Free
S$0
The full accounting suite, nothing held back.
- Full suite: ledger, invoicing, reports
- Unlimited companies
- Unlimited users
- Unlimited transactions
Unlimited within fair use — real books for real businesses.
Start freeSimple, honest pricing
The full suite is free.
No licence fee, no per-seat charge, no trial cliff. Pay only for the Pro layer (automation, the API, and priority support by real accountants) at S$29 per company per month.
Nothing held back
The full suite is free.
Pro
S$29/ company / month
Everything in Free, plus automation and priority support by real accountants.
- AI bill automation (100 bills/mo, then S$0.20/bill)
- REST API + agent access
- Agent-settled sales invoices included
- Statutory financial statements
- Priority support by real accountants
Managed
Let's talkdone for you
Our accountants run your books end-to-end on Luca.
- Bookkeeping handled for you
- Reconciliation & reporting done for you
- Statutory filings managed
- A named accountant who knows your books
Inside the Pro planS$29 / company / mo
For most SMEs, that's the whole bill.
AI bill automation is metered simply: a generous monthly allowance, then a flat, always-visible rate from prepaid credit. No surprises.
- 100 AI bill captures a month, includedNo extra cost, every month. Most businesses never go past it.
- Beyond 100: S$0.20 per billDrawn from prepaid credit (top up from S$50 = 250 bills). The rate is always shown before you spend.
- Agent-settled sales invoices use no creditAuto-settling invoices through your agent is included with API access.
- Auto top-up is optionalTurn it on so automation never stops, or check your balance any time.
100 bills / mo
included with Pro
64 of 100 included bills used this month64%
Then S$0.20 per bill from credit · S$50 = 250 bills
Auto top-up keeps automation running.
FAQ
Questions, answered.
Luca is a full double-entry accounting suite, kept simple enough for busy business owners and accountants, and built to be run by AI. Everything you’d expect from proper accounting software, clean and fast.
Yes. The Free plan is the full suite, not a trial: double-entry accounting, invoicing, customers & vendors, bank accounts & transfers, multi-currency, and the full report set (GST, P&L, balance sheet, general ledger, trial balance), with unlimited companies, users and transactions, no licence fee. You only pay for the Pro layer: API access, AI automation, and priority support by real accountants. How we define unlimited (fair use)
Three plans: Free (S$0, full suite, self-serve), Pro (S$29 per company / month: API access + AI automation + priority support by real accountants), and Managed / done-for-you (our accountants keep your books; custom pricing). Most SMEs are on Free or Pro.
Yes. A full set of statutory financial statements (SFP, SCI, SCE, SCF, notes and prior-year comparatives) is a Pro feature, included at no extra charge and as often as you need. The everyday reports stay free: P&L, balance sheet, trial balance, general ledger and GST. Managed companies have it too, and we prepare the accounts for you.
Faster responses from a support team of real accountants: product questions and technical assistance across features, imports, reports and the API. It is not a formal accounting, bookkeeping or tax advice engagement. If you want the accounting done for you, the Managed plan puts our accountants on your books.
Yes. Run multiple entities, each with its own transactions and reports. Unlimited, even on Free.
You choose the default currency when you create an entity. After it’s created, the default currency can’t be changed.
Trade debtors and creditors are linked control accounts, so they can’t be posted from Journal Entry. Post to accounts receivable via Income → Credit Sale Journal or Sale Invoice, and to accounts payable via Expense → Bill.