A Yi. Suite product · free AI bookkeeping for Singapore SMEs

Free AI bookkeeping, built for Singapore SMEs.

Upload your bank statement. Yi reads every line. IRAS flags are caught. Grants you qualify for are surfaced. Three clean reports drop out. No GST registration. No accountant retainer. No SaaS subscription. Just bookkeeping for owners - and the data your future auditor can read 100% of.

Start free See how it works
$0
forever
100%
transaction coverage
6
languages
4
SG entity types
Yi.zy dashboard - Available Cash for Business panel, deposits and withdrawals, GOOD JOB! pill

Sample dashboard - Grandma's Kitchen. Available cash, planned investments, monthly averages, savings rate. All on one screen, on your phone.

Who Yi.zy reaches

The three groups nobody else can.

Yi.zy exists because Singapore's smallest businesses fell through every other tool. Too small for accountants. Too confused for Xero. Too lax to pay for SaaS. We built for them.

01

Too small for an accountant

The retainer doesn't make sense at your revenue. A solo printer, a kopitiam, a one-truck mover - you can't justify $300/month for someone else to type your bank statement.

02

Too confused for Xero / QuickBooks

Those tools are built for accountants, not owners. "Reconcile" / "debit" / "trial balance" - if these words don't live in your daily vocabulary, the tool fights you.

03

Too lax to pay for anything

Singapore's simplified reporting rules give SP / Partnership owners real wiggle room. So you've been doing it on a notebook. Yi.zy meets you there - for free.

How Yi.zy works

Upload, review, file with confidence.

Four steps. Yi does the first two. You confirm the third. The fourth is what every SG owner has been dreading - made simple.

1

Upload statement

Bank statement CSV from your internet banking. Or Bizfile PDF for onboarding.

2

Yi reads every line

Categorisation, IRAS flags, missing invoices, S19A capital allowance, grant detection - all in one pass.

3

You review & confirm

Click through Yi's suggestions. Override what's wrong. Yi learns. Save to your books.

4

Three reports drop

Cashflow P&L, Net Business Income (IRAS-sensible), Consolidated Cash Flow. Reference for filing.

What's inside

More than bookkeeping. A whole back-of-house.

Yi.zy started as a bookkeeper. It's grown into a complete owner's toolkit - growth audits, prompt libraries, grant detection, FRS-aware closing checks.

Three reports

Cashflow P&L (raw), Net Business Income (IRAS-allowable), Consolidated Cash Flow (bank + CC, no double-count). Each with FAQ + 14 term explainers (SIMPLE / PRO toggle).

  • Period drill-downs to source transactions
  • Material categories highlighted
  • Disallowed items clearly separated

Singapore tax savings

DTDi (200% deduction, S$150k cap tracked live), MRA Grant sub-panel, SUTE auto-detected from incorporation date, S19A capital allowance, PSG flagged.

  • Spend tracked against caps in real time
  • SUTE years remaining displayed
  • Pre-approval flags where required

Business Growth Audits

6 pillars (Sales / Marketing / Ops / HR / Tech / Finance). 5 named frameworks (Theory of Constraints / Lean / E-Myth / RACI / Capacity). Educational-first - we teach the model, not just check the box.

  • Funnel audit (5 self-audit questions)
  • Operational maturity (5 frameworks)
  • HR × pillar flywheel intersections

AI Playbooks (4 archetypes)

Copy-paste prompt library: E-commerce, Trading, Consulting, Retail. Each with 5 prompts (diagnose + plan) and embedded SG industry % benchmarks (cafe rent 15-22%, consulting staff 50-65%, etc.).

  • Consultants charge $8k-25k for this kind of analysis
  • You bring the AI, we bring the structure
  • SG anchors baked in

Closing Your Books

5 sub-sections covering everything bank statements miss: 11 recurring-payment buckets, catch-all category alerts, director / shareholder / owner classification, 10 FRS-anchored accrual cards, FRS 2 inventory rules.

  • 2× / 0.5× outlier flagging
  • Materiality-threshold drill-downs
  • FRS 16 / 19 / 21 / 23 / 37 / 115 awareness

Conversational onboarding

Comic-styled chatbot, not a form. Drop a Bizfile PDF - Yi extracts entity, directors, shareholders, asks "which one are you?". Or chat your way through 12 SG bank chips.

  • Bizfile auto-extracted, owner-confirmed
  • 4 entity types canonicalised
  • Freelancer fast-path (no UEN required)
The stack

The engineering Yi.zy quietly runs on.

It looks playful. It's not. Underneath is the same engineering rigour Yi. Suite ships in its paid products - turned loose on every owner, free.

Live Population review

100% transaction coverage

Yi reads every line in your statement. Not a sample. Every category, every flag, every disallowable, every grant opportunity - on the whole population.

  • Field-level validation per row
  • Missing-invoice detection on deposits
  • Re-analyse on every prompt improvement
Live Outlier surfacing

Anomaly detection

11 recurring-expense buckets watched continuously. Monthly outliers at 2× or ½× the average get flagged. Missing months caught. Stuck patterns surfaced.

  • 12-month grid per bucket
  • "Likely missed" alerts
  • Period-over-period drift visible
Live Precision checks

Categorisation accuracy

Catch-all categories above materiality flagged. 70%+ concentration in one bucket triggers a "needs split" nudge. Travel transactions scanned for Grab / MRT keywords (DTDi-weakening).

  • "Other" / "Misc" / "Sundry" flagged
  • S-plate vs non-S-plate vehicle split
  • Local-transport miscategorisation scan
Live Google Cloud

Vertex Gemini 2.5

Region-pinned to asia-southeast1 (Singapore) for PDPA defensibility. No training on your data. Cloud Audit Logs on every call. Application Default Credentials - no API key on disk.

  • Structured JSON output, every call
  • Confidence-gated fallbacks
  • Pro for PDFs, Flash for structured calls
Live SG-native

FRS & IRAS aware

Owner CPF disallowed, S-plate disallowed, Entertainment 50%, Medical 1-2% capped, S19A applied. FRS 2 / 16 / 19 / 21 / 23 / 37 / 38 / 115 cited on accrual & inventory cards.

  • Rules applied at categorisation, not after
  • Materiality-threshold drill-downs
  • Director / Shareholder / Owner classification
Live Built for Singapore

6 languages

EN · 中文 (简体) · Bahasa Melayu · Tiếng Việt · 日本語 · 한국어. The owners who fell through SaaS tools often did so because the language didn't fit. Yi.zy speaks theirs.

  • Selection persists across sessions
  • Brand names protected (no morph)
  • 50/50 demo flip on the public preview
Under the hood
SG
Region-pinned dataasia-southeast1 only. PDPA-defensible. Your books stay in-region.
JS
Structured JSON enforcedresponse_mime_type forced, thinking disabled on extractions. No truncated outputs.
+/-
Append-only eventsEvery classification, every override, every save - logged. Full audit trail.
2W
Bizfile freshness ruleBizfile uploads accepted up to 2 weeks old. Stale data caught at the door.
!=
No data export to trainVertex AI doesn't train on your inputs. Your IP stays yours.
SQ
Auto-migrating SQLiteSchema evolves with the app. No downtime, no DBA, no Saturday-night migrations.
For the auditors reading this

Audit was supposed to be for every business.
Now it can be.

For decades, audit has been sampling-based - the auditor checks 5-10% of transactions and uses statistics to infer about the rest. Anything more was too expensive. So Singapore (like everywhere else) gave smaller companies exemptions, and an entire generation of SMEs grew up without audit rigour at all.

That's why your books look like yours and not your competitor's: you've been alone with them.

Yi.zy changes the substrate underneath. Every transaction is read by AI, categorised, cross-checked against IRAS rules, FRS standards, and the population of your other transactions. Missing invoices, miscategorised items, catch-all bucket drift, period-over-period anomalies - surfaced automatically. Not on a 5% sample. On the 100%.

Yi.zy doesn't replace your auditor.
It gives them - and your future auditor at ET Management - a 100% population to work from instead of a 5% sample.

That's how audit comes back to SMEs.

If you're an auditor, a regulator, or a finance lead reading this: we'd love a 30-minute conversation. The data substrate is here. The AI-assisted audit service is what comes next.

Singapore-native

Built where you file.

Yi.zy was made by accountants who actually file in Singapore. IRAS rules and ESG / IRAS grant programmes are first-class citizens - not afterthoughts bolted onto a global SaaS.

IRAS rules applied automatically

The 7 traps that burn SG SMEs.

  • ✕
    Owner / Partner salary & CPFFully disallowed - not a deductible business expense.
  • ✕
    S-plate car expensesPetrol, parking, road tax, insurance - fully disallowed.
  • !
    EntertainmentOnly 50% deductible. Auto-split at categorisation.
  • !
    Medical expensesCapped at 1-2% of total remuneration. Flagged for review.
  • ✓
    Computer purchasesS19A 1-year full write-off - flows through P&L naturally.
  • !
    Other equipmentS19A 3-year spread applied (1/3 per year). Confirmation prompted.
  • !
    Missing invoices on depositsFlagged for follow-up before close.
Grants & schemes surfaced

The money most owners miss.

  • $
    DTDi (200% deduction)Overseas travel + e-commerce / digital ads. S$150k shared cap tracked live.
  • $
    MRA Grant3 per-activity sub-caps (S$20k / S$50k / S$30k). ESG pre-approval status tracked.
  • $
    SUTEStart-up Tax Exemption auto-detected from Bizfile incorporation date. Years remaining shown.
  • $
    S19A capital allowance1-year (computers) vs 3-year (equipment) spread strategy.
  • $
    PSG (50% subsidy)Pre-approved digital solutions. Cannot be backdated - flagged clearly.

Free, for life. For real.

Yi.zy is built and maintained by ET Management - because Singapore's smallest businesses deserve real tools, not afterthoughts. When you outgrow Yi.zy, you already know who to call.

Start free at yizy.3v3.ai → For auditors
Free forever · PDPA-defensible · Singapore-built