Singapore Salary Calculator 2026

Estimate annual and monthly take-home pay after employee CPF and Singapore income tax. Updated for rules effective 1 January 2026.

Enter Your Information

Annual Gross Salary (SGD)

Tax Residency

Employee Age / CPF Rate

Assumes salary is paid evenly over 12 months with no annual bonus, benefits-in-kind or tax reliefs other than estimated mandatory employee CPF. First- and second-year PR graduated CPF rates are not modelled.

Singapore Take-Home Estimate

Gross Salary

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Income Tax

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Employee CPF

Annual Take-Home

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Monthly Take-Home

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Total Deduction Rate

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How the 2026 Singapore Salary Estimate Works

Enter annual gross salary, tax residency and the applicable employee CPF age band. The calculator estimates CPF-applicable Ordinary Wages, employee CPF, individual income tax and take-home pay in Singapore dollars.

For an annual salary of S$72,000 paid evenly over 12 months, monthly gross salary is S$6,000. For a CPF-applicable employee aged 55 or below, the calculator estimates employee CPF at 20% of CPF-applicable wages before estimating resident income tax and take-home pay.

CPF Assumptions Used

From 1 January 2026, the Ordinary Wage ceiling is S$8,000 per month and the CPF annual salary ceiling remains S$102,000. Because this version accepts regular annual salary and assumes no bonus, CPF-applicable wages are capped at S$96,000 per year. The employee rates used are 20%, 18%, 12.5%, 7.5% and 5% across the official 2026 age bands.

Income Tax Assumptions

Resident tax is estimated using IRAS rates from YA 2024 onwards, including the 23% band above S$500,000 and 24% band above S$1,000,000. Employee CPF is treated as an estimated relief. Earned income relief, spouse or child reliefs, donations, SRS, rebates, benefits-in-kind and other income are not included.

For a non-resident employee, employment income is estimated at the higher of 15% of gross income or the resident progressive-rate calculation. Tax residency depends on facts such as days worked or stayed in Singapore; selecting a status here does not determine legal residency.

Official Sources and Last Review

Last reviewed: 18 July 2026. This is a planning estimate, not a payroll filing or tax assessment.

Frequently Asked Questions

What employee CPF rates does the calculator use for 2026?

For monthly wages above S$750, it uses 20% for age 55 and below, 18% above 55 to 60, 12.5% above 60 to 65, 7.5% above 65 to 70, and 5% above 70. Graduated lower-wage and first- or second-year PR rates are outside this calculator's scope.

Does the calculator include the S$8,000 CPF salary ceiling?

Yes. Regular monthly wages are capped at S$8,000 for CPF, equivalent to S$96,000 across 12 equal salary payments. Bonuses and other Additional Wages are not included in this version.

How accurate is the income tax estimate?

It uses current IRAS progressive rates but cannot model every relief, rebate, benefit, donation or other source of income. Use the IRAS calculator or a qualified Singapore tax professional for a filing decision.

Does my data get saved or shared?

No. All calculations run entirely in your browser using JavaScript. We never collect, store, or transmit any personal or financial data you enter.

Does CPF apply to every employee working in Singapore?

No. CPF generally applies to Singapore citizens and permanent residents, with graduated rates possible for newer PRs. Foreign employees who are not permanent residents generally do not contribute CPF; select the 0% option for that estimate.