Take-Home Salary Calculator (Singapore)

SALARY CPF TAX SINGAPORE ASEAN

简繁 BM EN

About this tool

Gross to net after employee CPF and estimated income tax

Calculate Singapore take-home pay: gross to net after employee CPF (2026 rates, $8,000 ceiling) and estimated income tax with reliefs. Free, in-browser.

RT-FIN-269 · Finance & Money · Reviewed Jun 2026

Work out your Singapore take-home pay: gross to net after employee CPF (2026 rates, $8,000 ceiling) and estimated resident income tax with the automatic reliefs. Everything runs in your browser.

Gross monthly salary

Annual bonus (optional)

Age

Year of Assessment

📅 Research current as of 11 Jun 2026 · Sources: CPF Board 1 Jan 2026 tables + IRAS resident brackets (YA2024 onwards) with Earned Income Relief + automatic employee-CPF relief; YA2025 rebate 60% capped $200. Reviewed every January + Budget.

Rates, regulations, and lender practices change frequently — verify current figures with your provider or licensed advisor before acting.

Take-home / month

—

Net / year (incl. bonus)

—

Employee CPF / month

—

Income tax / month (avg)

—

Annual breakdown

Gross / year

—

Employee CPF / year

—

Reliefs (EIR + CPF)

—

Chargeable income

—

Income tax / year

—

Effective tax rate

—

⚠ Estimates only — not financial or tax advice. CPF rates as at 2026-01-01; tax per IRAS resident brackets with automatic reliefs only. IRAS's assessment prevails.

From gross to take-home in Singapore

Enter your gross monthly salary

Type your gross monthly wage before tax and CPF. The calculator applies the 2026 CPF rates ($8,000 monthly ceiling) to work out your employee contribution.

Add your annual bonus (optional)

Bonuses are Additional Wages: they attract CPF (subject to the AW ceiling) and count toward your taxable income.

Pick your age and Year of Assessment

Age sets your CPF rate and Earned Income Relief; the Year of Assessment decides whether a rebate applies (YA2025 has a 60% rebate capped at $200).

Read your take-home pay

Results show your monthly and annual net income after employee CPF and estimated income tax, plus chargeable income and your effective tax rate.

From gross to take-home in Singapore

Unlike most countries, Singapore deducts no income tax from your monthly payslip — only your employee CPF contribution comes off each month. Income tax is assessed by IRAS the following year on your full-year income. To make months comparable, this calculator estimates that tax and averages it monthly.

The CPF deduction follows the 1 January 2026 tables: 20% of wages for those 55 and below, computed up to the $8,000 monthly ceiling, with lower rates by age band. Bonuses attract CPF too, up to the Additional Wage ceiling of $102,000 minus your annual ordinary wages.

The tax estimate applies the resident progressive brackets (first $20,000 tax-free, top rate 24%) to your chargeable income: annual gross minus Earned Income Relief and your employee CPF contributions — both automatic. YA2025 additionally enjoys a 60% rebate capped at $200.

The estimate is deliberately conservative: real taxpayers usually claim more reliefs (parent/handicapped relief, insurance, course fees, donations, NSman relief), all capped at $80,000 in total, so your actual bill is often lower than shown.

Scope: Singapore Citizens and 3rd-year-onwards PRs under standard private-sector employment. First/second-year PRs (graduated CPF), non-residents (different tax regime), and the self-employed (MediSave-only obligations) are outside this model.

10 Facts About Singapore Take-Home Pay

Singapore has no monthly income-tax withholding — only CPF is deducted from your payslip; income tax is assessed and paid the following year.

Employees 55 and below contribute 20% of monthly wages to CPF (computed up to the $8,000 ceiling — at most $1,600 a month).

Your employee CPF contributions are automatically deducted from assessable income.

Resident income tax is progressive: the first $20,000 is tax-free and the top rate is 24% (on income above $1 million).

Earned Income Relief is automatic: $1,000 below 55, $6,000 for 55–59, and $8,000 for 60 and above.

YA2025 carries a 60% personal income tax rebate capped at $200; no rebate is announced for YA2026 yet.

On a $5,000 salary at age 30, take-home is about $3,913 — after $1,000 CPF and roughly $87 a month in averaged income tax.

Bonuses attract both CPF (up to the AW ceiling: $102,000 minus annual ordinary wages) and income tax.

Total personal reliefs are capped at $80,000 per Year of Assessment.

This calculator includes only the two automatic reliefs (Earned Income + employee CPF); reliefs like parent support or course fees can lower your tax further.

Frequently Asked Questions

Take-home = gross monthly salary − employee CPF − averaged monthly income tax. Tax is estimated on full-year income (including bonus) after reliefs, using the progressive resident brackets, then averaged per month.
Singapore has no monthly tax withholding. Employers deduct only CPF; IRAS assesses your income tax the following year, payable as a lump sum or 12 instalments. This calculator averages the estimated tax monthly for comparison.
Two automatic ones: Earned Income Relief ($1,000–$8,000 by age) and your employee CPF contributions. Other reliefs (parents, insurance, course fees, donations) are not included — your actual tax may be lower.
At 2026 rates: employees 55 and below contribute 20%, with an $8,000 monthly ceiling; bonuses are capped by the AW ceiling ($102,000 minus annual ordinary wages). Older bands contribute less.
The brackets are identical. YA2025 carries a 60% personal tax rebate capped at $200; no rebate is announced for YA2026, so the calculator assumes none.
The CPF portion applies to citizens and 3rd-year-onwards PRs; first/second-year PRs contribute at lower graduated rates. Foreigners pay no CPF and tax residency differs — this calculator is not for non-residents.
It counts toward annual taxable income and attracts CPF up to the AW ceiling. The annual net figure already reflects your bonus.
Estimated tax divided by total annual income. With progressive brackets and reliefs, most employees' effective rate is far below their marginal bracket.
That is expected. This is an estimate: it omits your full set of reliefs, non-salary income, and special arrangements. IRAS's formal assessment prevails.
No. All calculations run in your browser — your salary figures are never transmitted or stored.

Important — please read.

Estimates only — not financial, tax, or legal advice, and not a substitute for the CPF Board's computation or IRAS's assessment. Only the two automatic reliefs are modelled; your full relief set, non-salary income, and special schemes are not.

No affiliation. RECATOOLS is not affiliated with, endorsed by, or representing the CPF Board, IRAS, or any government agency. Names are used for identification only.

Rates as at 2026-01-01. CPF rates change each January; tax rates and rebates are set at the Budget per Year of Assessment. Verify at cpf.gov.sg and iras.gov.sg before acting.

Scope limits: Singapore Citizens / 3rd-year+ PRs, resident tax status, private-sector employment. Not for non-residents, first/second-year PRs, or the self-employed.

No warranty; limitation of liability. Provided "as is" without warranty of any kind. To the maximum extent permitted by law, RECATOOLS accepts no liability for any loss arising from use of, or reliance on, this calculator.

Privacy. All calculations run locally in your browser; no salary or personal data is transmitted or stored.