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For micro businesses with 1-3 employees

Stop Drowning in
CPF, WICA & IR8A
Paperwork

You started a business to do what you love — not to wrestle with statutory submissions every month. Elitez EOR handles all your employment compliance for just $59/month.

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$59
Per employee / mo · micro-business
~92K
KrisFlyer miles/year
0
Hours on payroll admin
Part of Elitez Group of Companies
The problem

Running a Micro Business Shouldn't Mean Running Payroll

You have 1-3 employees. No HR department. No finance team. But the government expects the same compliance as a 500-person company.

📋

Monthly CPF Submissions

Calculate employer (17%) and employee (20%) contributions, file via CPF Board portal every month

~2 hrs/month
🛡

WICA Insurance

Source and renew Work Injury Compensation Act coverage. Overpay because you can't get group rates

~1.5% solo vs 0.5% group
🏥

Health Benefits

No bargaining power for hospital & surgery or outpatient plans. Individual premiums are steep

$80-120/mo per head
📊

Annual IR8A Filing

Prepare IR8A, Appendix 8A/8B for every employee. One mistake = penalties from IRAS

~4 hrs/year per employee
Monthly time drain
CPF calculation & submission2 hrs
Payslip preparation1 hr
SDL & FWL tracking0.5 hrs
Leave & benefits admin1 hr
Total per month4.5 hrs
Annual time drain
IR8A preparation4 hrs
WICA renewal & sourcing3 hrs
Health insurance admin2 hrs
Year-end reconciliation3 hrs
Total per year66 hrs
The solution

Park Your Employees With Us.
We Handle Everything.

Your employees legally sit under the Elitez Group umbrella. You retain full operational control. We handle all statutory obligations.

1

Sign a 12-month agreement

Simple onboarding. We transfer your employees into our group payroll within 5 business days.

2

We run payroll monthly

CPF submissions, SDL, payslips — all done. You just approve the salary amount each month.

3

Group-rate benefits kick in

Your employees get WICA at ~0.5%, health coverage at $25/mo — rates only possible at scale.

4

Year-end is on us

IR8A, tax filings, reconciliation — we handle everything come March. Zero stress for you.

✗ Without Elitez
  • ✕ Calculate CPF manually each month
  • ✕ File CPF via portal before 14th
  • ✕ Source WICA insurance alone (1.5%+)
  • ✕ Manage individual health plans ($80+/mo)
  • ✕ Prepare IR8A for each employee
  • ✕ Track SDL, leave, deductions
  • ✕ Risk penalties for late/wrong filings
✓ With Elitez
  • ✓ Approve salary — we do the rest
  • ✓ WICA at group rate (~0.5%)
  • ✓ Health coverage at $25/mo
  • ✓ All statutory filings handled
  • ✓ Pay via credit card, earn miles
  • ✓ Peace of mind, zero admin
Economy of scale

Big Company Benefits.
Micro Business Price.

🛡

WICA Insurance

Group-rate Work Injury Compensation for office-based employees

~0.5% of salary
vs 1.5%+ buying solo
🏥

Healthcare Benefits

Hospital & surgery insurance + outpatient clinic visits included

$25/mo per employee
vs $80-120/mo individual
📋

Full Compliance

CPF, SDL, IR8A, payslips — everything statutory, on time, every time

Included
66 hrs/year saved
Simple pricing

One Flat Fee. No Hidden Costs.

No per-transaction charges. No percentage cuts. Just a simple monthly fee per employee.

Micro Business
1 – 5 Singaporean / PR employees
$59
per employee · per month
Promo rate · valid through 2026–2027
CPF Form 90 required. Submit your CPF Form 90 to confirm micro-business status and unlock the $59 rate.
Small Business
6 or more employees
$99
per employee · per month
Standard tier — no CPF Form 90 required. Same full-service payroll, benefits & compliance as Micro Business.
All tiers include
  • ✓ Monthly CPF calculation & submission
  • ✓ SDL contribution management
  • ✓ Payslip generation & distribution
  • ✓ Annual IR8A preparation & filing
  • ✓ Access to group WICA rates (~0.5%)
  • ✓ Access to group healthcare ($25/mo)
  • ✓ Leave & benefits administration
  • ✓ Dedicated account support
Step 1 — Calculator

See Your True Employment Cost

Enter your Singaporean / PR employee details to see the full statutory breakdown — CPF, SDL, WICA, healthcare, and the Elitez EOR fee.

🇸🇬 For Singaporean citizens & PRs only

* CPF rates based on 2026 contribution rates. OW ceiling of $7,400/month applies. SDL is 0.25% of monthly wages (min $2, max $11.25). WICA Self-Sourced is a typical market estimate; SME rate is the Elitez Group consolidated rate.

Step 2 — Miles bonus

Turn Your Payroll Into
Business Class Flights

Pay your monthly Elitez invoice via CardUp at 1.7% — earn ~1.6 KrisFlyer miles per dollar on a top miles card. Every monthly charge stacks up.

✈️

Run the calculator above and click Compute to see your annual KrisFlyer miles, destination redemption options, and your full ROI.

FAQ

Common Questions

What exactly is an Employer of Record (EOR)? ▼
An EOR legally employs your workers on your behalf. Your employees are technically on our payroll (under Elitez Group), but they work exclusively for you and you retain full operational control — same workspace, same reporting lines, same day-to-day. We handle all the legal and statutory obligations: CPF, WICA, IR8A, payslips, SDL, and benefits administration.
Will my employees know they're under a different company? ▼
Yes, legally their employment contract will be with Elitez Group. However, this is standard practice for EOR arrangements. Many employees appreciate the enhanced benefits (better healthcare, lower WICA costs) that come with being part of a larger group. Their day-to-day work, reporting line, and workspace remain entirely with you.
Who is Elitez EOR best for? ▼
Elitez EOR is designed specifically for micro businesses and sole proprietors in Singapore who employ 1-3 local Singaporean employees and have no foreign workers. If you're a small business owner spending hours each month on CPF submissions and payroll admin — instead of growing your business — we're built for you.
How does the CardUp credit card payment work? ▼
Each month, we invoice you for the total employment cost (salary + CPF + WICA + healthcare + SDL + Elitez fee). Instead of paying by bank transfer, you can pay this invoice through CardUp using your credit card at a preferential 1.7% processing fee. If you use a miles-earning credit card (like DBS Altitude or OCBC 90°N), you'll earn KrisFlyer miles on the entire invoice amount. We absorb the CardUp fee for your first 6 months when you sign a 12-month contract.
What's the contract commitment? ▼
We require a minimum 12-month contract. This allows us to offer the 6-month free CardUp fee promotion and ensures stable employment arrangements for your staff. After the initial 12 months, the contract auto-renews on a month-to-month basis with a 1-month notice period.
Can I still manage my employees' work and schedule? ▼
Absolutely. You retain 100% operational control. You set their tasks, schedule, workspace, performance goals — everything. We only handle the administrative and statutory employment obligations. Think of us as your outsourced HR back-office, not a staffing agency.
What about the $25/month healthcare — what does it cover? ▼
The $25/month healthcare package includes hospital & surgery insurance and outpatient clinic visits. This is a group plan rate that's only possible because your employees are pooled with the wider Elitez Group workforce. An equivalent individual plan would typically cost $80-120/month.
How quickly can I get started? ▼
Onboarding typically takes 5 business days. We handle the employment letter transfer, benefits enrollment, CPF account setup, and WICA coverage — all you need to do is provide your employee details and sign the agreement.
Ready to simplify?

Pay from $850/year.
Fly Business Class.

Stop wasting 66 hours a year on payroll admin. Let Elitez handle your compliance while you earn enough miles for a business class ticket worth $3,500–$5,000.

Get Started → Try the Calculator