SME payroll services in Singapore
Monthly payroll for office-based SMEs, done for you: itemised payslips, CPF at the right rates, bonuses, IR8A and new hire paperwork, without hiring a payroll officer.
Or call 6970 5539, Monday to Friday.
What we handle for SMEs
- Monthly payroll and itemised payslips
- CPF by age and citizenship, updated for the 2026 and 2027 changes
- Bonuses with the Additional Wage ceiling tracked
- Year-end IR8A under the Auto-Inclusion Scheme
The payroll jobs small firms struggle with
In most SMEs, payroll sits with the owner, the office manager or the outside accountant. It works until someone is on leave, a rule changes, or a bonus month comes round.
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CPF rates that change with age and year
CPF rates depend on each employee’s age band and citizenship, and they changed on 1 January 2026, with another change on 1 January 2027 for employees above 55 to 65. A staff member’s birthday can move them into a new band. We apply the right rate to every employee, every month.
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Bonuses and the Additional Wage ceiling
CPF on a bonus is capped by the Additional Wage ceiling, which depends on how much of the employee’s Ordinary Wages for the year were already subject to CPF. Get it wrong and you either overpay CPF or face a correction later. We track it for every employee all year.
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Joiners, leavers and part-month pay
New staff who start mid-month, resignations with leave to pay out, and unpaid leave all need part-month calculations. We work them out under the Employment Act and show the workings on the payslip.
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Payslips and key employment terms
Employees covered by the Employment Act must get itemised payslips, and new hires must get key employment terms in writing. We produce both, so the records are there if MOM ever asks. See MOM on itemised payslips.
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Year-end IR8A
IR8A and its appendices are submitted to IRAS under the Auto-Inclusion Scheme. Bonuses, benefits and leavers all have to be reported correctly. We prepare and file it through the Corppass access you grant us.
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Overtime for junior staff
Office staff on lower salaries may be covered by the overtime rules in Part IV of the Employment Act. Check any employee with our overtime pay calculator.
Worked example: CPF for an older employee and a year-end bonus
Employee aged 58, monthly salary S$5,000
| Employee CPF, 202618% of S$5,000 (above 55 to 60) | S$900.00 |
| Employer CPF, 202616% of S$5,000 | S$800.00 |
| Employee CPF, from 1 Jan 202719% of S$5,000 | S$950.00 |
| Employer CPF, from 1 Jan 202716.5% of S$5,000 | S$825.00 |
Sample only. Names and figures are illustrative.
Employee earning S$9,000 a month, with a S$20,000 bonus in December 2026
| Ordinary Wages subject to CPFS$8,000 ceiling × 12 months | S$96,000 |
| Additional Wage ceilingS$102,000 − S$96,000 | S$6,000 |
| Bonus subject to CPFS$20,000 bonus, capped at the ceiling | S$6,000 |
Only S$6,000 of the bonus attracts CPF. The other S$14,000 does not. Source: CPF Board contribution rates.
Sample only. Names and figures are illustrative.
What you get every month
You send changes. We send back a payroll ready to approve and handle the filings. If you also employ foreign workers, see our work permit payroll service.
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Payroll checked by a second personEvery run is prepared by one person and checked by another before release.
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Payslips your staff can openEmailed as password-protected PDFs, or printed.
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CPF and SDL preparedReady for submission through the Corppass access you grant us.
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A bank file you releaseSalaries go from your own account. We never hold your money.
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IR8A at year endPrepared from the year's payroll and filed under the Auto-Inclusion Scheme.
Get a quote for your payroll
Tell us how many staff you have on CPF. We reply within one working day with a fixed monthly price.
Not ready for a quote? Get a free payroll check
Send us one month's payroll and we'll flag CPF, overtime and rest day errors. You can remove names and NRIC or FIN numbers before you send it.
How we protect you
Your money stays with you
We never collect or hold salary funds. Wages move straight from your bank account to your employees.
Access through Corppass
You authorise us for CPF and IRAS services on Corppass and can remove that access at any time. We never ask for your passwords.
Personal data protected
Employee data is handled under the PDPA, with a data processing agreement for every client and a named Data Protection Officer.
Switching from your accountant or spreadsheet
You can move to us at any point in the year. Most SMEs choose the Essentials plan; see payroll pricing for what affects your quote.
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What we need
Employee details and pay terms, last month’s payroll, year-to-date pay and CPF figures, and Corppass access for CPF and IRAS.
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What we check first
CPF age bands, Additional Wage tracking and leave balances. Anything that looks wrong in past months is raised with you before the first run.
Questions employers ask us
Something else on your mind? Call 6970 5539 and ask.
We only have 12 staff. Is outsourcing worth it?
For many small firms, yes. Payroll needs the same CPF rates, payslip rules and IR8A filing whether you have 12 staff or 120, and getting them wrong costs more than the fee. Your quote shows the monthly cost up front.
Which CPF rates do you use?
The rates in force for each employee’s age band. From 1 January 2026, total CPF is 37% for employees aged 55 and below on wages above S$750, with lower rates for older employees. See CPF Board contribution rates.
How is CPF worked out on a year-end bonus?
A bonus is an Additional Wage. CPF on it is capped by the Additional Wage ceiling, which is S$102,000 minus the employee’s Ordinary Wages subject to CPF for the year. We track this for every employee.
What changes for older staff in 2027?
From 1 January 2027, total CPF rises to 35.5% for employees above 55 to 60 and to 26% for those above 60 to 65. We update your payroll before the first run affected.
Can you draft key employment terms for new hires?
Yes. We draft key employment terms for each new hire, so pay, hours and leave are recorded from day one.
Do our staff get online payslips?
Payslips can be emailed as password-protected PDFs, viewed online, or printed.
Get a payroll quote
Tell us about your team. We reply within one working day with a fixed monthly price.
- Salaries are paid from your own bank account, never through ours
- Access through Corppass only, which you can remove at any time. We never ask for your passwords.
- Employee data handled under the PDPA, with a data processing agreement for every client
6970 5539 or +65 9363 7174
myjob@myjob.com.sg