lyf incld

Automated accounting software · Singapore

Automated accounting software that stops short of "no human in the loop".

Automated accounting software for Singapore SMEs should remove the manual re-keying, not the accountability. Accountant Included automates the drafting: invoices, bank lines, payroll journals, and PEPPOL messages route into a coded review queue. The human approves, posts, and signs. The audit trail preserves the reasoning and the source for every posted entry.

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What gets automated

Drafting, coding, classification, and the F5 review pack.

The product automates the work that does not need judgment: extracting invoice data, suggesting account treatments against SFRS, classifying GST supplies, reconciling bank lines, and assembling the F5 review pack from already-coded evidence. The work that does need judgment stays in the review queue.

  • Invoice and receipt data extraction with the source preserved.
  • Account coding suggestions against the SFRS-aligned chart of accounts.
  • GST supply classification with the rule cited.
  • Bank-line reconciliation against expected counterparties.
  • F5 review pack assembly from coded transactions and source evidence.

What stays human

Judgment calls, locked periods, and the final sign-off.

The product does not auto-post low-confidence, duplicate, locked-period, or cross-currency cases. They surface in the review queue with the amount, counterparty, plain-English treatment, confidence, risk flags, reasoning, and source attachments. A human decides, and the decision is preserved in the audit trail.

The Singapore operating surface

Automation has to fit the local standards, tax cycle, and e-invoicing timeline.

Automated accounting software for Singapore is only as useful as its fit with the local operating surface. The Accountant Included launch scope covers the Singapore Financial Reporting Standards, IRAS GST at 9%, the F5 quarterly return, InvoiceNow and PEPPOL for GST-registered businesses, and import paths for Singapore bank feeds and payroll journals.

  • SFRS-aligned chart of accounts and reasoning.
  • 9% GST, zero-rated and exempt classification with the rule cited.
  • IRAS F5 review-pack assembly, with human sign-off kept in the workflow.
  • InvoiceNow / PEPPOL intake as a planned adapter.
  • Bank CSV and statement uploads as the always-available import path.

What it does not do

It does not file on your behalf, and it is not a tax agent.

Accountant Included automates the drafting and the review-pack work. lyf • incld is not a tax agent, and the agent does not transmit returns to IRAS. The filing decision and the filing itself remain with the business and, where used, a qualified adviser.

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Frequently asked questions

What is automated accounting software?

Automated accounting software turns source material — invoices, bank lines, receipts, payroll journals, e-invoices — into coded accounting work with less manual re-keying. Useful versions of the category keep a human in the approval loop, preserve source evidence, and produce a reasoning trail so a reviewer can answer "why was this posted this way?"

What does Accountant Included automate?

The launch scope automates invoice and receipt data extraction, account coding suggestions against an SFRS-aligned chart, GST supply classification, bank-line reconciliation, and F5 review-pack assembly. The review queue keeps the human in charge of judgment calls, locked periods, and the final sign-off.

Does it file my F5 with IRAS?

No. The product prepares the F5 review pack from coded transactions and source evidence. The filing itself remains the responsibility of the business and, where used, a qualified tax agent. lyf • incld is not a tax agent.

How does it handle InvoiceNow and PEPPOL?

InvoiceNow and PEPPOL intake is a planned adapter for the Singapore launch. Until each surface is live, the practical path is structured invoice data, PDF imports, and manual review. The agent treats PEPPOL messages as structured evidence so the source stays attached to the accounting work.

Can I use it without a live bank feed?

Yes. Bank CSV uploads and statement imports are the always-available baseline. Live direct feeds for DBS, OCBC, and UOB are planned for the launch, but the product is designed so a Singapore SME is never blocked because a direct feed is not yet live.

How much does it cost?

Accountant Included is planned at $39 per month for Singapore SMEs. One million tokens are included; each additional million is $39. Seats are unlimited. Members of the early-access list get 3 months free when paid subscriptions open, with unlimited tokens in the first month.

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