Salary calculator Singapore

Gross monthly salarySGD

Children

Residency statusPRs pay lower CPF rates in their first two years. Foreigners pay no CPF.

AgeSets your CPF rates and the earned income relief, which rises from 55.

Take-home pay per month

$4,657

Income tax (monthly share)−$143
CPF contribution20 %−$1,200

Income tax is not deducted from your pay. IRAS bills it the year after, so we show 1/12 of the $1,712 due for YA 2027.

Taxed on chargeable income of $56,600 a year: 12 months of pay minus $15,400 of reliefs (earned income, CPF).

YA 2027 tax uses the rates and reliefs published today. A rebate, if Budget 2027 gives one, would lower it.

Total cost to the employer$7,020

For guidance only. Your payslip can differ if you claim other allowances.

How it is calculated

Your employer deducts only CPF from your monthly pay. Income tax is not withheld in Singapore. IRAS works it out after you file, based on what you earned in the previous year, so the tax on your 2026 pay is assessed in YA 2027. We show that yearly tax as a monthly amount so you can see what you really keep.

For citizens and PRs from the third year, CPF is 37 % of monthly wages up to age 55: 20 % from you and 17 % from your employer. The rates fall with age; from 2026, workers above 55 to 60 pay 18 % and those above 60 to 65 pay 12.5 %. CPF applies only to wages up to the Ordinary Wage ceiling: $8,000 a month in 2026, $7,400 in 2025 and $6,800 in 2024. PRs in their first two years pay lower graduated rates. Foreigners do not pay CPF.

For income tax, we take 12 months of salary and subtract your reliefs: your CPF contributions, the earned income relief of $1,000 (more from age 55) and $4,000 for each child you claim. Total reliefs are capped at $80,000. The rest is taxed at resident rates from 0 % to 24 %. The first $20,000 of chargeable income is tax free.

For YA 2025, residents received a 60 % tax rebate capped at $200, shown as its own line. Budget 2026 gave no personal income tax rebate for YA 2026. For YA 2027 we use the rates and reliefs published today; a rebate, if Budget 2027 gives one, would lower the tax.

Questions

How much is $5,000 a month after CPF and tax?

For a citizen aged 55 or below with no other reliefs, CPF is $1,000 a month. Tax on 2026 pay (YA 2027) is $1,040 for the year, or $86.67 a month, so you keep $3,913.33. It was the same for 2025 pay; for 2024 pay (YA 2025) the rebate lowered the tax to $840.

Why is income tax not taken from my salary?

Singapore does not have monthly withholding for tax residents. You file by 18 April, IRAS sends a Notice of Assessment, and you pay within one month or by monthly GIRO instalments.

Do foreigners pay more tax?

Foreigners who stay or work in Singapore for at least 183 days in a year are tax residents and pay the same rates. Non-residents pay 15 % on employment income or the resident rates, whichever is higher. This calculator assumes you are a tax resident.

What does the calculator leave out?

Bonuses and other additional wages, Self-Help Group contributions such as CDAC, SINDA, MBMF or ECF, the Skills Development Levy paid by employers, and reliefs other than earned income, CPF and qualifying child relief.

Sources

Now keep it on track Set the result as a budget in Spendee and see each month how much is left.

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