Accounting software built for Malaysian sole traders

You finish the work, WhatsApp a quotation, then wait. Some clients pay by DuitNow transfer, some by cash, one insists on a proper invoice with your business registration details before finance will release anything. Without a single record of who owes what, you end up scrolling chat history at 11pm trying to remember whether the RM2,400 job was settled or not.

Most sole traders start with one bank account and one card. Petrol for a client visit, groceries, a new laptop, a Shopee order for stock — it all blends together. By the time you need a figure for your own tax return or a bank loan application, separating six months of mixed transactions is a weekend you never get back.

You hear about SST, e-invoicing and MyInvois and assume everything applies to you immediately. In reality, service tax and sales tax registration is tied to thresholds — broadly RM500,000 of taxable turnover for most, and RM1,500,000 for food and beverage service tax — and MyInvois has been rolled out in phases by turnover band. The stress comes from not knowing where you sit.

Revenue is not profit. After tools, fuel, subcontractors, rent for a shared space and the app subscriptions you forgot about, the real number is often thousands lower than what landed in the bank. Without categorised expenses you can't price your next job properly, and you can't tell a slow month from a bad business.

Create a professional invoice on your phone with your business name, registration details and payment instructions, then send it by WhatsApp, email or a link. Tallium AI marks it Sent, Overdue or Paid, sends polite reminders on your behalf, and handles part-payments — so a client who settles RM1,000 of a RM2,400 invoice shows a clear RM1,400 balance instead of a question mark.

Photograph a receipt or forward a supplier email and Tallium AI reads the amount, date and supplier, then suggests a category — fuel, stock, tools, subscriptions. Mark anything personal as a drawing so it stays out of your business figures. Connect or import your bank statements and reconciliation becomes a few taps, not a spreadsheet marathon.

Tallium AI keeps clean, itemised, sequentially numbered records with buyer details, tax treatment and totals — the structured data e-invoicing depends on. When you register for SST you can switch on tax handling, apply the correct rate per item, and pull the figures you need for an SST-02 return; if you're not registered yet, the app simply doesn't bother you with it. Please confirm your registration and MyInvois obligations with RMCD or a local tax professional, since thresholds and rollout phases are set by them, not by us.

See revenue, expenses, profit and who owes you money on a single screen, month by month. AI insights flag the things you'd otherwise miss — a client who is consistently 30 days late, a cost that has crept up, a quiet stretch you should be quoting into. If you sell over the counter as well, the built-in POS records those sales into the same books automatically.