For many Singapore SMEs, CPF submission is one of those monthly tasks that cannot go wrong.
It is mandatory. It is structured. It is deadline-driven.
And if done manually, it is fragile.
At Officaid, we built CPF automation directly into payroll so that contribution calculation, submission, and tracking are no longer separate activities. They become one controlled workflow.
This is how it works.
Officaid is a Singapore-certified One-Stop Payroll Vendor that automates CPF calculation, submission, and tracking directly within payroll. Priced at SGD 30 per month for up to 5 users, it handles IRAS, CPF Board, and MOM submissions in one workflow.
Why CPF Automation Is Critical for Singapore SMEs
The Central Provident Fund (CPF) requires employers to:
- Calculate employer and employee contributions accurately
- Deduct employee CPF from salary
- Submit contributions monthly
- Ensure payment is made by the 14th of the following month
- Reflect new hires, resignations, wage changes, and bonuses
Many companies still calculate CPF using spreadsheets and submit manually through the CPF portal. This leads to:
- Duplicate data entry
- Human calculation errors
- Version confusion in payroll files
- Last-minute submission pressure
- Mismatch between payslips and CPF declaration
CPF is rule-based by nature. That makes it ideal for automation.
How Officaid Automates CPF Contributions
1. Integrated Payroll and CPF Rule Engine
CPF rates vary depending on:
- Employee age
- Wage type (ordinary vs additional wage)
- Residency classification
- Government rate adjustments
Officaid's payroll rule engine automatically applies the correct CPF rate tier, splits employer and employee portions accurately, distinguishes ordinary and additional wages, handles mid-year salary changes and bonuses, and updates rule configurations when government rates change.
No spreadsheet formulas. No manual recalculation.
2. One Workflow From Payroll to CPF
Inside Officaid, the entire process runs in sequence:
- Run payroll
- Generate payslips
- System calculates CPF automatically
- CPF contribution summary is generated
- Bulk submission file is created
- Payment file for the bank is generated on the fly
Everything is linked to the payroll run. Everything is traceable. No copy-paste. No re-keying data.
3. Submission Tracking and Reconciliation
Officaid supports structured CPF submission via file-based upload to the CPF portal, with full internal tracking including:
- Submission references stored per payroll cycle
- Contribution reference tagging per employee
- Payment tracking against each cycle
- Clear reconciliation visibility across months
CPF becomes a trackable transaction, not just a filing event.
Designed for Compliance, Not Just Convenience
Many systems calculate CPF. Few are built around compliance discipline.
Officaid was designed for Singapore SMEs that submit CPF, SDL, and other statutory contributions, require full audit trails, want clean submission history, and need confidence during regulatory audits.
Every payroll cycle maintains a contribution breakdown per employee, full calculation logic, submission references, and historical payroll versions. Compliance becomes structured and transparent.
What You Gain by Automating CPF With Officaid
When CPF is integrated into your payroll workflow:
- Payroll processing time is reduced significantly
- Risk of miscalculation drops
- Late submissions become rare
- HR teams and founders stop worrying about manual errors
- Audit preparation becomes straightforward
Instead of managing CPF separately, it becomes part of a controlled business system.
Built for Growing Teams
Whether you are a startup with 3 employees, a growing SME with 25 team members, or a business expanding beyond 50 staff, CPF complexity increases as your team grows.
Officaid keeps payroll, CPF, finance, and reporting in harmony so compliance scales with you.
Getting Started
CPF is not optional. But stress around CPF is.
Officaid automates CPF contributions so Singapore SMEs can process payroll in minutes, generate compliant CPF submissions instantly, and track everything clearly, all inside one platform.
30 SGD per month for up to 5 users or start your 14-day free trial with no credit card required.