About the Singapore Salary Calculator
This Singapore salary calculator shows how much of your pay you actually keep. Enter your monthly salary and bonus months, pick your CPF age group, and it works out employee and employer CPF contributions, your monthly take-home pay, chargeable income and the income tax you will owe for the year.
It is useful when negotiating an offer, comparing an AWS or performance bonus, or budgeting after a pay rise. Singapore does not withhold income tax from monthly pay for most residents, so the calculator shows both the monthly cash after CPF and the annual amount left once your IRAS tax bill is paid.
CPF uses the contribution rates and ceilings in force from 1 January 2026 (S$8,000 monthly Ordinary Wage ceiling and S$102,000 annual salary ceiling) for Singapore citizens and PRs from their third year; first- and second-year PRs on graduated rates pay less. Income earned in 2026 is assessed in YA2027, and tax uses the IRAS resident rates that apply from YA2024 onwards, with a single relief amount you can edit. One-off Personal Income Tax Rebates (for example 60% capped at S$200 for YA2025) are not included, and CPF is not rounded to the dollar as payroll does, so results can differ by a few dollars.
With the default inputs, the monthly take-home pay (after cpf) is S$4,800.00. Change any value above to recalculate instantly.
How to use the singapore salary calculator
- 1Enter your gross monthly salary.
- 2Add your expected bonus as months of salary (e.g. 1 for a 13th-month AWS).
- 3Choose your CPF age group, or "No CPF" if you are a foreign employee.
- 4Select tax residency and adjust reliefs if you claim more than earned income relief.
- 5Read your monthly take-home pay and the yearly income tax to set aside.
Formula and method
CPF on ordinary wages is the employee rate for your age group multiplied by monthly salary up to the S$8,000 Ordinary Wage ceiling. Bonuses are Additional Wages and only attract CPF up to the S$102,000 annual ceiling minus ordinary wages already subject to CPF. For wages between S$500 and S$750 a month the employee share is phased in; below S$500 only the employer contributes.
Resident chargeable income is gross income minus compulsory employee CPF (CPF relief) and your other personal reliefs. Tax is applied progressively, from 0% on the first S$20,000 up to 24% above S$1 million. Non-residents are taxed on employment income at the higher of 15% flat or resident rates, with no reliefs.
- rate
- Employee CPF rate for your age group
- Gross
- 12 × monthly salary + bonus
- Reliefs
- Earned income relief and other personal reliefs
Worked examples
S$6,000 a month with a 1-month bonus, age 30
Employee CPF is 20% of S$6,000 = S$1,200 a month, leaving S$4,800 in hand. Over the year, gross pay is S$78,000 and CPF S$15,600, so chargeable income after S$1,000 relief is S$61,400. Tax is S$200 + S$350 + 7% of S$21,400 = S$2,048.
S$10,000 a month with a 3-month bonus
CPF stops at the S$8,000 ceiling, so employee CPF is S$1,600 a month. Only S$6,000 of the S$30,000 bonus attracts CPF (S$102,000 − S$96,000), adding S$1,200. Chargeable income is S$150,000 − S$20,400 − S$1,000 = S$128,600: S$7,950 of tax on the first S$120,000 plus 15% of S$8,600, or S$9,240.
Foreign employee, non-resident, S$5,000 a month
Foreigners do not contribute to CPF, so the full S$5,000 is paid out. As a non-resident, employment income of S$60,000 is taxed at the higher of 15% (S$9,000) or resident rates (S$1,950), so the tax bill is S$9,000.
Frequently asked questions
How much CPF do I contribute in 2026?+
Employees aged 55 and below contribute 20% of monthly wages and employers add 17%, for a total of 37%. Contributions are only charged on wages up to the S$8,000 monthly Ordinary Wage ceiling and S$102,000 of total salary a year.
Is income tax deducted from my monthly salary in Singapore?+
Usually not. Most resident employees receive their salary minus CPF only, and IRAS issues a Notice of Assessment the following year. Many people pay by GIRO in up to 12 interest-free monthly instalments.
What is the CPF salary ceiling?+
From 1 January 2026 the Ordinary Wage ceiling is S$8,000 a month, and the annual salary ceiling for all wages, including bonuses, remains S$102,000. Pay above these amounts is not subject to CPF.
Do bonuses attract CPF?+
Yes. Bonuses and AWS are Additional Wages and attract CPF at the same rates, but only up to the Additional Wage ceiling: S$102,000 minus the total ordinary wages subject to CPF for the year.
How are non-residents taxed in Singapore?+
Non-resident employees pay tax on employment income at the higher of a flat 15% or the progressive resident rates, and cannot claim personal reliefs. Staying or working in Singapore for 183 days or more in a year usually makes you a tax resident.
What reliefs reduce my Singapore income tax?+
Compulsory CPF contributions are deducted automatically. Other common reliefs are earned income relief (S$1,000 below age 55), spouse, child and parent reliefs, SRS contributions and CPF cash top-ups. Total personal reliefs are capped at S$80,000 a year.
Tax results are estimates based on published rules and simplified assumptions. They are not tax advice — check official guidance or a tax professional for your situation.