Financio review
Updated September 28, 2026 · ForgeCue Editorial Team · Facts checked September 26, 2026
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Our verdict
Financio is a small-business accounting tool with e-invoicing in place and a 30 free trial, built for beginners rather than finance teams. It suits readers who need regional compliance covered and can pay SGD 20 to start, which sits above the category median.
Key facts
- Best for
- Small businesses in the region that need e-invoicing covered without paying for payroll.
- Price from
- SGD 20 (Source, checked September 26, 2026)
- Free plan
- No (Source, checked September 26, 2026)
- Free trial length
- 30 days (Source, checked September 26, 2026)
- Local compliance
- E-invoicing (Source, checked September 26, 2026)
- Payroll
- Add on (Source, checked September 26, 2026)
- Legal entity
- Asian Business Software Solutions Sdn Bhd (Source, checked September 26, 2026)
- Founded
- 2017 (Source, checked September 26, 2026)
- Support channels
- Chat, Help-centre (Source, checked September 26, 2026)
- Audience
- Beginners, Small business
- Pricing model
- Free trial
- Official website
- financio.co
Pros and cons
Pros
- A 30 free trial gives a full month to judge the product before paying.
- Covers e-invoicing, as e invoicing shows, for businesses that need digital invoices.
- Aimed at beginners and small businesses, per beginners and small business, so the interface targets new owners.
- Entry price of SGD 20 keeps costs below the €38.75 upper quartile.
Cons
- Entry price of SGD 20 sits above the median of €16.66 for accounting software.
- There is no free plan, so a full evaluation depends on the 30 trial.
- Support runs on chat and help centre only, which is thin for accounts that need direct help.
Ready to try Financio?
Scored 9.0 / 10 by ForgeCue.
Who it suits
- Small businesses that need e-invoicing handled, as e invoicing covers it.
- Beginners who want a full month to try the product through the 30 trial.
- Readers who keep payroll separate and can treat add on as an add-on.
Who should look elsewhere
- Readers who want a free plan, since Qonto and Accountable both sit at a lower entry price than SGD 20.
- Teams that need payroll in the base subscription, which Financio only offers as an add-on.
- Readers who want phone or email support, since Financio runs on chat and help centre.
Free plan and trial
Financio does not offer a free plan. Instead it runs a free trial of 30 days, which is longer than the 15 day median in the accounting software group. That gives a full month to test the workflow before any payment, and the trial sits at the upper end of the 30 mark for the field.
Plans and pricing
Financio starts at SGD 20, with no free plan attached. The accounting software median is €16.66, and the upper quartile sits at €38.75, so the entry price lands between the middle and the top of the field. Trial access runs for 30 before a subscription is needed.
How Financio compares
9.0 vs 8.7
9.0 vs 9.2
9.0 vs 9.0
9.0 vs 9.1- 9.0 vs 9.2
9.0 vs 9.5
9.0 vs 9.0Its entry price of €9 sits below Financio's SGD 20 for a similar small-business focus.
- 9.0 vs 8.8
9.0 vs 9.2- 9.0 vs 9.0
- 9.0 vs 8.9
9.0 vs 9.1
9.0 vs 9.0
9.0 vs 8.9
9.0 vs 8.8
9.0 vs 8.8
9.0 vs 8.0
Where Financio is available
- Available
- Malaysia, Singapore
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
Is there a free plan or a free trial?+
Financio has no free plan. The way in is a free trial of 30 days, which is longer than the 15 day median across accounting software. Budget accordingly once the trial ends.
How much does Financio cost to start?+
The entry price is SGD 20. The accounting software category median is €16.66, so Financio sits above the middle of the field on price at entry. Renewal pricing is not listed here.
Does it handle local compliance and e-invoicing?+
Financio covers e-invoicing, as stated in e invoicing. That matters if your business must issue digital invoices, though no regulator or licence is named in the available information.
Is payroll included in the plan?+
Payroll is an add-on, as add on shows, so it is not part of the base plan. If you need payroll handled inside the same subscription, account for that separately.
Who is Financio built for?+
Financio suits beginners and small businesses, per beginners and small business. It is aimed at owners rather than finance teams, and payroll sits outside the base plan as an add-on.
How do you get support?+
Support runs on chat and help centre. That covers self-serve options rather than direct spoken help, so teams wanting a quicker line to a person may look elsewhere.
How long has Financio been around?+
It has been running since 2017, and the company behind it is Asian Business Software Solutions Sdn Bhd. That is a relatively young operation compared with long-established accounting software.
Is it suited to readers outside its home market?+
It is an accounting product, so local compliance is limited to what is listed: e invoicing. Readers needing other local requirements should confirm coverage for their market before committing.
Sources
- galaksi-media.com/semasa-financio-from-abss-makes-it-easi... checked September 26, 2026
Backs: Audience, Legal entity
“with startups, micro and small businesses in mind, for users with little or no accounting knowledge”
- financio.co/my/pricing checked September 26, 2026
Backs: Local compliance, Support channels
“LHDN E-Invoice”
- financio.co/sg/campaign/accounting checked September 26, 2026
Backs: Price from
“Accounting Essentials $20 / month”
- financio.co/sg/pricing checked September 26, 2026
Backs: Free plan, Free trial length, Pricing model, Payroll
“Sign Up 30 Days Free Trial”
- pocketnews.com.my/2021/09/21/financio-v3-0-0-launched-tod... checked September 26, 2026
Backs: Founded
“Since its first launch in 2017”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Financio
Small businesses in the region that need e-invoicing covered without paying for payroll.