Singapore income tax and CPF calculator 2026
Work out your take-home pay in Singapore after CPF contributions and resident income tax. Income earned in 2026 is taxed in Year of Assessment 2027.
Income tax rates in Singapore
| Annual chargeable income (SGD) | Rate |
|---|---|
| Up to 20,000 | 0% |
| 20,000 – 30,000 | 2% |
| 30,000 – 40,000 | 3.5% |
| 40,000 – 80,000 | 7% |
| 80,000 – 120,000 | 11.5% |
| 120,000 – 160,000 | 15% |
| 160,000 – 200,000 | 18% |
| 200,000 – 240,000 | 19% |
| 240,000 – 280,000 | 19.5% |
| 280,000 – 320,000 | 20% |
| 320,000 – 500,000 | 22% |
| 500,000 – 1,000,000 | 23% |
| Above 1,000,000 | 24% |
In force from income earned in 2026 (YA 2027). Each rate applies only to the part of income inside its band.
Deductions and reliefs
| Item | How it works |
|---|---|
| CPF (employee) | 20% of wages up to age 55, falling to 5% above 70, on wages up to S$8,000 a month (from 1 January 2026). Citizens and permanent residents only. |
| CPF relief | Your compulsory CPF contributions are deducted before tax. |
| Earned income relief | S$1,000 below 55, S$6,000 from 55 to 59 and S$8,000 from 60. |
Good to know
- Singapore does not deduct income tax from your monthly pay. IRAS sends a bill the following year, so set the monthly amount aside.
- The calculator assumes all your pay is ordinary monthly wages. Bonuses have a separate CPF ceiling.
- No personal income tax rebate has been announced for YA 2027. Other reliefs (spouse, child, course fees) are not included.
Common questions
How much income tax do residents pay in Singapore?
The first S$20,000 of chargeable income is tax-free. Rates then rise from 2% to 24% on income above S$1 million. On S$40,000 of chargeable income the tax is S$550.
How much CPF do employees pay in 2026?
Employees aged 55 and below pay 20% of wages, and employers add 17%. Contributions apply to monthly wages up to S$8,000 from 1 January 2026.
Is income tax deducted from my salary in Singapore?
No. Singapore has no PAYE system for residents. You file a return (or IRAS pre-fills it) and pay the following year, often by GIRO instalments.
Sources
- IRAS: Individual income tax rates
- 3E Accounting: Singapore tax on salary 2026
- Endowus: CPF contribution rates 2026
This calculator gives an estimate for a resident employee with one job. Your payslip can differ because of allowances, benefits, other reliefs or how your employer runs payroll. It is not tax advice.