Quick answer: AIMM Payroll is dramatically cheaper with flat per-company pricing (S$0-S$69/month) vs JustLogin's per-employee pricing (S$5/employee/month, min 5). JustLogin has a 25-year track record, IRAS AIS Category A certification, and GovTech integration. Choose AIMM for lowest cost, JustLogin for the most established compliance track record.
You are choosing between the cheapest payroll software in Singapore and one of its most established. Both handle the core Singapore compliance stack — CPF, SDL, SHG funds, IR8A/IR21 generation, and itemised payslips. Where they diverge is price, compliance maturity, integrations, and whether you value a direct IRAS API connection today over a lower monthly bill.
This comparison is honest by design. JustLogin has genuine advantages — a quarter-century of track record, IRAS AIS Category A certification, PSG eligibility, and a growing App Marketplace. AIMM's single biggest advantage is price: at 50 employees it is roughly 8-9x cheaper. All pricing figures were verified against each vendor's published pricing page in June 2026. For broader context, see our best payroll software for Singapore SMEs guide.
The pricing model difference
JustLogin charges per employee (S$5/employee/month, minimum 5 employees) — every hire adds S$5/month. AIMM charges per company (one flat fee per tier, regardless of headcount within that tier) — every hire within a tier costs nothing extra. That structural difference is why AIMM is so much cheaper as headcount grows.
AIMM vs JustLogin: pricing comparison at real headcounts
| Employees | AIMM Payroll | JustLogin | Difference |
|---|---|---|---|
| 5 | S$9.90/mo (Starter) | S$25/mo | AIMM S$15.10 cheaper |
| 10 | S$9.90/mo (Starter) | S$50/mo | AIMM S$40.10 cheaper |
| 25 | S$29/mo (Growth) | S$125/mo | AIMM S$96 cheaper |
| 50 | S$29/mo (Growth) | S$250/mo | AIMM S$221 cheaper |
How the math works: JustLogin is S$5/employee/month with a 5-employee minimum. At 5 employees, that is S$25/month; at 50, S$250/month — the cost scales linearly with every hire. AIMM uses flat tiers: Free (S$0, up to 3), Starter (S$9.90/month, up to 10), Growth (S$29/month, up to 50), and Business (S$69/month, up to 200). Within a tier, hiring does not change your bill. At 50 employees, AIMM Growth (S$29/month) is roughly 8.6x cheaper than JustLogin (S$250/month) — a saving of S$221/month or S$2,652/year.
AIMM Payroll full tier breakdown
| Plan | Monthly price | Annual price | Max employees | Key features |
|---|---|---|---|---|
| Free | S$0 | S$0 | 3 | CPF/SDL/SHG, payslips, IR8A/IR21, eZpay |
| Starter | S$9.90 | S$99/year | 10 | Adds GIRO bank files |
| Growth | S$29 | S$290/year | 50 | Adds leave management, AI co-pilot, audit trail |
| Business | S$69 | S$690/year | 200 | Same as Growth, higher headcount ceiling |
JustLogin does not publish per-plan prices — it uses custom pricing across Essential, Growth, and Enterprise tiers, each billed per employee. The S$5/employee/month starting rate (5-employee minimum) is verified; JustLogin also offers a Xero App Store exclusive at S$1.99/employee/month. JustLogin offers a 14-day free trial; AIMM offers a genuine free tier (up to 3 employees, permanently, not a trial).
AIMM vs JustLogin: feature comparison
| Feature | AIMM Payroll | JustLogin |
|---|---|---|
| Pricing model | Flat per-company | Per-employee |
| Free tier | Yes (up to 3 employees) | No (14-day trial only) |
| CPF / SDL / SHG / FWL auto-calc | Yes | Yes |
| IRAS AIS (Cat A vs in progress) | In progress | Yes (Category A) |
| AIS direct API submission | In progress | Yes (direct API) |
| IR8A / IR21 file generation | Yes | Yes |
| PSG pre-approved | In progress | Yes |
| Xero integration | Available | Yes |
| QuickBooks Online integration | Available | Yes |
| Mobile app | Planned | Yes |
| Multi-country payroll | Singapore only | SG/MY/HK/Myanmar |
| Leave management | Yes (Growth tier+) | Yes |
| GIRO bank files | Yes (Starter tier+) | Yes |
| CPF eZpay file generation | Yes | No (uses GovTech APEX for one-click CPF submission) |
| AI co-pilot | Yes (Growth tier+) | Moderate (AI recruitment features) |
| Audit trail | Yes (Growth tier+) | Yes |
| GovTech integration | In progress | Yes |
| App Marketplace (accounting sync) | Available (Xero/QBO) | Yes (Xero/QBO/NetSuite/Bukku/Convera (Beta), Jun 2026) |
| 25-year track record | No (newer entrant) | Yes (since 2000) |
Sources: AIS status per the IRAS AIS software developers list at iras.gov.sg. PSG eligibility per the IMDA/GoBusiness PSG vendor list. JustLogin pricing verified against justlogin.com, June 2026.
Both tools cover the core compliance surface. The gaps are in maturity and integration depth — and they favour JustLogin. AIMM's advantages are concentrated in price and its AI co-pilot.
Where AIMM wins
1. Lowest cost — and the gap widens with every hire
This is AIMM's single biggest advantage. At 5 employees, AIMM Starter (S$9.90/month) is already cheaper than JustLogin (S$25/month). At 50 employees, AIMM Growth (S$29/month) is roughly 8.6x cheaper than JustLogin (S$250/month) — a saving of S$221/month or S$2,652/year. For an SME whose need is core compliance, AIMM delivers that for a fraction of JustLogin's cost.
2. Flat per-company pricing
Every hire on JustLogin adds S$5/month. AIMM's flat tiers mean hiring your 11th, 20th, or 49th employee costs the same as your 10th. Your payroll cost only changes when you cross a tier boundary (3 to 10, 10 to 50, 50 to 200). For a growing SME, that predictability matters.
3. A genuine free tier
AIMM's Free plan covers up to 3 employees at S$0/month, permanently, with the same compliance engine as the paid tiers (CPF, SDL, SHG, FWL, and compliant payslips). JustLogin has no free tier — only a 14-day trial. For early-stage startups and micro-SMEs, a real free tier is not a clock ticking down.
4. AI co-pilot
AIMM's Growth tier (S$29/month) and above include an AI co-pilot that assists with pay-run setup, flags anomalies, and answers compliance questions in natural language. JustLogin has been adding AI features — primarily AI recruitment tools (resume parsing, candidate ranking) — but AIMM's co-pilot focuses on the payroll run itself. For SMEs without a dedicated payroll specialist, an assistant that catches errors before submission has practical value.
Where JustLogin wins
We said this comparison would be honest, so here is where JustLogin has a genuine edge — and the larger section because its advantages are real.
1. 25-year track record
JustLogin has been running Singapore payroll since 2000 — a quarter-century of compliance history, weathering every CPF rate change, IRAS filing requirement update, and OW ceiling revision over that period. For SMEs and accounting firms that prioritise institutional stability and a proven compliance record, that longevity is hard to replicate.
2. IRAS AIS Category A certified (direct API submission)
This is the most important capability gap in the comparison. Since Year of Assessment 2022, AIS submission is mandatory for employers with 5 or more employees, with a filing deadline of 1 March each year. JustLogin is IRAS AIS Category A certified, submitting directly to IRAS through the API — no manual file uploads.
AIMM generates IR8A and IR21 files in the correct format but is not yet IRAS AIS Category A certified — its direct API submission and AIS certification are in progress, so AIMM users submit via file generation. If your filing season is imminent or direct API submission is a hard requirement, an AIS-listed vendor like JustLogin is the safer choice. The penalty for non-submission is serious: up to S$5,000, with penalties of up to 200% of tax for negligence and 400% for wilful evasion, per IRAS. See our IRAS AIS and IR8A filing guide.
3. PSG-eligible
JustLogin is pre-approved for the Productivity Solutions Grant (PSG), which can fund up to 50% of qualifying subscription costs — narrowing (though not eliminating) AIMM's price advantage. AIMM's PSG pre-approval is in progress, so AIMM subscriptions are not currently PSG-fundable. If PSG funding is part of your budgeting, JustLogin qualifies today.
4. GovTech integration
JustLogin has deep integration with Singapore government digital services, including GovTech APEX integration for CPF/IRAS/OED data flows — built over 25 years in the local market. AIMM's GovTech integration is in progress.
5. App Marketplace (June 2026)
JustLogin launched an App Marketplace in 2026 with live integrations for Xero, QuickBooks Online, Oracle NetSuite, Bukku, and Convera (Beta). For accounting-led SMEs where payroll-to-ledger sync is non-negotiable, this is a genuine differentiator. AIMM's Xero and QBO integration is available. The differentiator is breadth: JustLogin's marketplace covers five accounting systems, while AIMM covers Xero and QBO. If your finance team needs payroll data flowing into NetSuite or Bukku, JustLogin can do that today; AIMM cannot.
6. Mobile app and multi-country payroll
JustLogin has a mobile app for employees to view payslips and leave, and supports multi-country payroll across Singapore, Malaysia, Hong Kong, and Myanmar. AIMM is currently web-based (a mobile app is planned) and Singapore-only. If you run payroll across multiple countries or mobile access matters, JustLogin fits better.
Best for: who should choose which
| If you prioritise... | Choose... | Why |
|---|---|---|
| Lowest cost at any headcount | AIMM Payroll | Flat per-company pricing; roughly 8.6x cheaper at 50 employees; only free tier in this comparison |
| A genuine free tier | AIMM Payroll | Free for up to 3 employees, permanently; JustLogin only offers a 14-day trial |
| Direct IRAS API submission today | JustLogin | AIS Category A certified; AIMM's AIS certification is in progress |
| PSG funding | JustLogin | PSG pre-approved; AIMM's PSG pre-approval is in progress |
| 25-year compliance track record | JustLogin | Running Singapore payroll since 2000 |
| Xero / QBO / NetSuite accounting sync | JustLogin | App Marketplace live (June 2026); AIMM has Xero and QBO available |
| GovTech integration | JustLogin | Deep government digital services integration; AIMM's is in progress |
| Multi-country payroll (SG/MY/HK) | JustLogin | Supports 4 countries; AIMM is Singapore-only |
| Mobile app for employees | JustLogin | Mobile app available; AIMM's is planned |
| AI co-pilot for the pay run | AIMM Payroll | AI co-pilot on Growth tier+ (S$29/mo); JustLogin's AI is recruitment-focused |
| Predictable flat-fee budgeting | AIMM Payroll | Bill does not change when you hire within a tier |
The honest summary: AIMM wins decisively on price and is the only option here with a free tier. JustLogin wins on compliance maturity, direct IRAS submission, PSG, accounting integrations, GovTech integration, mobile, and multi-country. The decision is which trade-offs match your business.
The bottom line
The two products are optimised for different buyers, and neither is universally better. AIMM Payroll is the cheapest way to run compliant Singapore payroll — dramatically so as headcount grows, and uniquely so with a genuine free tier. JustLogin is the established, mature choice with the compliance credentials (AIS Category A, PSG, GovTech integration) and integration ecosystem (App Marketplace: Xero/QBO/NetSuite) from 25 years in the market.
The capability gap is real and stated plainly: AIMM's only structural advantages are price and its AI co-pilot, while JustLogin leads on compliance maturity (AIS Category A, PSG, GovTech integration) and integration breadth (App Marketplace with five accounting systems vs AIMM's Xero and QBO). If your priority is the lowest monthly bill with solid core compliance, AIMM delivers that. If your priority is the most established compliance track record with direct IRAS submission and the broadest accounting sync, JustLogin earns its premium. Whatever you choose, ensure your software handles CPF (37% total, 17% employer + 20% employee, OW ceiling S$8,000/month per CPF Board), SDL (0.25% of monthly remuneration, min S$2, max S$11.25 per CPF Board/SSG), SHG, FWL, AIS filing, and itemised payslips correctly — getting those wrong dwarfs any subscription price difference. See our CPF contribution rates guide and SDL calculation guide.
Run compliant Singapore payroll from S$0 with AIMM Payroll. Start free.