way.

Track 01 — Manual accounting

Qualified humans, classical accounting.

Chartered accountants who know their local regulator inside out — ACRA, DGT, SSM, DBD, MCA, and more. Statutory filings, audit coordination, and advisory.

  • Company incorporation & corporate secretarial
  • Annual compliance & statutory registers
  • Corporate tax, VAT/GST, personal tax, transfer pricing
  • Audit preparation & coordination with auditors
  • Fractional CFO advisory & fundraising support
See all services →
Track 02 — Agentic AI

AI agents, running in the background.

Autonomous agents that categorise transactions, reconcile banks, flag anomalies, and draft management reports — 24/7, not just at month-end.

  • Real-time transaction categorisation & reconciliation
  • Anomaly detection on cashflow, AR, and AP
  • Month-end close automation — hours, not days
  • Variance commentary & board-ready packs
  • Xero, QuickBooks, Deskera, MYOB integrations
See our AI agents →
Our AI agent library

We don't just talk about AI. We've built it.

These are agents we've built, tested, and deployed in production — not slideware. Each one replaces a specific finance workflow that used to eat days of manual effort every month.

Live

Month-End Close Agent

Reads Xero exports and populates actuals across six interconnected workbooks — Revenue Budget, P&L Model, Balance Sheet Inputs, Cost Drivers, CEO Deck, and Performance Data.

Production result
~4 days → under 3 hours per close
  • Ingests Xero P&L and Balance Sheet exports
  • Maps accounts & populates all six sheets
  • Flags variances above materiality thresholds
  • Human review & approval before finalisation
Live

Monthly Reporting Agent

Generates comprehensive 25+ page management reports from variance exports, balance sheet data, and narrative notes — board-ready in under an hour.

Production result
25+ page report, fully drafted in under an hour
  • Pulls variance and balance sheet data
  • Auto-generates commentary on material movements
  • Assembles cover, exec summary, appendices
  • Output as Word or PDF, ready for board review
Live

Debt Settlement Agent

Rolls forward the monthly debt settlement workbook from Xero exports — extending aged payables, creditor breakdowns, and settlement tracking without breaking linked formulas.

Production result
Hours of roll-forward work, now minutes
  • Parses Balance Sheet and Creditor files
  • Extends monthly schedules without breaking links
  • Categorises creditors by aging bucket
  • Flags overdue settlements above threshold
Live

Budget Update Agent

Updates the budget workbook with latest actuals, refreshes variance analysis, and rebuilds rolling forecasts based on year-to-date performance.

Production result
Always-current forecast, weekly not quarterly
  • Pulls latest actuals from accounting system
  • Updates budget vs actual variance columns
  • Adjusts rolling forecast based on YTD trends
  • Flags lines where forecast needs human review
Live

Transaction Categoriser

Reviews every bank and credit card transaction as it lands, proposes the correct GL code, and flags anomalies — duplicates, unusual amounts, unknown vendors — for human review.

Production result
~95% auto-categorisation after 30-day ramp
  • Reads new transactions from bank feeds
  • Proposes GL code based on vendor and description
  • Flags unusual amounts or first-time vendors
  • Queues low-confidence items for bookkeeper review
On request

Custom Agent Development

Got a workflow that eats your team's time every month? We build custom agents — revenue recognition, intercompany reconciliation, commission calculation, project profitability.

Typical engagement
2–4 weeks from scope to production
  • Discovery call to map the manual process
  • Scope & fixed-fee quote within 48 hours
  • Build, test, and deploy with your team
  • Ongoing refinement as data patterns evolve

Every agent runs in your environment, not ours. Data never leaves your systems. Every action is logged, reviewable, and approved by a human before it's final. Own the work, own the data.

Discuss your automation needs →
Services

Everything a business needs, under one roof.

Seven service pillars covering the full lifecycle — from incorporation to ongoing compliance and CFO advisory. Each can be engaged standalone or bundled.

01

Company incorporation

Start your business the right way.

Full incorporation process — name search, entity setup, constitution, directors, bank account guidance. Foreign founders, we cover work visa advisory too.

  • Pte Ltd, Sdn Bhd, PT, Ltd, or equivalent
  • Registered office address provision
  • Corporate bank account guidance
  • Work visa & director advisory
02

Annual compliance

Stay compliant. Never miss a deadline.

We manage your full compliance calendar across jurisdictions — penalties and struck-off risk never your problem.

  • Annual return filing with local regulator
  • AGM preparation & documentation
  • Statutory registers & records
  • Director, shareholder & address changes
03

Bookkeeping

Accurate books. Real-time visibility.

Experienced bookkeepers paired with AI agents that categorise, reconcile, and flag anomalies 24/7.

  • Day-to-day transaction recording
  • Multi-currency bank reconciliation
  • AR / AP management
  • Xero, QuickBooks, Deskera, MYOB
04

Taxation

Optimise your position. Stay compliant.

Corporate tax, VAT/GST, personal tax, transfer pricing — full compliance plus every relief you're entitled to.

  • Corporate income tax filing
  • VAT / GST / SST returns
  • Start-up tax relief applications
  • Transfer pricing documentation
05

Audit preparation

Audit-ready, all year round.

Financial statements to local standards — SFRS, PSAK, MFRS, TFRS, VAS, SLFRS, BFRS, Ind AS — prepared continuously.

  • Financial statements to local standards
  • Fixed asset registers & depreciation
  • Intercompany reconciliations
  • Post-audit adjustment support
06

Fractional CFO

CFO guidance, without the full-time cost.

Senior financial leadership on a flexible basis — strategy, forecasting, board reporting, fundraising readiness.

  • Cashflow & runway forecasting
  • KPI dashboards & board packs
  • Fundraising models & data rooms
  • M&A & due diligence support
07

Payroll management

Accurate, compliant, on time.

Payroll is more than salaries — CPF, BPJS, EPF, PF/ESI, social insurance, withholdings. We run the full monthly cycle.

  • Monthly payroll & payslip generation
  • Local social security computation
  • Year-end income tax filings
  • Tax clearance for departing employees
—

Build your quote in 60 seconds

No calls, no waiting for a quote.

Use our calculator below to pick the services you need and see your exact monthly fee — no quotation request needed.

Go to the calculator →
The agentic difference

Traditional firms vs. Agentic CFO.

We're not an accounting firm that bolted AI onto the side. We're a tech-enabled finance partner where humans and agents work side by side by design.

Feature
Traditional firm
Agentic CFO
Technology stack
Manual, spreadsheet-heavy
AI agents + human expertise
Reporting cadence
Monthly or quarterly
Real-time dashboards
Pricing transparency
Hidden until you ask
Instant online calculator
Regional coverage
Single jurisdiction
8 countries, one partner
Compliance tracking
Reactive, deadline-driven
Proactive, automated alerts
System integration
Limited, one platform
Xero, QuickBooks, Deskera, MYOB
How we work

Four steps from introduction to autopilot.

Onboarding is fast because we've done this hundreds of times. Most clients are fully live — AI agents included — within 14 days.

STEP 01

Pick your services

Use our calculator to select services and see pricing instantly — or book a discovery call if you want a conversation first.

STEP 02

Confirm & sign

We send a simple engagement letter within 24 hours. No long sales cycles, no pushy follow-ups.

STEP 03

Onboarding & setup

We connect your systems, configure AI agents, clean up historicals, and set up your chart of accounts.

STEP 04

Live & running

Monthly deliverables on fixed dates. Real-time dashboards. A named human contact for everything else.

Pricing calculator

Pick your services. See your price instantly.

Pricing auto-adjusts for your selected country. All prices are monthly recurring unless marked "one-time" — new businesses typically pay setup one-time plus a recurring monthly fee.

Prefer a ready-made bundle?

Three popular combinations, pre-priced for common business stages.

Starter

Just incorporated

For newly incorporated companies & micro-businesses.

—
  • Company incorporation
  • Annual return filing
  • Monthly bookkeeping (up to 50 txns)
  • Form C-S Lite corporate tax
  • Payroll — up to 5 employees
  • Email support
Most chosen
Growth

Scaling SME

For SMEs scaling operations with active revenue and payroll.

—
  • Everything in Starter
  • Bookkeeping (51–200 txns)
  • Quarterly GST filing
  • Audit preparation support
  • Payroll — up to 15 employees
  • Fractional CFO — light
Scale

Funded & multi-entity

For funded startups, larger SMEs, and group structures.

—
  • Everything in Growth
  • Bookkeeping (201–500 txns)
  • Form C corporate tax
  • Transfer pricing docs
  • Payroll — up to 30 employees
  • Fractional CFO — standard
  • AI agents (setup + monthly)

Send me this quote

We'll email you the full breakdown along with a confirmation within 24 hours.

Frequently asked

Common questions, direct answers.

We currently operate across eight markets: Singapore, Indonesia, Malaysia, Thailand, Vietnam, Sri Lanka, Bangladesh, and India. Each country has qualified local professionals handling statutory work, while our AI infrastructure, CFO advisory, and reporting agents are shared across all jurisdictions.

The calculator gives you an indicative estimate that's accurate for about 90% of engagements. For unusual complexity — unusual entity structures, multi-jurisdiction groups, specific industry regulatory overlays — we may confirm a ±10% adjustment in the engagement letter. You'll know the exact number within 24 hours of submitting.

Prices reflect local salary costs and regulatory complexity. Indonesia, Vietnam, Sri Lanka, Bangladesh, and India are generally 40–60% lower than Singapore. Malaysia and Thailand typically 70% of Singapore pricing. The calculator applies these automatically when you switch country.

Yes — this is one of our strongest areas. We handle intercompany eliminations, FX translation, and group consolidated reporting for clients operating in two or more of our countries. Each entity is maintained in its local reporting standard, then consolidated to IFRS or the parent country's standard.

Yes. All AI agents run inside your own accounting environment — we don't move your data to third-party training systems. Every agent action is logged, reviewable, and approved by a human before anything is finalised. You own your data end-to-end.

Yes. If you have a repetitive, rules-driven finance workflow that eats time every month, we can likely automate it. Custom engagements go from discovery call to production in two to four weeks. Add "Custom AI agent development" in the calculator, or contact us to scope your specific use case.

Absolutely. We help foreign companies establish and manage operations across our eight markets — from incorporation and work visa advisory through to ongoing accounting, tax, and payroll. Many of our clients never set foot in the region; we handle everything remotely.

Offices

A partner you can actually visit.

Our headquarters is in Singapore. In our other seven markets we work hand-in-hand with qualified local accounting partners we've vetted and trust — so your statutory work is always done by someone on the ground, while our AI infrastructure, CFO advisory, and reporting agents stay consistent across every jurisdiction.

Headquarters

Singapore

OTONOMUS PTE. LTD.
UEN 202601401R
Address
60 Paya Lebar Road, #06-28
Paya Lebar Square
Singapore 409051
Email
hello@agenticcfo.com
Phone
+65 8511 2044

Switch country to see details

Click any country below to switch — pricing, regulatory context, and office details update for that jurisdiction.

    Ready to start?

    Finance that runs quietly, so you don't have to.

    Whether you're just incorporating or scaling across Southeast and South Asia — pick your services above and see your price instantly, or book a 20-minute call first.

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