Singapore Take-Home Pay Calculator
See your salary after CPF and tax. This Singapore calculator combines your monthly CPF deduction and your annual income tax into one take-home figure for 2026, using the new $8,000 Ordinary Wage ceiling and the YA2026 resident rates. Take-home pay is your gross salary minus employee CPF minus income tax.
How the calculator works
Exactly what the calculator does with your salary, and every assumption it makes along the way.
How we work out your take-home pay
Rates and thresholds come from the Inland Revenue Authority of Singapore and the CPF Board, last checked on . Anything outside the calculation is listed with your result as a stated exclusion.
Step by step
- We start with your annual gross salary.
- The CPF employee contribution is deducted. For citizens and permanent residents aged 55 and below that is 20% of Ordinary Wages, on the first $8,000 a month (the ceiling from 1 January 2026). The rate steps down from age 55. Foreigners on work passes contribute nothing.
- Chargeable income is worked out: gross salary, minus your CPF contribution (CPF relief), minus Earned Income Relief ($1,000 below age 55, more from 55).
- Income tax is charged on the YA2026 resident scale: nil on the first $20,000, then 2% to $30,000, 3.5% to $40,000, 7% to $80,000, rising to 24% above $1,000,000. There is no tax rebate for YA2026.
- Your CPF contribution and the income tax come off your gross salary. What is left is your take-home pay, shown per year and per month.
- Your employer’s CPF contribution (17% for the under-55 group) is paid on top and is not part of take-home pay.
Assumptions we make
- You are a tax resident with one job, paid an even Ordinary Wage each month, with no bonus or Additional Wage;
- You are a citizen or permanent resident for CPF unless you choose “Foreigner”;
- Only Earned Income Relief and CPF relief are applied; other reliefs are left out;
- The CPF contribution is the mandatory rate only, with no voluntary top-ups;
- Your employer’s CPF is paid on top of your salary and is not deducted;
- Income tax is spread evenly across the year, though in practice it is assessed and paid after filing.
When this is the wrong tool
The calculator assumes a resident on a steady monthly salary. If you receive a bonus or other Additional Wage, are a non-resident (taxed at 15% on employment income or the resident rates, whichever is higher), or claim reliefs such as spouse, child, parent, NSman, course fees or SRS, your figure will differ. Personal reliefs are capped at S$80,000 per Year of Assessment.
| Gross salary | $72,000 ($6,000/mo) |
|---|---|
| CPF employee contribution (20%) | −$14,400 (−$1,200/mo) |
| Income tax (YA2026) | −$1,712 (−$143/mo) |
| Take-home pay | $55,888 ($4,657/mo) |
| Effective tax rate | 2.4% |
| Employer CPF (17%, on top) | $12,240 ($1,020/mo) |
What each field means
Each field below carries a definition and the effect it has on the calculated figure.
Gross (pre-tax) income
Your gross salary before CPF and income tax. Enter your Ordinary Wage, not including any bonus.
Every figure in the result is derived from this. Enter it yearly or monthly and we’ll convert it.
Residency status
Singapore citizen, permanent resident, or foreigner on a work pass.
CPF applies to citizens and permanent residents. Foreigners contribute nothing to CPF but still pay resident income tax if they are tax resident.
Age group
Your age band for CPF.
The CPF employee rate is 20% up to age 55, then steps down: 17% from 55, 11.5% from 60, 7.5% from 65 and 5% from 70. Earned Income Relief also rises with age.
Tax year
The Year of Assessment (YA2026).
Singapore assesses income tax by Year of Assessment. This tool applies the YA2026 resident rates to a full year of salary.
Exclude CPF? (advanced)
Turns off the CPF deduction so you can see income tax on its own.
Useful for comparing headline tax rates, or if you are a foreigner and want the same view.
CPF, income tax and your Singapore take-home pay
CPF: the monthly deduction
The Central Provident Fund is Singapore’s compulsory savings scheme. For a citizen or permanent resident aged 55 and below, 20% of your Ordinary Wage is deducted from each pay and your employer adds 17% on top, so 37% of your salary goes into your CPF accounts (Ordinary, Special and MediSave). Only the first $8,000 a month of Ordinary Wage attracts CPF from 1 January 2026, so the most an under-55 employee contributes is $1,600 a month. CPF is not a tax: it stays your money, for housing, healthcare and retirement.
Income tax: annual, by Year of Assessment
Singapore income tax is assessed once a year by Year of Assessment. YA2026 covers income earned in the 2026 basis period and is filed with IRAS. It is not withheld from your monthly pay the way PAYE is in other countries, so most residents set money aside or pay it after filing.
Tax is charged on your chargeable income: your income minus reliefs. Everyone with earned income gets Earned Income Relief, and your mandatory CPF contribution is deductible as CPF relief. The YA2026 resident rates are:
| Chargeable income | Rate on this band |
|---|---|
| First $20,000 | 0% |
| $20,001 to $30,000 | 2% |
| $30,001 to $40,000 | 3.5% |
| $40,001 to $80,000 | 7% |
| $80,001 to $120,000 | 11.5% |
| $120,001 to $160,000 | 15% |
| $160,001 to $200,000 | 18% |
| $200,001 to $240,000 | 19% |
| $240,001 to $280,000 | 19.5% |
| $280,001 to $320,000 | 20% |
| $320,001 to $500,000 | 22% |
| $500,001 to $1,000,000 | 23% |
| Above $1,000,000 | 24% |
There is no personal income tax rebate for YA2026. The 60% rebate, capped at $200, applied only to YA2024 and YA2025.
Tax reliefs and the S$80,000 cap
This calculator applies the two reliefs that everyone on a salary gets: Earned Income Relief (S$1,000 below age 55, S$6,000 from 55, S$8,000 from 60) and CPF relief (equal to your mandatory CPF contribution). Other reliefs depend on your circumstances and are not applied here: spouse, child (including the Working Mother’s Child Relief, now a fixed S$8,000 / S$10,000 / S$12,000 per child from YA2026), parent, NSman, course fees, SRS contributions and CPF cash top-ups. All personal reliefs together are capped at S$80,000 per Year of Assessment, so reliefs beyond that point save no further tax.
The 2026 change: the $8,000 Ordinary Wage ceiling
1 January 2026 was the final step of a phased increase in the CPF Ordinary Wage ceiling, from $7,400 a month in 2025 to $8,000 a month. If you earn $8,000 a month or more, CPF now applies to the full $8,000 rather than $7,400, so your employee contribution rises by $120 a month (20% of the extra $600). That is $120 a month less in the hand, but $120 a month more going into your CPF accounts, plus an extra $102 a month from your employer.
Take-home pay by salary
Monthly take-home for a citizen or permanent resident aged 55 or below in 2026, after CPF and income tax, with only Earned Income Relief and CPF relief. Enter your own figure above for an exact result.
| Gross salary / month | CPF / month | After CPF / month | Income tax / month | Take-home / month |
|---|---|---|---|---|
| $3,000 | $600 | $2,400 | $13 | $2,387 |
| $4,000 | $800 | $3,200 | $38 | $3,162 |
| $5,000 | $1,000 | $4,000 | $87 | $3,913 |
| $6,000 | $1,200 | $4,800 | $143 | $4,657 |
| $7,000 | $1,400 | $5,600 | $199 | $5,401 |
| $8,000 | $1,600 | $6,400 | $255 | $6,145 |
| $10,000 | $1,600 | $8,400 | $469 | $7,931 |
| $12,000 | $1,600 | $10,400 | $710 | $9,690 |
| $15,000 | $1,600 | $13,400 | $1,160 | $12,240 |
| $20,000 | $1,600 | $18,400 | $2,076 | $16,324 |
CPF stops rising above $8,000 a month because of the Ordinary Wage ceiling. Figures exclude any bonus.
Singapore take-home pay calculator FAQs
How do I calculate my take-home pay in Singapore?
Take-home pay is your gross salary minus your CPF employee contribution minus income tax. For an under-55 citizen or PR, CPF is 20% of your Ordinary Wage up to $8,000 a month. Income tax is then charged on the YA2026 scale on your income after CPF relief and Earned Income Relief. This calculator does both once you enter your salary.
Is CPF a tax?
No. CPF contributions go into your own Ordinary, Special and MediSave accounts for housing, healthcare and retirement, and stay your money. They reduce your take-home pay, and they also reduce your chargeable income as CPF relief, but they are savings, not tax.
How much is a $6,000 salary after CPF and tax?
About $4,657 a month, or $55,888 a year, for an under-55 citizen or PR with no other reliefs. That is after $1,200 a month of CPF and roughly $143 a month of income tax, an effective tax rate of about 2.4%. Your employer also pays $1,020 a month into your CPF on top.
What changed with the $8,000 Ordinary Wage ceiling in 2026?
From 1 January 2026 CPF applies to the first $8,000 of monthly Ordinary Wage, up from $7,400. If you earn $8,000 a month or more, your CPF contribution rises by $120 a month, so your take-home drops by $120 but your CPF savings grow by the same amount, with an extra $102 a month from your employer. Below $7,400 a month nothing changes.
What is YA2026, and is there a tax rebate?
YA2026 is the Year of Assessment for the 2026 income year. Singapore assesses tax annually, and residents use the 0% to 24% progressive scale. There is no personal income tax rebate for YA2026: the 60% rebate capped at $200 applied only to YA2024 and YA2025.
Do foreigners in Singapore pay CPF?
No. Foreign employees on work passes do not contribute to CPF, and neither do their employers. CPF applies to Singapore citizens and permanent residents only. Foreigners who are tax resident still pay income tax on the resident scale, so set residency to “Foreigner” to see take-home without CPF.