Independent guideAll prices in AUD

Best Payroll Software for Small Business in Australia (2026)

The best payroll software for a small Australian business is MYOB: its Payroll Only plan starts at $15 a month and includes the first 4 employees, then adds roughly $3 an employee above that, which makes it the cheapest capable option at almost any small headcount, for example $15 a month for 3 staff (inside the 4 included) and $33 a month for 10. Employment Hero is the pick for the strongest Modern Award interpretation once your team is large enough to clear its $100 a month minimum, and Xero Payroll is the seamless, no-extra-bill option if you already run Xero for accounting.

Independent guide by MerchantCompare. Prices last checked . How we compare

Our top picks for small business

1Best overall (cheapest for a small team)
MYOB logo

MYOB

3.9Capterra$3/emp/mo

MYOB's Payroll Only plan starts at $15 a month and includes the first 4 employees, then adds roughly $3 an employee above that, which beats every other contender's real monthly cost at small headcounts, working out to $15 a month for 3 staff and $33 a month for 10. It lodges STP Phase 2 and handles super, so a small team gets compliant pay runs without paying for features it does not need.

  • Cheapest real monthly cost at almost any small headcount
  • Standalone Payroll Only from $15/mo, including the first 4 employees, then about $3 per employee
  • Tight integration with MYOB accounting if you already use it

Watch out: Award interpretation is not as deep as Employment Hero's for complex hospitality and retail awards.

2Best for Modern Award interpretation
Employment Hero logo

Employment Hero

4.4Capterra$10/emp/mo (Payroll)

Employment Hero Payroll (formerly KeyPay) has the strongest Australian Modern Award interpretation of any contender, covering 100+ awards, which matters most for hospitality, retail and care businesses. It charges $10 an employee a month with a 10-user minimum, so the bill has a floor of about $100 a month regardless of headcount.

  • Best-in-class AU Modern Award interpretation across 100+ awards
  • Payroll plus HR, onboarding and self-service
  • Scales well once your team clears the minimum

Watch out: A $100/mo floor (10-user minimum) makes it dear for very small teams.

3Best if you use Xero
Xero logo

Xero

4.4CapterraPlan-based

Xero Payroll is included in Xero plans, so if your accounting already lives in Xero it is the seamless choice: one login, one bill, and pay runs that flow straight into your books.

  • Included in Xero plans, no separate payroll bill
  • Seamless with Xero accounting
  • Lodges STP to the ATO

Watch out: Only compelling if you already run, or plan to run, Xero for accounting.

Compare the picks at your numbers

Enter your business details to see what each option would cost you. Prices are live from our database and shown in Australian dollars.

3 ProvidersMYOB logoMYOBEmployment Hero logoEmployment HeroXero logoXero
Est. Cost /mo (AUD)$15/moCheapest$100/mo$107/mo
Ratings
3.9Capterra (148)4.4Capterra (239)4.4Capterra (3,299)
Costs & Pricing
$3/emp/mo$10/emp/mo (Payroll)Plan-based
$15/mo (Payroll Only, up to 4 emp)$100/mo min$78/mo (Grow)
NoNoNo
YesYesYes
NoNoNo
Compliance & Awards
YesYes (100+ awards)Limited
YesYesYes
YesYesYes
YesYesYes
NoNoNo
NoNoNo
NoNoNo
YesYesYes
YesYesYes (basic)
AI
Native (AI BAS, Smart Reconciliation)Native (Hero AI: SmartMatch)Native (JAX)
Via 3rd-party (CData)Via 3rd-party (Zapier)Native MCP (official)
Features & Integrations
YesYesYes
MYOB (native)Xero, MYOB, QuickBooksXero (native)
Business hours AUBusiness hours AU24/7 online
Estimates based on $15,000/mo volume. Rates can change without notice, confirm current pricing with the provider before signing on.
How we calculate this
  • Estimated cost: each provider’s published prices and rates applied to the inputs you set above (such as volume, team size, or invoices), plus any fixed monthly fees.
  • Providers with an incomplete cost (shown as “+ processing” or “+ payroll”) and quote-only providers are never ranked as the cheapest while a complete-cost option exists.
  • These are estimates. Published rates can change and your final pricing depends on your business, so confirm current pricing with the provider before switching.

Payroll is where small business compliance gets real: get a pay run or an award wrong and you have underpayments, unhappy staff and potential penalties. The right software automates Modern Award interpretation, superannuation and Single Touch Payroll so you do not have to think about them. The main decision is whether to use a dedicated payroll tool or the payroll built into your accounting software. Below are our ranked picks, then a live calculator to cost each at your headcount.

How we chose

Small businesses weigh payroll on compliance accuracy first, then cost per employee and fit with their existing tools. We ranked on the quality of Australian Modern Award interpretation (the thing most likely to cause underpayments), STP Phase 2 and superannuation handling, the real monthly cost once you count employees and any minimum, and whether the payroll integrates with the accounting software you already use. Pricing is live from our database in Australian dollars.

What small businesses should prioritise

Award interpretation is the feature that earns its keep. If you employ staff under a Modern Award, especially in hospitality, retail or care, software that applies the award rules automatically prevents the underpayment mistakes that catch out manual or spreadsheet payroll. After that, weigh the real cost: a low plan like MYOB's $15 a month Payroll Only tier, which includes the first 4 employees before the roughly $3-an-employee charge kicks in, is cheapest for a small team, while a platform with a monthly minimum tied to headcount, like Employment Hero's $10 an employee with a 10-user floor, only makes sense once you have enough staff to spread it across.

Built-in versus dedicated payroll

If your accounting already lives in Xero or MYOB, their payroll may be all you need: Xero includes it, MYOB adds it for a low per-employee fee, and both keep your pay runs and books in one place. A dedicated tool like Employment Hero is the better call when you want the strongest award interpretation, run payroll separately from accounting, or have award-covered staff where accuracy is critical.

Compliance is non-negotiable

Every contender here lodges Single Touch Payroll Phase 2 to the ATO and handles superannuation, including the move toward Payday Super. That baseline is covered across the board, so let award-interpretation quality, cost per employee and integration with your accounting decide it. If award compliance is your main concern, our dedicated guide to the best payroll software for award interpretation goes deeper on the engines behind it.

The verdict

For most small businesses, MYOB is the pick: its Payroll Only plan is the cheapest capable option at almost any small headcount, from $15 a month for 3 staff to $33 a month for 10. Choose Employment Hero if you need the strongest Modern Award interpretation, or want HR and onboarding bundled with payroll, and your team is large enough to absorb its $100 a month minimum. If your accounting is already in Xero, Xero Payroll is the seamless, no-extra-bill option. Use the calculator above to cost each at your employee count.

Hiring outside Australia?

These picks are built for Australian staff, and local payroll tools stop at the border. If you also need to hire or pay people overseas, platforms like Deel handle Employer of Record and contractor hiring across many countries. See our guide to the best payroll software for global teams for that case.

Frequently asked questions

What is the best payroll software for a small business in Australia?

MYOB is the best overall pick for most small businesses: its Payroll Only plan is cheapest at almost any small headcount, from $15 a month for 3 staff (inside the 4 employees it includes) to $33 a month for 10. Employment Hero is the better choice if you need the strongest Modern Award interpretation and your team is large enough to clear its $100 a month minimum, and Xero Payroll is best if you already use Xero.

What is the cheapest payroll software for small business?

MYOB is the cheapest standalone option for a small team: its Payroll Only plan is $15 a month and includes the first 4 employees, then adds roughly $3 an employee above that, working out to $15 a month for 3 staff and $33 a month for 10, well under Employment Hero's $100 a month minimum. Xero Payroll adds no extra bill if you already pay for Xero accounting. See the live pricing and calculator above.

Does payroll software handle Single Touch Payroll and awards?

Yes. The main contenders lodge Single Touch Payroll Phase 2 to the ATO and handle superannuation. Award interpretation varies: Employment Hero is strongest, automatically applying Modern Award rules across 100+ awards, which matters for hospitality, retail and care businesses.

Do I need separate payroll software or is it built into accounting?

It depends on your accounting choice. Xero includes payroll, and MYOB offers a low-cost Payroll Only plan from $15 a month, so existing users may not need separate software. A dedicated tool like Employment Hero is worth the extra cost once you need the strongest award interpretation or want to run payroll independently of your books.

How does MerchantCompare choose the best payroll software for small business?

We are independent and not owned by any provider. Our picks weigh price, features and Australian fit for small business, using live pricing from our database, last checked 16 July 2026. The comparison table lets you estimate each option at your own numbers. See How we compare for our full method.

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