Salary Calculator Singapore 2026
See your monthly take-home after CPF and your annual IRAS tax bill, with the 2026 CPF rates and the S$8,000 Ordinary Wage ceiling, for citizens/PRs, EP holders and non-residents.
| Item | Annual | Monthly |
|---|---|---|
| Gross pay | $72,000 | $6,000 |
| CPF (employee 20%) | $14,400 | $1,200 |
| Income tax (YA 2027, assessed) | $1,712 | $143 |
| Total deductions | $16,112 | $1,343 |
| Take-home pay | $55,888 | $4,657 |
- CPF from 1 Jan 2026: OW ceiling S$8,000/month; AW ceiling S$102,000 minus CPF-subject OW. Full citizen/PR rates (PR year-1/2 graduated rates not modelled).
- Reliefs applied: Earned Income Relief (S$1,000) and CPF relief for employee contributions. Family/NSman/other reliefs would lower this further.
- Residents pay income tax by annual assessment (often via 12 GIRO instalments), not payroll withholding.
How Singapore pay works
Two separate deductions shape Singapore take-home. CPF comes out of every paycheck for citizens and PRs: 20% employee share under 55, on wages up to S$8,000 a month, with your employer adding 17% on top. Income tax is not withheld from monthly pay for most residents: IRAS assesses it the following year (many pay by 12 GIRO instalments), at progressive rates from 0% on the first S$20,000 to 24% above S$1 million. EP and S Pass holders skip CPF entirely; staying 61-182 days makes you a non-resident taxed at the higher of 15% flat or resident rates. Full sources on the Singapore methodology page.
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Frequently asked questions
How is income tax calculated in Singapore?
Singapore personal income tax rates in 2026 range from 0 percent on the first SGD 20,000 to 24 percent above SGD 1 million. Most residents pay an effective rate well below the top marginal rate.
What is CPF and how does it affect my take-home pay?
The Central Provident Fund (CPF) is Singapore mandatory savings scheme. Employees under 55 contribute 20 percent of wages (capped at SGD 6,800 per month) and employers add 17 percent. Employee CPF directly reduces take-home pay.
Is there a personal tax rebate in Singapore?
Yes. Singapore offers various tax reliefs, including earned income relief (up to SGD 8,000), CPF relief, and others. These are not included in the calculator by default, which shows the base case before reliefs.