Kelugu Your books now think with you

How it works

Kelugu reads your books. A fixed catalogue sets what each number means, what to look for and which question each number answers. Sam tells you what matters, the same way every time.

Sam gives you reliable answers, every time

However you phrase a question, Sam works out the figure the same way, from a catalogue built for business owners.

You ask your way

How long will my cash last?

Do I have enough runway?

When do I run out of money?

Sam uses one definition

Cash runway: cash in the bank, divided by average monthly fixed costs.

You get one answer
2.8 months

Calculated the same way every time, with the working there when you ask.

What keeps you up at night

  • Will I make it to the end of the quarter?
  • How much cash is actually mine?
  • Can I afford a second installer?
  • Why is profit down on last month?
  • Which customer actually makes me money?
  • How much can I take out?

From your books to your phone

  1. Step 1 Your books

    Your finance team keeps the books as they do today. Kelugu only reads the ledger.

  2. Step 2 The figures

    Tested code calculates each number from the ledger, using a written definition, and reconciles it to the report your finance team would run.

  3. Step 3 Sam

    Sam compares the figures with the limits you set, ranks what changed by dollars and writes it up.

  4. Step 4 You

    The Monday briefing arrives on your phone with one to three items. Ask a question whenever you like.

Follow one event

Every briefing item travels the same chain: event, rule, metric, briefing. This is an illustrative example.

  1. The eventA major customer passes payment terms, and the invoices sit open in your books.
  2. The ruleDebtor days moved past the limit you set, so the change goes on the list.
  3. The metricDebtor days: what customers owe you, divided by revenue, times the days in the period.
  4. The checkThe result is reconciled to the report your finance team would run.
In your briefing
Debtor days are 51, up from 34.
S$86,400 is tied up in the oldest five invoices.

Every rule takes one of six shapes: a limit crossed, a movement, a concentration, something new, something missing, or two figures drifting apart. At most three items reach you in a week, ranked by dollars, and a quiet week says so.

When a figure is still provisional

If recent transactions are still waiting to be categorised in your books, Sam marks the figures they affect as provisional. If an input is missing, Sam tells you which one and leaves the figure out. You always know how far to rely on a number.

  • CashFinalS$142,000
  • Gross marginProvisional31.4%14 transactions are still to be categorised.
  • Affordability of a hireLeft outSam needs the cost of a hire from you.
  • Read-onlyKelugu only reads your ledger.
  • You set your limitsYour cash floor comes from you, and Sam uses it as you set it.
  • The catalogue keeps growingIf you need a figure outside the catalogue, it can be added as a new metric.
  • Built for SingaporeGST position, debtors, cash runway and the grant schemes owners here use.
  • Your finance team keeps the booksSam works from those books and gives no tax, legal or audit advice.