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Punctual
On time, every time

Run your business's money in one place.

Punctual sends the invoices, chases the late ones, matches the payments to your bank, and keeps your accounts current to the day.

Start free for 30 daysSee the live demo

Card not charged until day 30 · Whole team included · Cancel anytime

app.staypunctual.com--:--:-- SGT
Cash today
S$182,400
↑ 4.2% this month
Owed to you
S$36,150
6 invoices open
Profit MTD
S$21,300
24% margin
CashLast 90 days
Latest activityLive
Meridian & CoMatched to INV-1042 ✓+S$4,820
Atlas RetailDay-3 nudge sentS$2,150
NorthwindMatched to INV-1039 ✓+US$3,600
A. Tan · freelancerPayout sent ✓−S$2,400
Works with
WiseAirwallexRevolutDBSOCBCUOBStandard Chartered
+ any other bank

0%

of your payments taken in fees

1 place

for money in, out, and the books

Any currency

SGD, USD, EUR: all native

Today

not month-end

The morning mess

Sound familiar?

You send the invoice, then you spend Friday chasing it. The card fee takes 3% of what does turn up. Four currencies get squared off by hand in a spreadsheet. And it's the 12th before you know whether last month made money.

None of these tools is broken. They just don't know about each other, so joining them up falls to you, every month. That is the job Punctual takes off you.

Card fee: −S$150.003% skimmed off INV-1041, again9:02
You, every Friday“Hi! Just checking in on that invoice…”Fri
Your accounting tool“We're updating our pricing.” Pricier. Again.Mon
Spreadsheet_FINAL_v7.xlsxFour currencies, one tired tab23:41
It's the 12thStill no idea if last month made money12th

How it works

Up and running in three steps

STEP 1

Connect your accounts

About two minutes, no accountant required.

WiseAirwallexRevolutLinked
STEP 2

Send invoices

Clients pay by transfer. Punctual chases the late ones.

INV-1043 · Meridian & CoS$3,200Sent
STEP 3

See your numbers

Profit, cash and who owes you, today rather than at month-end.

Profit this month+S$21,300

The work, done for you

Money in, money out, always up to date.

All real product below, just sample data.

01 · Money in

Get paid, keep the fee

Clients pay by bank transfer, in any currency. Every payment matches itself to the right invoice. You don't lift a finger, and the card networks don't lift 3%.

Explore invoicing
Incoming · DBS · ref PN-1042+S$4,820.00
INV-1042 · Meridian & CoS$4,820.00
Payment matching

02 · Collections

The chasing, done for you

Polite, personal reminders on a schedule you set, until the money lands. Your clients stay friends. You stay paid.

Explore reminders

Emails written by you: zero

Reminder schedule

03 · Money out

Bills & freelancers, one list

Everything you owe (subscriptions, freelancers, hosting) in one place, lined up against the payment that settles it.

Explore bills
Figma · monthly seat−US$45.00Paid
A. Tan · motion design−S$2,400.00Paid
Hosting · Q3−US$310.00Due Fri
Bills

04 · The bottom line

See what you actually keep

Every currency native, every client's real profit, added up for you and current to the day. The busy client who quietly loses you money stops being a mystery.

Explore the dashboard

Cash by currency

SGD182,400
USD12,850
EUR4,200

Profit by client

Meridian & Co+42%
Northwind+28%
Atlas Retail−9%
The bottom line

The parts your clients see

Good for you. Great for your clients.

Getting paid on time is easier when paying you is a pleasure.

05 · Client portal

One page per client, in your branding

Every client gets a clean page of their own: invoices, receipts, bank details. No sign-up gymnastics.

clients.yourstudio.com/meridian
YSYour StudioMeridian & Co
INV-1045 · due 12 AugS$6,200Due
INV-1042 · paid 28 JulS$4,820Paid
Pay by bank transfer →

06 · Weekly updates

Your week, in an email each Monday

Every Monday at nine, one email: what came in, what is late, and what needs a nudge.

Inbox
The Rooster · PunctualMon 9:00 AMto: youYour week: S$8,420 in, one invoice to nudge
S$8,420 collected across 3 invoices
Atlas Retail · day 7 · firm nudge queued
Margin 24%, on track for the month

Why a rooster?

He has never once been late.

A rooster crows at the same hour every morning, whether you feel like hearing it or not. We gave that energy a job: chasing your unpaid invoices.

The Rooster, Chief Punctuality Officer

True stories

Learn it the easy way.

Real founders, real numbers, and the habit that would have saved them.

Orders on the books, $2,000 in the bank, and wages due.
Kevin PlankFounder, Under ArmourThe habit that would have saved himKnow your weeks of payroll cover. Watch it closer than revenue.Read the story
$77 million through the door. $21 million lost behind it.
Sophia AmorusoFounder, Nasty GalThe habit that would have caught itRead margin before revenue. Income up and margin down is a bad month.Read the story
One client was 40% of the business, and they gave us a fortnight.
Kara GoldinFounder, HintThe habit that manages the riskKnow what share of your income each client is, before someone else decides it.Read Kara's story

A note on fit

Is Punctual for you?

Built for you if…

  • You'd rather keep the card fee.
  • You're done chasing invoices yourself.
  • You get paid in more than one currency.
  • You pay freelancers and bills too.
  • You want today's numbers, not month-end's.

Probably not if…

  • Most of your money arrives by card, and the fees don't bother you.
  • You send a handful of invoices a year, and a spreadsheet already covers it.
on time, every time

Start free

It's --:-- in Singapore.
Your books could be up to date by --.

Connect your accounts and see your own numbers the same day. Your card is not charged until day 30.

Start free for 30 daysSee how it works

30 days free · Your data stays yours · Cancel anytime