Compare · All-in-one business software
SME AI Office vs Zoho One
Zoho One is a suite of 50+ business apps licensed per employee. SME AI Office is one Singapore system for a small business, with no per-user fee.
Prices checked 30 September 2026
The short answer
Choose Zoho One if you want 50+ apps under one licence, from CRM and marketing to help desk and analytics, and every employee needs them. It is S$40 an employee a month billed annually, and every employee on payroll must be licensed.
Choose SME AI Office if you want accounting, GST, payroll with CPF and a website or POS for a small Singapore team without paying per person. Pro 365 is S$365 a year; Zoho One for five employees is S$2,400 a year billed annually, before GST.
Side by side
| SME AI Office | Zoho One | |
|---|---|---|
| Price | Free plan S$0. Pro 365 S$39 a month or S$365 a year | S$40 an employee a month, billed annuallyAll employees must be licensed. S$55 billed monthly. GST extra |
| Free plan | Yes, for good. No card, no time limit | Free trial, 30 days |
| Per-user fee | None. Team logins and staff app included on Pro 365 | Per employee, or S$115 a user a month for flexible usersFlexible users billed annually; S$145 billed monthly |
| Payroll and CPF | Built in on Pro 365: CPF by age band, bank file, IR8A | Zoho Payroll is listed for the USA, UAE and India |
| GST F5 | Filled in from your records on Pro 365. You file on myTax Portal | In Zoho Books: generated, exported and filed by you with IRAS |
| PayNow | Free PayNow QR on every order, booking and invoice | PayNow QR on invoices through a connected Stripe account |
| Apps | One system: website, shop, bookings, POS, accounting, payroll | 50+ business apps on one licence |
| Setting up | WhatsApp us and we set you up free | Jumpstart service or a Zoho partner |
Which one fits
SME AI Office fits when
- You are a small Singapore team and want no per-person fee.
- You need payroll with CPF, GST F5 and PayNow working out of the box.
- You want your website, shop, bookings or POS in the same place as your accounts.
Zoho One fits when
- You want marketing, help desk, analytics and many other apps for every employee.
- You already run on Zoho CRM or Zoho Books.
- You want to build custom apps on one platform.
Everything you sell with is free. Your back office is Pro 365, S$365 a year.
Questions
Is SME AI Office cheaper than Zoho One in Singapore?
For a small team, yes. Zoho One is S$40 an employee a month billed annually, before GST, and every employee on payroll must be licensed: S$2,400 a year for five people. SME AI Office Pro 365 is S$365 a year for the whole business, and the Free plan is S$0.
Does Zoho One include Singapore payroll with CPF?
Zoho's Singapore help says Zoho Payroll is available in the USA, UAE and India. SME AI Office runs payroll with CPF on Pro 365: rates by age band and PR year, the CPF submission file, bank file and IR8A, with no per-employee fee.
Can Zoho One or SME AI Office file my GST F5 to IRAS?
Neither files it for you. Zoho Books generates the F5 for you to export and submit to IRAS. SME AI Office fills in every F5 box from your own records on Pro 365, and you file on myTax Portal.
What is a simpler alternative to Zoho One for a Singapore small business?
SME AI Office is one system built for Singapore: accounting, GST F5, payroll with CPF, invoices with a free PayNow QR, and a website, shop, bookings or POS. We set it up free when you WhatsApp us, and Pro 365 is S$365 a year.
Can I move from Zoho One to SME AI Office?
Yes. Export your contacts, products and invoices from Zoho, then WhatsApp us on +65 9613 7676 and we help you move it over. Contacts can also be imported from CSV.
Zoho One facts are from zoho.com/one/pricing, zoho.com/one, zoho.com/en-sg/books/kb/general/payroll, zoho.com/en-sg/books/help/gst/f5-return, checked on 30 September 2026. Prices are as shown there. Zoho One is a trademark of Zoho Corporation Private Limited. SME AI Office is not connected with Zoho One.