Take-home pay calculator Singapore

How it is calculated

CPF comes out of every payslip. Income tax does not: IRAS sends one bill the following year, which you can pay in up to 12 instalments by GIRO.

• Your CPF is a share of your monthly pay up to S$8,000, plus the same share of your bonus. Your employer pays its own share on top.
• CPF is charged on total wages up to S$102,000 a year. A bonus above what is left after 12 months of pay is free of CPF.
• Income tax is worked out on your yearly pay minus your CPF and the earned income relief, taxed at IRAS resident rates.
• The total CPF is rounded to the nearest dollar and your share is rounded down, as CPF Board's rules require.
• The optional reliefs are NSman, parent, spouse, qualifying child, SRS and CPF cash top-up relief, at IRAS amounts, all within the S$80,000 relief cap.
• Self-help group contributions (CDAC, MBMF, SINDA or ECF) use CPF Board's monthly rates. The bonus month uses the rate for that month's total pay.
• The calculator leaves out Working Mother's Child Relief, grandparent caregiver, life insurance and disability reliefs, and any tax rebate announced later. Course Fees Relief ended from YA 2026.

CPF rates in 2026

A worker aged 55 or below pays 20% of monthly pay into CPF, up to S$1,600 a month, and the employer adds 17%.

• Below S$750 a month, your share is phased in, and below S$500 only your employer contributes.
• In the first two years, new PRs and their employers pay lower graduated rates, unless both apply to pay full rates.
• Foreigners on work passes do not contribute to CPF.

Income tax rates

The first S$20,000 of chargeable income a year is tax-free. Rates then rise in steps from 2% to 24%.

• Tax residents are citizens, PRs and foreigners in Singapore for 183 days or more in the year.
• Non-residents pay the higher of 15% of their pay or the resident rates, with no reliefs.
• Earned income relief is S$1,000 below age 55, S$6,000 from 55 to 59, and S$8,000 from 60.

Take-home pay at common salaries

For a Singapore Citizen aged 30 with a one-month bonus and no reliefs other than CPF.

Foundific calculations with this calculator, 2026 CPF rates and YA 2027 resident tax rates. "After tax" spreads the year's pay, bonus, CPF and tax over 12 months.

• CPF stops rising at S$8,000. From 1 January 2026, CPF is charged only on the first S$8,000 of monthly pay, so above that your take-home grows by the full pay rise before tax.
• Tax starts low. On S$5,000 a month with a one-month bonus, tax is S$1,320 a year, about 2% of your pay.

How your age changes CPF

On S$5,000 a month, for a Singapore Citizen. The rates change from the month after your 55th, 60th, 65th and 70th birthday.

Foundific calculations with the 2026 CPF contribution rates.

Citizen, PR or foreigner

On S$5,000 a month with a one-month bonus, aged 30.

Foundific calculations. Graduated rates assume the employee and employer both use them. Non-residents pay 15% on employment income, or resident rates if higher.

• Foreigners and new PRs pay less CPF, so less of their pay is relieved from tax and they pay more tax.
• You are usually a tax resident if you stay or work in Singapore for 183 days or more in the year.

Ways to pay less tax

• Contributions to the Supplementary Retirement Scheme (SRS) are relieved up to S$15,300 a year for Citizens and PRs, and S$35,700 for foreigners.
• CPF cash top-ups are relieved up to S$8,000 a year for your own account, and another S$8,000 for family members.
• Enter parent, spouse and NSman reliefs under "More reliefs" in the calculator to see the tax saved.
• Total personal reliefs are capped at S$80,000 a year.
• Your marginal rate tells you what each extra relief dollar saves. The calculator shows it with your result.

Source: IRAS, reliefs for YA 2027.

Common questions

Sources