Both AIMM Payroll and Singroll offer free tiers for small Singapore businesses. AIMM's free tier covers 3 employees with full compliance and no ads; Singroll's covers 4 employees with ads. AIMM's paid tiers (S$9.90-S$69/month flat) are cheaper than Singroll's paid plans (S$25-90/month). Choose AIMM for ad-free compliance at lower cost, Singroll if you need IRAS AIS e-Submission today.
If you searched "AIMM vs Singroll," you are likely a Singapore SME owner or bookkeeper weighing two of the few local payroll tools that still offer a genuinely free tier. Both calculate CPF, SDL, SHG and FWL, generate payslips, and handle the compliance basics. The real question is where they diverge: pricing as you grow, how IRAS submission actually works, and the service fees that may not appear on the pricing page.
This guide compares them on pricing at real headcounts, feature coverage, IRAS AIS submission, and the hidden costs in Singroll's terms. We are deliberately honest about where Singroll wins, because picking the wrong tool costs more than the subscription. AIMM figures are from the AIMM codebase and pricing page; Singroll figures are from the Singroll pricing page and SoftwareFinder, verified June 2026. For broader context, see our best payroll software for Singapore SMEs guide.
AIMM vs Singroll: pricing comparison
Both vendors use flat per-company tiered pricing rather than per-employee billing. The difference is where the tier boundaries sit and how steep the jumps are.
| Employees | AIMM Payroll | Singroll | Difference |
|---|---|---|---|
| 4 | S$9.90/mo (Starter) | S$0/mo (Free) | Singroll S$9.90 cheaper |
| 10 | S$9.90/mo (Starter) | S$25/mo (Lite) | AIMM S$15.10 cheaper |
| 25 | S$29/mo (Growth) | S$100/mo (Prime) | AIMM S$71 cheaper |
| 50 | S$29/mo (Growth) | S$100/mo (Prime) | AIMM S$71 cheaper |
How the math works. AIMM's Free plan caps at 3 employees, so a 4th pushes you onto Starter at S$9.90/month (up to 10). Singroll's Free plan covers up to 4, so it stays at S$0 through employee 4 — the one headcount where Singroll's free tier is genuinely larger.
From 5 employees onward the picture flips. At 10, AIMM stays on Starter (S$9.90/month) while Singroll moves to Lite (~S$25/month). At 25, Singroll's Advanced tier (up to 20, ~S$50/month) is exceeded, so you land on Prime at ~S$100/month for up to 50; AIMM covers 25 and 50 on Growth at S$29/month flat. AIMM's Business tier (S$69/month, up to 200) is still cheaper than Singroll's Prime while covering four times the headcount.
Note on Singroll pricing. Figures above are from Singroll's pricing page, verified June 2026: Lite ~S$25/month, Advanced ~S$50/month, Prime ~S$100/month, Premium ~S$200/month unlimited. Some third-party sources cite different amounts; confirm on singroll.com before purchase. AIMM offers annual billing at a discount (Starter S$99/year, Growth S$290/year, Business S$690/year); Singroll's annual terms are less consistent, so the monthly figures are the safe comparison basis.
AIMM vs Singroll: feature comparison
Price is only half the decision. The table below covers the features that matter to a Singapore SME: compliance coverage, how IRAS AIS submission works, accounting integrations, mobile access, multi-country support, and value-adds like an AI co-pilot and audit trail.
| Feature | AIMM Payroll | Singroll |
|---|---|---|
| Pricing model | Flat per-company (tiered) | Flat per-company (tiered) |
| Free tier | Yes (up to 3 employees) | Yes (up to 4 employees) |
| Ad-free experience | Yes (all tiers, including Free) | No on Free tier (ads displayed); ad-free from Lite |
| CPF / SDL / SHG / FWL auto-calc | Yes (all tiers) | Yes |
| Itemised payslips | Yes (all tiers) | Yes |
| IR8A / IR21 file generation | Yes (all tiers) | Yes |
| IRAS AIS submission | In progress — generates IR8A/IR21 files in IRAS format for self-submission; direct API/AIS submission in progress | Yes — AIS e-Submission on all tiers incl. Free |
| IRAS AIS Category A (direct API) | In progress (not yet certified) | Not confirmed |
| PSG pre-approved | In progress | No |
| Xero integration | Available | Yes (Advanced tier and above) |
| QuickBooks Online integration | Available | No |
| Mobile app | Planned | No |
| Multi-country payroll | Singapore only | Singapore only |
| Leave management | Yes (Growth tier and above) | Yes (Lite and above) |
| GIRO bank files | Yes (Starter and above) | Yes (Lite and above; DBS/UOB/OCBC) |
| CPF eZpay file generation | Yes (all tiers) | Yes |
| Time & attendance tracking | No | Yes (Free tier and above) |
| AI co-pilot | Yes (Growth tier and above) | No |
| Audit trail | Yes (Growth tier and above) | No |
| Multi-company access | Yes (within tier) | Yes (Advanced tier and above) |
Sources: AIMM feature coverage per the AIMM product codebase and tier feature matrix. Singroll features per the Singroll pricing page and product pages, verified June 2026. AIS status per the IRAS AIS software developers list at iras.gov.sg. PSG eligibility per the IMDA/GoBusiness PSG vendor list.
Both tools cover the core Singapore compliance surface: CPF by age band and PR status, SDL, SHG funds, FWL, IR8A/IR21 generation, GIRO bank files, and CPF eZpay file generation. For context, CPF in 2026 totals 37% (17% employer plus 20% employee) with an Ordinary Wage ceiling of S$8,000/month (Source: CPF Board); SDL is 0.25% of monthly remuneration, floor S$2, cap S$11.25 (Source: CPF Board / SSG). See our CPF contribution rate 2026 guide and SDL calculation guide for worked examples.
The sharp divergence is IRAS AIS submission — covered honestly next.
Where AIMM wins
1. An ad-free free tier
AIMM's Free plan (up to 3 employees) runs the same compliance engine as the paid tiers — CPF, SDL, SHG, FWL, itemised payslips, IR8A/IR21 generation, eZpay support — with no advertisements. Singroll's free tier covers 4 employees but displays ads. For a founder who wants payroll to look professional when a new hire opens their payslip, an ad-free free tier matters.
2. Lower paid-tier pricing above 5 employees
From 5 employees up, AIMM is cheaper at every step. At 10, AIMM Starter (S$9.90/month) is roughly 2.5x cheaper than Singroll Lite (~S$25/month). At 50, AIMM Growth (S$29/month) is about 3.4x cheaper than Singroll Prime (~S$100/month). AIMM's Business tier (S$69/month, 200 employees) undercuts Singroll Prime while covering four times the headcount.
3. Flat per-company pricing with no per-employee tax
Both vendors are flat-per-company, but AIMM's tier boundaries are more generous relative to price. Hiring your 11th employee on AIMM costs nothing extra; the price only changes when you cross a tier boundary, so payroll cost is a predictable line item.
4. AI co-pilot and audit trail (Growth tier and above)
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, plus an audit trail recording who changed what and when. Singroll offers neither.
5. No hidden service fees
This is the biggest structural difference and gets its own section below. AIMM's subscription is the full price; Singroll layers additional service fees on top for routine operational help.
Where Singroll wins
We promised honesty, so here is where Singroll has a genuine, material edge.
1. IRAS AIS e-Submission — available today, on every tier including Free
This is Singroll's strongest advantage and the most important differentiator if you have 5 or more employees. Singroll offers IRAS AIS e-Submission (electronic submission to IRAS) on all tiers, including the free plan — you submit employee income data to IRAS electronically from within the software.
AIMM does not yet offer AIS e-Submission. AIMM generates IR8A and IR21 files in the correct IRAS format, but you submit them yourself (direct/API submission is in progress, and AIMM is not yet IRAS AIS Category A certified). If one-click electronic submission with zero manual IRAS portal steps is your priority, Singroll is ahead today.
Why this matters: IRAS AIS is mandatory for employers with 5 or more employees since YA2022, with a 1 March deadline. The penalty for non-submission is S$5,000, with up to 200% additional tax for negligence and 400% for wilful evasion (Source: IRAS). A tool that submits electronically reduces the risk of missing that deadline. See our IR8A filing guide for the workflow.
2. A larger free tier — 4 employees vs 3
Singroll's free tier covers 4 employees; AIMM's covers 3. For a tiny operation at exactly 4 employees, Singroll keeps you at S$0 while AIMM moves you to Starter (S$9.90/month). A narrow but real win for the smallest businesses.
3. Xero integration at Advanced tier
Both Singroll and AIMM integrate with Xero for payroll-journal sync. Singroll offers it from the Advanced tier (~S$50/month) and above; AIMM includes it from Starter. If you already run Xero and want automated payroll journals, both platforms can handle it — Singroll's advantage is its longer track record with the integration.
4. Time and attendance on the free tier
Singroll includes time and attendance tracking from the free tier upward — useful if you have hourly staff and want clock-in/clock-out data feeding payroll. AIMM does not offer this.
5. Bank file generation with named bank support
Singroll generates bank files for DBS, UOB and OCBC from the Lite tier. AIMM generates GIRO bank files from Starter (S$9.90/month). Both cover this, but Singroll names its supported banks explicitly.
6. Established user base
Singroll reports roughly 4,000 businesses using it in Singapore and was built by Singapore SMEs following MOM/CPF guidelines. That installed base means more battle-tested edge cases and community familiarity. AIMM is newer — lower prices and faster-moving development, but a shorter track record.
The hidden cost of Singroll's service fees
This is the part of the comparison the pricing page does not make obvious, and it is where AIMM's "no hidden fees" positioning is most defensible. Singroll charges additional service fees not included in the subscription, listed in its terms and conditions and applying to operational help many SMEs eventually need. Source: Singroll terms and conditions, verified June 2026.
| Service | Singroll fee |
|---|---|
| Payroll processing assistance | From S$200+ per man-day |
| Data export | From S$250+ per man-day |
| Account setup | From S$250+ per man-day |
| Bulk data import | From S$400+ per man-day |
| Integration services | From S$1,000+ per man-day |
Consider when these bite:
-
Data export (from S$250+/man-day). If you want to leave Singroll and take your payroll history with you, exporting that data is a billable service, not a self-service button. This raises the cost of switching away. AIMM's subscription is the full price and does not gate data export behind a per-man-day fee.
-
Bulk data import (from S$400+/man-day). Migrating employee records, historical payslips, or year-to-date CPF totals into Singroll when you onboard can incur a bulk-import fee — a meaningful one-off for a 25-employee company switching mid-year.
-
Account setup (from S$250+/man-day). Initial configuration — CPF rates, pay items, bank details — may be billable rather than guided onboarding.
-
Payroll processing assistance (from S$200+/man-day). If you want Singroll staff to run a pay cycle for you during a busy period, that help is charged per man-day rather than bundled.
-
Integration services (from S$1,000+/man-day). Custom integrations beyond the standard Xero sync carry a steep day rate.
The pattern: Singroll's subscription price is the floor, not the ceiling. A business needing occasional help with imports, exports, or setup can spend several hundred to a few thousand dollars in service fees on top of its monthly plan over a year. AIMM's model is subscription-only — the price you see is the price you pay, and running pay cycles and accessing your own data are self-service and included. This is a reminder to budget for total cost of ownership, not just the headline tier price. Factor in even one data export and one bulk import over a company's lifetime, and AIMM's price advantage widens considerably.
Best for: who should choose which
Choose AIMM Payroll if:
- You want an ad-free experience from S$0, including on the free tier.
- You have 5-50 employees and want the lowest subscription cost — AIMM is 2.5x to 3.4x cheaper in that band.
- You value predictable flat pricing with no per-man-day service fees for setup, imports, or exports.
- You want an AI co-pilot and audit trail (Growth tier, S$29/month).
- You are comfortable submitting IR8A/IR21 files yourself while AIMM's direct AIS submission is in progress.
Choose Singroll if:
- You have 5 or more employees and one-click IRAS AIS e-Submission is your top priority — Singroll has it today on every tier, including free.
- You already use Xero and want native payroll-journal sync (Advanced tier and above).
- You have hourly staff and need time and attendance tracking feeding payroll.
- You sit at exactly 4 employees and want to stay at S$0 (Singroll covers 4 vs AIMM's 3).
- You prefer a tool with a larger installed base (~4,000 businesses) and more battle-tested edge cases.
The honest summary: If IRAS AIS e-Submission is non-negotiable right now, Singroll is the safer pick — a confirmed capability AIMM does not yet match. If AIS self-submission is acceptable and you want the lowest total cost with no ad-supported free tier and no hidden service fees, AIMM wins on price, transparency, and the AI/audit value-adds. For a fuller market view, see our free payroll software for Singapore SMEs guide.
Run compliant Singapore payroll from S$0 with AIMM Payroll — no ads, no hidden fees. Start free.