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Bonus take-home calculator Singapore

How much of a bonus or 13th month (AWS) you keep after CPF and the extra income tax it adds, from CPF Board and IRAS rates for 2026.

Quick answer: on S$5,000 a month, a citizen under 55 with a two-month bonus of S$10,000 pays S$2,000 CPF on it and about S$560 more income tax, keeping about S$7,440. At S$10,000 a month, CPF is charged on only S$6,000 of a bonus, because of the S$102,000 yearly ceiling.

SingaporeCPF rates from 1 Jan 2026IRAS resident tax ratesNothing you enter leaves your browser

Your pay and bonus

Enter your gross monthly pay and the bonus, either in months of pay or as an amount. The 13th month (AWS) counts as a bonus.

Or enter an amount below; the amount is used if you fill it in.

How a bonus is taxed

A bonus pays CPF up to the yearly ceiling, and the income tax on it is the extra tax for the year it adds, at your top tax rate.

  • CPF: charged on bonuses (additional wages) up to S$102,000 minus your ordinary wages for the year, counting monthly pay up to S$8,000. Above that, no CPF is due.
  • Income tax: the tax for the year with the bonus, minus the tax without it. Tax is not taken from the bonus; it is in your bill the following year.
  • Reliefs: CPF relief on the bonus and earned income relief are included. Other reliefs lower the tax on your regular pay first.

How much of a bonus you keep

For a Singapore Citizen aged 30. "Kept" is the bonus after your CPF on it and the extra income tax it causes.

Monthly payBonusYour CPF on the bonusKeptShare kept
S$4,0001 month, S$4,000S$800S$3,06777%
S$5,0001 month, S$5,000S$1,000S$3,72074%
S$5,0002 months, S$10,000S$2,000S$7,44074%
S$8,0001 month, S$8,000S$1,200S$6,20778%
S$8,0003 months, S$24,000S$1,200S$20,36785%
S$12,0004 months, S$48,000S$1,200S$39,46282%

Foundific calculations with 2026 CPF rates and YA 2027 resident tax rates.

Why high earners keep a larger share

  • The Additional Wage ceiling: CPF on bonuses is charged only up to S$102,000 minus the Ordinary Wages that attracted CPF in the year.
  • At S$8,000 a month, Ordinary Wages use S$96,000 of that, so CPF is charged on only S$6,000 of any bonus: S$1,200 from you.
  • Above that, the rest of the bonus is taxed but not charged CPF, which is why the share kept rises with bonus size.

Source: CPF Board, Additional Wage ceiling.

Common questions

How much tax will I pay on my bonus in Singapore?

The extra tax is your bonus, after CPF, taxed at your top income tax rate. On S$5,000 a month with a S$10,000 bonus, it is about S$560 for a citizen under 55.

Is CPF deducted from my bonus?

Yes, at your usual CPF rate, until your pay for the year reaches S$102,000, counting monthly pay up to S$8,000. A citizen under 55 pays 20% of the bonus up to that ceiling.

Is the 13th month (AWS) taxed differently from a bonus?

No. Both are additional wages for CPF and both are income for tax. Add them together.

Why is there no CPF on part of my bonus?

Because of the S$102,000 annual salary ceiling. At S$10,000 a month, 12 months of pay count as S$96,000, so CPF is charged on only S$6,000 of the bonus.

Is a bonus taxed at a higher rate?

No. It is added to your year's income and taxed at the same progressive rates. A large bonus can move part of your income into a higher band.

When is the tax on my bonus paid?

In the following year, with the rest of your income tax. The bonus month itself only loses CPF.

Sources

CPF Board and IRAS
  1. CPF Board, CPF contribution rate table from 1 January 2026, and the S$102,000 annual salary ceiling.
  2. IRAS, individual income tax rates, Year of Assessment 2024 onwards.