ZeroPilot AI combines AI intelligence with expert human accountants to deliver a complete financial picture for your Malaysian SME.
Stop flying blind. ZeroPilot AI analyses your historical transaction data, accounts receivable pipeline, recurring expenses, and seasonal patterns to generate rolling 12-month cash flow forecasts. Our AI identifies trends invisible to the human eye — and alerts you before problems hit your bank account.
Unlike generic forecasting tools, ZeroPilot AI is trained on data from Malaysian SMEs across retail, F&B, professional services, and manufacturing — so its predictions are calibrated to the realities of doing business in Malaysia.
12-Month Cash Flow Forecast
AI Alert: Cash runway projected to drop below 3 months in Q3. Recommend reviewing debtors aged 60+ days.
Your financial health at a glance — 24/7, from any device. The ZeroPilot AI dashboard gives you a live view of every metric that matters: P&L, cash position, outstanding invoices, payables, and your key business KPIs. No waiting for month-end. No calling your accountant for a balance update.
Drill down from summary to transaction level in one click. Compare this month to last month, or this year to last year. The dashboard automatically updates as transactions are processed — typically within hours of your bank feed syncing.
Revenue (MTD)
RM312k
↑ +15.2%
Net Profit
RM58k
↑ +9.8%
Debtors
RM84k
↓ 32 invoices
Say goodbye to manual data entry and spreadsheet chaos. ZeroPilot AI provides fully managed cloud accounting powered by Xero — the world's leading cloud accounting platform — with all the Malaysian-specific configurations you need from day one.
Our qualified accountants review and classify every transaction. AI handles the repeatable work — coding recurring transactions, matching invoices to payments, and flagging anomalies. Your books are always clean, current, and audit-ready.
Automated daily matching of bank transactions to your books
Automatic SST calculation, filing, and payment reminders
Snap receipts with Dext — auto-coded and reconciled instantly
EPF, SOCSO, EIS, and PCB deductions tracked automatically
By the 5th of every month, a comprehensive management accounts package lands in your inbox. No chasing your accountant. No waiting. Just clear, decision-ready financial information presented in plain English — not accounting jargon.
Command plan clients receive investor-ready board packs with executive summaries, performance commentary, and forward-looking analysis. Perfect for founder updates, board meetings, and bank loan applications.
Malaysian payroll compliance is unforgiving of small mistakes — EPF at 13% or 12% employer contribution depending on salary band, SOCSO's tiered rates, EIS at 0.2% each side, and PCB monthly tax deduction calculated against each employee's declared reliefs. Our team runs your payroll inside your Xero environment every cycle, so nothing is calculated by hand and nothing is missed.
Every pay run posts straight to your ledger — salary expense, EPF liability, SOCSO payable, PCB payable — with no separate payroll export to reconcile. At year-end, we prepare EA forms for every employee and the E form for LHDN as part of your standard service.
Contributions calculated to the ringgit and sen, every pay run
Monthly tax deduction per employee, including bonus recalculation
Form 8A, Borang A, EA and E forms prepared for you
Every pay run posts directly into your Xero accounts
We connect your Xero environment to Malaysia's major banks — Maybank, CIMB, RHB, Public Bank, Hong Leong, OCBC, AmBank, Bank Islam and Bank Muamalat — so transactions import automatically instead of arriving as a CSV you have to re-key. Where a direct feed isn't available, we handle OFX or CSV import on your behalf.
Every connection is read-only: your bank login is entered on your bank's own secure page, and we can never move money, only view transactions. Our team reconciles the feed against your invoices and bills so your cash position in Xero always reflects your actual bank balance — not a figure from last week.
Maybank, CIMB, RHB, Public Bank and more, connected directly
We can view transactions — never move money
Matched against your invoices and bills every day
All your business accounts consolidated into one cash position
Malaysia's Sales and Service Tax has two components — Sales Tax at 5% or 10% on taxable goods, and Service Tax at 8% on most prescribed services (6% for F&B and a few other categories) — and getting the classification wrong is one of the most common triggers for an RMCD query. We configure the correct tax code against every product and service you sell, and prepare your SST-02 return every two months from your Xero data.
Where you're entitled to input tax credits, we track input and output SST separately so your net liability is calculated precisely, and we maintain a full audit trail linking every SST-02 line back to the underlying invoice — so if RMCD ever asks, the records are ready in minutes.
Sales Tax and Service Tax applied by product/service tax code
Pre-filled every bi-monthly cycle from your ledger data
Every return line traced back to its source invoice
SST data embedded consistently in every LHDN e-invoice
Book a free 30-minute demo and we'll walk you through every feature tailored to your specific business needs.