Accountant for Small Business
Accountant for Small Business
Free Tool No obligation Singapore SMEs

Singapore Bookkeeping Cost Calculator

Drag the slider to your monthly transaction volume, add payroll headcount and see your estimated monthly fee in seconds, alongside a comparison with in-house hiring costs.

Your Business Profile

20 tx/mo
5 (min)30 (Starter)100 (Growth)150+
0None

Your Estimated Cost

Recommended planStarterSole props, low volume (under 30 tx/mo)
Est. monthlyS$90

Fee breakdown

Base Starter plan+S$90
Total /monthS$90
Annual costS$1,080
In-house hire /yrS$53,940
You save /yrS$52,86098% less
Get your exact fixed quoteSee full pricing

*Estimates only. Exact fee confirmed on a free call based on your real transaction count.

What each plan includes

Starter From S$90/mo
  • Monthly bookkeeping
  • Bank reconciliation
  • Year-end statements
  • Dedicated accountant
  • Xero / QuickBooks
Growth From S$250/mo
  • Everything in Starter
  • Management reports
  • AP/AR tracking
Full From S$450/mo
  • Everything in Growth
  • Monthly payroll with CPF
  • Itemised payslips
Full pricing breakdown →

Also need CPF calculations?

Use our free CPF calculator to check employer and employee contributions with the 2026 OW ceiling of S$8,000.

CPF Calculator 2026 →

What drives the cost of bookkeeping in Singapore?

01 Biggest factor

Transaction volume

The biggest driver. More invoices, receipts and bank entries mean more work. A sole proprietor with 20 transactions pays far less than a company processing 150 a month.

02 Per employee

Payroll headcount

Each employee adds monthly payroll processing, CPF computation and payslip generation. The payroll addon is priced per employee so your fee scales cleanly with headcount.

03 Adds complexity

GST registration

GST-registered businesses have quarterly F5 filing obligations which adds reconciliation complexity and a small fee uplift. Non-GST businesses pay less.

04 Tier factor

Frequency & scope

Monthly books cost more than year-end only, because they keep records current throughout the year. Adding management reports or AP/AR tracking moves you to the Growth plan.

Frequently Asked Questions

How much does bookkeeping cost per month in Singapore?
Monthly bookkeeping for a Singapore SME typically costs S$90 to S$800, depending on transaction volume, whether you need payroll and management reports, and bookkeeping frequency. A low-volume sole proprietor pays far less than a GST-registered company with staff.
What drives the cost of bookkeeping in Singapore?
The main driver is monthly transaction volume. GST registration, payroll headcount and whether you need monthly management reports also adjust the fee. Annual bookkeeping costs roughly 30% less than monthly.
Is it cheaper to outsource bookkeeping or hire in-house?
For most Singapore SMEs, outsourcing is significantly cheaper. An in-house bookkeeper costs S$3,500 to S$5,500 per month including CPF and benefits. Outsourcing the same work typically costs S$90 to S$800 per month, a saving of 70 to 85%.
What is included in a bookkeeping service?
A monthly bookkeeping service covers transaction recording, bank reconciliation, accounts payable and receivable, and a monthly summary. Full-service plans also include SFRS financial statements, management reports and payroll with CPF.
Does the estimator include GST filing?
No. GST and corporate tax filing are done by your licensed Singapore tax agent. Our bookkeeping service keeps your records clean and tax-ready so your tax agent can file accurately. The calculator covers accounting costs only.

Related tools & services

CPF Calculator Singapore 2026

Calculate employer CPF, employee CPF and SDL instantly.

Bookkeeping Services Singapore

Monthly Xero bookkeeping from S$90/mo — transaction-based pricing.

Transparent Pricing

See all plans, what each includes, and get a fixed quote.

Ready for an exact price?

Get a fixed monthly quote built around your real transaction volume. One short call, one clear number, no obligation.

Get my fixed quote →

Accountant for Small Business is a remote accounting firm serving Singapore sole proprietors, Pte Ltd companies, e-commerce sellers and growing SMEs. We handle bookkeeping, CPF payroll, SFRS financial statements and monthly management reports, so your records stay clean, your tax agent can file on time, and you always know what you're paying.

Singapore-focused • Cloud-based delivery via Xero & QuickBooks • Fixed monthly fees • No hidden costs

Mehdi Javed Chat with Mehdi