Singapore payroll · accounting · e-signatures
For Singapore companies of about 5 to 50 staff. Run payroll with CPF and SDL calculated in every pay run, keep double-entry books, and send PDFs for e-signature. All three modules from S$29 a month, priced per login, not per employee.
30-day free trial · no card · Prices in SGD.
Employees
Add Employee| Full Name | NRIC / FIN | CPF Status |
|---|---|---|
| Sample Employee A | S••••123A | Citizen |
| Sample Employee B | S••••456B | PR (Year 2) |
| Sample Employee C | G••••789C | Foreigner |
Why one login
Payroll in one tool, the books in another, documents signed in a third. That is three passwords, three bills and three places to look when a CPF or IR8A date comes round. Critical Mass Cloud puts HR & Payroll, Accounting and Sign in one workspace, under one login and one subscription. It is built for companies where the owner or an office manager runs payroll and the books alongside everything else.
Owners, accountants and HR staff sign in to the same workspace, each with a fixed role.
All three modules from S$29 a month on Starter, in Singapore dollars. Payroll on its own is S$19 a month.
When a CPF or IR8A date comes round, the pay run, the contribution summary and the IR8A working figures are in the same app.
What's inside
Payroll on its own is S$19 a month. All three modules are S$29 a month on Starter.
| Employee | Form Type | Status |
|---|---|---|
| Sample Employee A | IR8A | Generated |
| Sample Employee B | IR8A | Generated |
Trial Balance — as of 30 Sep 2026
| Code | Account Name | Net |
|---|---|---|
| 1100 | Bank Account | 28,000.00 |
| 1200 | Accounts Receivable | 18,000.00 |
| 2000 | Accounts Payable | -3,850.00 |
| 3000 | Owner's Equity | -10,000.00 |
| 4100 | Service Revenue | -72,000.00 |
| 5100 | Salaries & Wages | 30,000.00 |
| 5200 | Rent Expense | 9,000.00 |
| 5850 | Software & IT | 850.00 |
| TOTALS | 0.00 | |
Send PDFs for signature by email link. Signers need no account.
The three modules share one login, one bill and one team. They don't share records: a pay run doesn't post to your books, and Sign doesn't attach documents to employee or customer records.
Your month and year
Singapore employers work to a fixed calendar. Here is what Critical Mass Cloud does at each date, and the part you still do yourself.
End of each month
ALL PLANSIn the app
You do
By the 14th of the next month
ALL PLANSIn the app
You do
Source: CPF Board, Making CPF contributions (updated 7 July 2025). Checked 10 October 2026.
By 1 March
ALL PLANSIn the app
You do
Source: IRAS, Auto-Inclusion Scheme (updated 20 August 2026). Checked 10 October 2026.
Singapore rules, stated plainly
Critical Mass Cloud never files or pays anything to IRAS or CPF Board for you. This table shows where that line sits.
| Requirement | What Critical Mass Cloud does | What you do | Status | Guide |
|---|---|---|---|---|
| CPF contributions | Calculates employee and employer CPF in every pay run from the 2026 rate tables, with the S$8,000 monthly Ordinary Wage ceiling. Gives you a contribution summary (CSV). | Check each line, then submit and pay through CPF EZPay. In this release, also check anyone who turned 55, 60, 65 or 70 in the past 12 months, and each employee's share, which keeps cents instead of rounding down to the whole dollar. | Available | CPF rates |
| Skills Development Levy | Calculates SDL in every pay run: 0.25% of monthly wages, minimum S$2, maximum S$11.25. | Pay it with CPF. | Available | SDL guide |
| Payslips (PDF) | PDF payslips listing earnings, the employee's deductions and the employer's costs for the pay month, emailed in one go. | Check MOM's itemised-payslip rules. They also require the date of payment, the start and end dates of the salary period, and overtime hours, which these payslips don't show. | Available | — |
| IR8A (2026 income, due 1 Mar 2027) | IR8A working figures per employee, with Appendix 8A and 8B. | File on myTax Portal, then mark each form submitted. | Available | IR8A and AIS |
| AIS file or direct submission to IRAS | Not produced. | File on myTax Portal. | Not offered | IR8A and AIS |
| Peppol-format (PINT SG) export | Exports invoices as Peppol-format (PINT SG) files, on Business and above. Credit notes export through the REST API. | Exporting a file does not meet the InvoiceNow requirement. From your date, submit invoice data to IRAS through an InvoiceNow-Ready Solution. | Available | InvoiceNow: find your date |
| InvoiceNow: sending through an accredited Access Point | Not available. | Use an InvoiceNow-Ready Solution from your date. | Planned | Choosing a solution |
Status checked against release 0.36.81 on 10 October 2026.
GST InvoiceNow requirement
The GST InvoiceNow Requirement is phasing in by date and by type of business. From your date, you submit invoice data to IRAS through an InvoiceNow-Ready Solution, sent via an accredited Access Point. It covers sales and purchases. For invoices you issue outside the InvoiceNow network, you still submit the invoice data to IRAS through your solution.
If you were GST-registered before 2026 and filed returns for periods ending in 2025, IRAS has been notifying you of your date since mid-2026. Others will be told later. Most existing registrants start between 1 April 2028 and 1 April 2031, depending on their annual supplies.
IRAS lists free InvoiceNow-Ready packages, aimed at small businesses with few invoices, until 31 March 2031; the current list runs to 31 March 2027. If e-invoicing is all you need, one may fit. Critical Mass Cloud is not an IMDA-accredited InvoiceNow-Ready Solution. On Business and above it exports invoices as Peppol-format (PINT SG) files; sending them through an accredited Access Point is planned.
| From | Who must comply |
|---|---|
| Companies that register for GST voluntarily within 6 months of incorporation | |
| All new voluntary GST registrants | |
| New compulsory registrants, and existing registrants with annual supplies of S$200,000 or less | |
| Existing registrants with annual supplies of S$1 million or less | |
| Existing registrants with annual supplies of S$4 million or less | |
| Existing registrants with annual supplies above S$4 million |
For accounting firms
Agency is for firms that run payroll and books for several companies. It is billed per company rather than per user. Talk to us before you move client companies across.
Pricing
HR & Payroll · 3 users
S$19/mo
HR & Payroll, Accounting, Sign · 3 users
S$29/mo
Starter plus PINT SG invoice export · 5 users
S$59/mo
Business with 10 users
S$129/mo
For firms, billed per company
S$199/mo
Example: 30 employees on payroll, and 3 people who log in to run payroll and the books. That is Starter, at S$29 a month.
Annual billing costs about 15% less than 12 monthly payments. Prices in SGD.
30-day free trial · no card
Security and your data
Each company's data sits in its own database schema.
Optional two-factor authentication with an authenticator app, plus recovery codes, for signing in to the web app.
Owners and Admins reach all three modules. Accountants reach Accounting and Sign; HR staff reach HR & Payroll and Sign. The roles are the same on every plan.
An audit log of activity in your workspace.
A REST API with an OpenAPI description and API keys.
Questions about personal data? See Data protection.
Guides
Updated 10 October 2026 · Source: IRAS
Six dates from 1 November 2025 to 1 April 2031, set by registration type and annual supplies.
Updated 10 October 2026 · Source: CPF Board
The 2026 rates by age, the S$8,000 Ordinary Wage ceiling, and the changes for employees above 55 to 65 from 1 January 2027.
Updated 10 October 2026 · Source: IRAS
The boxes, the due date one month after each period, nil returns and the penalties for filing or paying late.
Updated 10 October 2026 · Source: IRAS
Due 1 March 2027. Who must file through AIS.
Updated 10 October 2026 · Source: CPF Board
0.25% of monthly wages, minimum S$2, maximum S$11.25, collected with CPF.
Updated 10 October 2026 · Source: IRAS, CPF Board
Recurring CPF, SDL, GST F5 and IR8A dates in one place.
A user is anyone you add to your workspace as a member, whatever their role. Employees on your payroll are not users unless you add them as members. Employee records are unlimited on every plan.
You get 30 days free, with no card. Companies you add during the trial share the first company's 30-day clock. To keep using the app after the trial, choose a plan on the Billing page.
No. HR & Payroll and Accounting sit in the same workspace, but a pay run does not create a journal. Record the salary journal in Accounting yourself, as a manual journal.
No. It prepares figures: CPF and SDL in every pay run, and IR8A working figures. You submit and pay CPF through CPF EZPay, and file IR8A on myTax Portal. It does not create an AIS file.
No. It is not on IMDA's list of accredited InvoiceNow-Ready Solutions (list dated 1 October 2026). On Business and above it exports invoices as Peppol-format (PINT SG) files, and sending through an accredited Access Point is planned. IRAS lists free InvoiceNow-Ready packages, aimed at small businesses with few invoices, until 31 March 2031.
Yes. In HR & Payroll, upload your MassHR desktop backup (.db) to import departments, employees, salary components and payroll history. Records already in Critical Mass Cloud are not changed.
No. Critical Mass Cloud is a web app that runs in your browser.
Try it with your own figures for 30 days.
30-day free trial · no card · Prices in SGD.
Critical Mass Cloud
30-day free trial · no card
