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vsPPunctual vs Productive
Productive is a capable operations tool for project businesses with good profitability tracking. Punctual gives you the same profit view on top of real books, with no syncing and no seat minimums.
The short version
Choose Punctual if you want profit per client sitting on real accounting, in one system. Choose Productive if you're a bigger, project-based business that lives in resource planning.
Side by side
| What matters to your business | Punctual ✓ | Productive |
|---|---|---|
| Real books, no sync needed | Yes, one system | Syncs to Xero/QuickBooks (can break) |
| Profit per client and project | Yes | Yes |
| Retainers as first-class | Yes | Better at project work |
| Seat minimums | None, team included | 3 to 5 seat minimum |
| Get paid by bank transfer, no card fee | Yes | Not the focus |
Choose Punctual when…
- You want profit tracking and real books in one place, with no broken sync.
- You run retainers, not just projects.
- You don't want a seat minimum.
Choose Productive when…
- You're a larger, project-based business that lives in resource planning and capacity.
- You already have your accounting sorted elsewhere.
The pain of getting this wrong
A profitability tool with no real books has to sync to your accounting, and that sync is where data gets corrupted. One system with no bridge means nothing to break.
Switching
Moving off Productive takes an afternoon
01
Bring your history
Connect your banks and import contacts, open invoices and balances from Productive. Punctual pulls in your recent months of transactions.
02
Punctual rebuilds your books
Transactions are matched and categorised on arrival; you review the short list it wasn't sure about. Your P&L is current by the end of the day.
03
Run both for a month
Keep Productive alive alongside Punctual through one month-end if you want the safety net, then cancel it.
Most switches happen over one afternoon, and the 30-day free trial covers a full month-end.
Fair questions
Asked before switching
Can Punctual replace our accounting sync?
That's the idea. Profit per client sits on top of real books in one system, so there's no Productive-to-Xero bridge to maintain, and no month-end surprise because the sync drifted.
Can I move my data over from Productive?
Yes. Connect your bank accounts and bring your contacts, open invoices and balances across, and Punctual reads your recent history and builds your books from it. Most businesses do the move in an afternoon.
Will my accountant be able to work with Punctual?
Yes. Punctual keeps real double-entry books with a proper profit and loss and balance sheet, and every number traces to its transactions. Invite your accountant free: seats are always included.
What does Punctual cost?
US$79 a month covers your workspace and your first company, and each company after that is US$39. Yearly is ten months for twelve. Every feature and your whole team are included, we take no cut of your payments, and there is a 30-day free trial.
Is my data locked in?
No. Export your books and records any time, in formats your accountant can use. Leaving easily is part of the deal, and it keeps us honest.
Start free
It's --:-- in Singapore.
Your books could be up to date by --.
Connect your accounts and see your own numbers the same day. Your card is not charged until day 30.
30 days free · Your data stays yours · Cancel anytime