Kelugu Your books now think with you

Meet your AI finance manager. You choose the name.

Sam reads the books your finance team keeps up to date in Xero or QuickBooks, around the clock, and reports to you. Each week you hear what needs your attention and what to do about it. When you have a question about your numbers, you get the answer straight away.

Week 1

Monday briefing from Sam*
Cash is S$142,000. After the GST due on the 31st it is S$121,000.
Debtor days are 51, up from 34.
S$86,400 is tied up in the oldest five invoices.
Tan Brothers is 22% of revenue and 62 days overdue on one invoice.
Ask for a payment plan this week.

Week 2

Monday briefing from Sam*
Margin fell 3 points.
Cost of sales rose S$18,000 on flat revenue, and two supplier lines explain most of it.
Subcontractor rates are up 12% since June.
That adds S$9,400 a quarter.
Renegotiate the two largest rates, or reprice the jobs they feed.

Week 3

Monday briefing from Sam*
One customer has slipped from 12 to 47 days late over four months.
S$18,000 is now outstanding.
Call before the next order ships.
This week's figures are provisional.
14 transactions worth S$6,300 are still to be categorised.
Ask Sam any time of day*
Will I make it to the end of the quarter?
Yes. Cash is S$142,000 and runway is 2.8 months, so the quarter is covered with about two weeks of margin.
Why did my margin drop?
Cost of sales rose S$18,000 on flat revenue. Two supplier lines explain most of it, and subcontractor rates alone add S$9,400 a quarter.
How late is my slowest customer?
47 days. They were 12 days late four months ago, and S$18,000 is now outstanding.

* Illustrative example

What Sam does for you

Sam speaks up when something happens

  • A late payer
  • A margin drop
  • A GST bill
  • A cost creeping up

Each week's message covers the one to three things worth the most money, so every week is different. Every item says what changed, what it is worth and what you can do.

Sam answers when you ask

  • Can I afford a hire?
  • Can I afford this lease?
  • How much can I take out?

Ask in your own words at any hour, and the answer comes back at once, drawn from your own books. Your finance team keeps the books. Sam reads them and answers your questions, so your team can get on with the work only they can do.

Ready in three steps

  1. Connect your booksKelugu only reads your ledger.
  2. Name your finance manager and set your limitsChoose a name, then the lines you care about, such as a cash floor or how late a customer can be.
  3. Hear from Sam on MondayThe first briefing arrives on your phone. Ask a question whenever you like.

Every figure comes from your books.

Tested code calculates each number from your ledger and reconciles it to the report your finance team would run.

See how it works