Stategist Finance · close your books in a day, not two weeks
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Stategist
Try our demo
New Send your bank CSV to Telegram. It reconciles itself.

Your numbers talk. You'll know
the shape you're in every day after closing.

Atlas connects your sales, payments and bank accounts, matches them line by line, and hands your accountant a month that already balances.

Get started Try the demo

14-day trial · no card required

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Revenue by type Reconcile Journal entry →
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Revenue (FYTD)
RM 2.41M
+6.8% MoM
Booked across 6 revenue lines
FYTD pace 36%
Gross profit margin
38.5%
+1.4pt MoM
Goal 45% · closing the gap
Against goal 86%
Operation hours
612 hrs
+3.2% MoM
After holiday deduction
Monthly target 105%
Revenue / hour
RM 3,940
+2.6% MoM
Revenue ÷ net hours
Revenue & cashflow 12 mo actual · 2 mo forecast CASH ON HAND RM 486.2K
Actual Forecast Runway 14 mo
Revenue by source Trailing 4 months · hover a row for MoM Combined On-platform Off-platform
Source
This mo
Last mo
2 mo
3 mo
{{ row.name }} Off-platform
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Total
RM 206.8K
RM 202.0K
RM 198.9K
RM 205.8K
Combined On-platform Off-platform 5 OF 13 MONTHS SHOWN
Source
Mar
Feb
Jan
Dec
Nov
Memberships · monthly
RM 96.4K
RM 89.1K
RM 86.0K
RM 88.4K
RM 84.2K
Studio hire
RM 61.2K
RM 59.4K
RM 57.8K
RM 60.1K
RM 55.9K
Class packs
RM 22.5K
RM 22.2K
RM 21.9K
RM 22.6K
RM 20.8K
WorkshopsOff
RM 18.4K
RM 21.5K
RM 22.8K
RM 24.1K
RM 23.4K
Merch & retail
RM 6.1K
RM 7.9K
RM 8.2K
RM 7.6K
RM 8.8K
Other income
RM 2.2K
RM 1.9K
RM 2.2K
RM 3.0K
RM 2.4K
Total
RM 206.8K
RM 202.0K
RM 198.9K
RM 205.8K
RM 195.5K
This month · normalised
RM 92,400.00
+ Add expense
Payroll 68.2% RM 63,000.00
Rent 14.1% RM 13,000.00
Utilities 5.6% RM 5,200.00
Software 4.4% RM 4,050.00
Insurance 3.9% RM 3,600.00
Other 3.8% RM 3,550.00
Quarterly ÷ 3 · yearly ÷ 12 · normalised to the monthly total
Inflow
RM 214,728
Fees
RM 1,408
Net to bank
RM 213,320
Customers → 66.1%28.6% → Bank
Card gateway 66.1%
RM 141,930
Fee ~0.98%412 txn
DuitNow transfer 28.6%
RM 61,540
No fee84 txn
Card terminal 3.8%
RM 8,100
Fee ~0.98%85 txn
Cash · front desk 1.5%
RM 3,230
No fee31 txn
Live balance · all accounts
RM 486,200.22
Opening + credits − debits
Maybank · ••••4263 RM 436,180.22
Opening RM 402,110.00 on 01/03/2026
Public Bank · ••••1688 RM 50,020.00
Opening RM 50,000.00 on 01/03/2026
+ Add bank account
Via Telegram statement-mar.csv 84 lines matched · 2 hours ago
Payments
612
RM 214,728 active
Unmatched
8
needs a decision
Sales
1,240
RM 206,800 active
Auto-matched
1,166
94% of lines
Card gateway All paired
RM 141,930reconciled 100.0%
Click to reconcile →
DuitNow All paired
RM 61,540reconciled 100.0%
Click to reconcile →
Card terminal 8 left to pair
RM 8,100reconciled 82.3%
Click to reconcile →
Cash · front desk All paired
RM 3,230reconciled 100.0%
Click to reconcile →
Open bills · 4
RM 38,600.00
+ Add invoice
Equipment servicing Due in 4 days Approved RM 18,400.00
Beverage supply · Mar Due in 11 days Approved RM 9,850.00
Studio maintenance Overdue by 3 days Needs approval RM 6,200.00
Cleaning contract Due in 18 days Scheduled RM 4,150.00
What we changed and what it did
+ Log action
C Card volume routed to the terminal fee change · 2 days ago Done +RM 2,900 / mo
S Studio hire repriced +6% pricing · last week Done +RM 3,400 / mo
T Two unused software seats cancelled cost · 3 weeks ago Done +RM 620 / mo
S Second machine purchase capex · yesterday Planned · Jun −RM 150,000
W Workshop programme under review revenue · 4 days ago Open −RM 2,700 / mo

Set up around how you actually run

Your revenue lines, your cost centres, your financial year. Map them once and every dashboard, reconciliation and forecast after that reads from the same source.

Your lines, not their categories

Memberships, studio hire, class packs, workshops, merch — whatever you actually sell. Margins, targets and reporting work the same on every line you define.

Reconciliation on autopilot

Statements, gateway payouts and fees match themselves against the ledger. Month-end stops being a week of chasing differences.

Bank & gateway sync

Every payout, invoice and bank line lands on the right account within minutes — no exports, no copy-paste into a spreadsheet.

Workflows

If it happens twice, it shouldn't happen manually

Flag unmatched payouts, chase overdue invoices, roll recurring costs forward and push the closed month to your accountant — set once, runs monthly.

Triggers on any figure, threshold or uploaded statement
Approval steps where a human still has to look
Full run history, so you can see why a number moved
When
Gross margin falls below 35% for the month
Then
Flag the month and notify the owner · same day
Then
POST /ledger/close-month

Insights

It tells you where the money went — and what to do next

Because every line, fee and payout is mapped, Atlas names the cause instead of handing you another chart to interpret.

Margin leak Third month running · studio-hire line

Card fees are eating the studio-hire line

Studio-hire bookings rose 3.1% this quarter while the fees charged against them rose 31%. The line now contributes RM 4.1K a month less than it did three months ago, and nothing in your ledger flagged it because both numbers were growing.

Effective fee rate 4.36% → 5.71%
Line margin RM 12.8K → 8.7K
Share of revenue 29.6%
What to do next
01 Route card volume to the 0.98% terminal instead of the gateway +RM 2.9K/mo
02 Reprice studio hire by 6% at the next cycle holds 48%
03 Add a rule: flag any month where the fee rate passes 5% prevents drift
The working
Studio hire, three months ago — revenue RM 71,400
Fees charged against it then RM 3,113 · 4.36%
Studio hire this month — revenue RM 73,600
Fees charged against it now RM 4,203 · 5.71%
Of the RM 1,090 increase — rate, not volume RM 640
Plus the gateway cross-border surcharge, 214 bookings RM 3,010
Line margin, then → now RM 12.8K → 8.7K
Built from 1,284 matched settlements · gateway statement + terminal batch · nothing typed in
Drafted plan Not sent yet
01 Route card volume to the 0.98% terminal instead of the gateway Finance
this week
02 Reprice studio hire by 6% at the next billing cycle You
1 Apr
03 Rule: flag any month where the fee rate passes 5% System
instant
Approve to assign the tasks and turn rule 03 on. Nothing leaves the system until you approve.
Collection

RM 62.4K is sitting past 30 days

Eight invoices, six of them from two clients who have paid late every quarter this year.

Turn on auto-chase
Cost drift

Software costs up 18% in four months

Three subscriptions renewed at a higher tier and two have had no active seats since March.

Review 5 line items
Working

Memberships now cover fixed costs

Recurring revenue passed monthly fixed cost in the last two closes — the first time this financial year.

Raise the target

One system, from the first sale to the closed month

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Mon 02/03/2026 3 paired 1 suggested DIFF —
Sales
Transactions
Membership · monthly 09:14 · Card RM 120.00
09:14 txn_9f42c1a8 RM 120.00
Workshop · intro session 18:30 · Terminal RM 45.00
Merch · water bottle 18:30 · Terminal RM 45.00
Σ 2 sales → 1 payment RM 90.00
23:59 ref 4821 · card batch RM 90.00
Studio hire · bay 2 13:20 · Card RM 85.00
Drag Studio hire · bay 2 RM 85.00
Drop to pair · 13:21 · RM 85.00
Paired 13:21 · txn_5b7e02c4 RM 85.00
Class pack · 10 credits 20:05 · Card RM 60.00
Suggested · 94% RM 60.00
20:06 · settles T+1 · amount matches
Accept Show why
Entry · Mar 2026 Not sent 412 sales
✓ Balanced debits and credits agree RM 214,728.00
Credits
Memberships · monthly 92 sales · 8% SST RM 96,400.00
Studio hire 148 sales · 8% SST RM 61,200.00
Class packs 61 sales · 8% SST RM 22,500.00
Workshops 38 sales · 8% SST RM 18,400.00
Merch & retail 73 sales · mixed SST RM 6,100.00
SST payable @ 8% output tax owed RM 10,128.00
Debits
Due from card gateway net of 1,408.00 fees RM 141,930.00
Due from bank transfer 84 payments RM 61,540.00
Cash on hand front desk float RM 9,850.00
Platform fees gateway transaction fees RM 1,408.00
All 412 accounted for 398 booked · 14 deduped · 0 excluded Mark as sent →
Service performance · this month Sorted by revenue
Memberships · monthly +8.2% RM 96.4K
Margin 62% Growing
Studio hire +3.1% RM 61.2K
Margin 48% Steady
Class packs · 10 credits +1.4% RM 22.5K
Margin 55% Flat
Workshops −14.6% RM 18.4K
Margin 31% Slipping
Merch & retail −22.4% RM 6.1K
Margin 12% Bleeding
Watch Workshops have fallen three months running while taking the most staff hours of any line — the only service where revenue and effort move in opposite directions.
Working Memberships carry 62% margin and now cover fixed costs on their own. Every other line is upside.
Plan a spend
RM
Lands in
Bank balance · 12 months Solid actual · dashed forecast
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Lowest balance
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Happens
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Runway
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Teams switch for the flexibility. They stay for the accountability.

"We closed the month in a day instead of two weeks. Same two people, same volume — nothing gets re-typed."

AT Adeline TanFounder · fitness studio

"It found RM 9,400 a month going out in payment fees that nobody had looked at since 2023."

FR Faiz RahmanDirector · retail & wholesale

"My accountant now tells me where we're leaking. I've stopped asking her whether the books are closed."

PM Priya MenonFinance lead · interior fit-out
94%
of lines matched without a human
RM 41K
median monthly leak found
11 days
saved on every month-end close
faster to a signed-off close

Priced on the size of your books

Volume and companies set the price. Seats scale with the plan — unlimited on Architect, so the owner, the ops lead and the accountant all see the same numbers.

Onboarding · your blueprint About a week Included on Architect
01 Feeds connected — banks, gateways, terminals
02 Your revenue lines and cost centres mapped
03 12 months of history migrated and matched
04 First month closed together, not handed over
RM 2,000 – 4,000 Ledger RM 2,000 · Operator RM 4,000 Book onboarding
Ledger
Close the month, nothing more
Under RM 1M revenue
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Start with Ledger
Most teams
Operator
Close it, then act on it
RM 1M – 5M revenue
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Start 14-day trial
Architect
More than one set of books
RM 5M+ or a group
Custom scoped to you
Talk to us
What you get
Ledger
Operator
Architect
Suits revenue
Under RM 1M
RM 1M – 5M
RM 5M+
Companies
1
1
Unlimited, consolidated
Users
1
5
Unlimited
Feeds · bank, gateway, terminal
2
Unlimited
Unlimited
Matched lines / month
1,000
10,000
Unlimited
Journal entry export
API and warehouse sync
Cash-flow projection
Insights and action log
Quarterly review with a strategist
Onboarding · one-off
RM 2,000
RM 4,000
Included

Operator costs about 2% of the median leak we find

Questions

The things owners ask first

How long does month-end close take with Atlas?

+

Most teams close in a day instead of two weeks. Atlas matches sales against gateway payouts and bank lines automatically, so the only work left is the exceptions — typically eight lines out of 1,240 in a month.

Does Atlas replace my accountant?

+

No. It hands your accountant one journal entry where credits and debits already agree — they see it straight from Atlas, so the time goes on advice instead of chasing differences. And when your accountant changes, the next one picks up where the last left off using our playbook, instead of starting your books from scratch.

Does it work with SQL Account, AutoCount or Xero?

+

Yes. Atlas sits in front of your accounting software and feeds it. Your ledger stays where it is — the reconciliation, the matching and the journal entry happen in Atlas, then export to whatever you already use.

Is SST handled?

+

Yes. Output tax is split by rate and carried into the journal entry as SST payable, so the figure filed matches the sales it came from. Mixed-rate lines like merch are split per item, not averaged across the sale.

What if my payment gateway is not supported?

+

Bank statements, card terminal batches and manual entries match the same way. Download the CSV from your bank, send it to our Telegram bot, and it lands here reconciled — no portal, no export dance. Off-platform revenue is tagged so it never double-counts against gateway settlements.

What does Stategist cost?

+

Ledger is RM 490 a month, Operator RM 890, and Architect is scoped on companies and volume. Onboarding is RM 2,000 on Ledger and RM 4,000 on Operator, and is included on Architect. Annual billing gives two months free.

Bring your data. Keep your process.

Connect your bank, gateway and terminal. Most teams have their first month reconciled — and their first leak named — inside a week.

Get started Try the demo

Read-only connections · your data stays yours