Payroll software for a small business that runs without a payroll person
A 10 to 50 person company in Singapore does not need a payroll department. It needs attendance that records itself, statutory maths that is never done by hand, and a bank file that comes out of an approved run. MUST does exactly that.
Part of HR & payroll that runs itself for Singapore SMEs.
Today
Where the hours go
Timesheets chased on WhatsApp, hours typed into Excel, CPF looked up on a table, and a weekend gone.
Age bands, wage ceilings and SHG funds change. One slip means refunds and top-ups for months.
Every name, every amount, typed again into the bank portal. One typo becomes one angry employee.
With MUST
What changes
GPS clock-in on the staff phone, OT and leave approved by the manager, and payroll reads the result. Nothing is re-entered.
CPF, SDL and SHG computed automatically. Rate changes are part of the subscription, not your problem.
The approved payroll run generates the salary file for major Singapore banks. Upload, done.
How a small business payroll runs itself
One human approval. Everything else computed.
1 · Attendance records itself
Staff clock in on the phone with GPS. Lateness, OT and site are on the record the moment it happens.
2 · Approvals happen in one queue
Leave and claims land in the manager queue, approved in two taps, with a full audit trail.
3 · Payroll computes from clean data
Approved hours, OT and leave flow into MUST Payroll. CPF, SDL and SHG are computed by age band and wage ceiling.
4 · Payslips, GIRO file, year-end
Itemised payslips go to every phone, the bank file is generated from the approved run, and twelve clean months feed IR8A.
The bigger picture
HR & payroll that runs itself
Recorded at source, approved once by a human, computed and never re-typed. The three rules behind every page in this series.
Read the full pictureQuestions, answered
We are 12 people. Is automated payroll worth it at this size?
Yes. The time saved is the same every month regardless of headcount, and the statutory risk is the same too. Most small teams go live within a week: we import the staff list from Excel, set leave policies and shifts, and staff install the app from a QR code.
Do we still need an accountant for payroll?
Your accountant keeps the books. MUST gives them a clean, auditable payroll run every month, with who changed what, who approved and what was paid on the record, instead of a spreadsheet to reconstruct.
Which banks does the GIRO file work with?
Salary files are generated in the formats used by major Singapore banks. Tell us your bank in the readiness call and we confirm the exact format.
Can we start with payroll only?
Yes. MUST Payroll works standalone with imported hours. Adding MUST HRMS later brings attendance, OT and leave in automatically, which is where the largest saving lives.
See your month-end done in an afternoon
A walkthrough with your headcount, your shifts and your bank. No obligation.