Singapore calculators
Singapore
All Singapore calculators
Take-home pay after CPF and income tax, with your employer’s CPF contribution shown — using current CPF Board and IRAS rates.
About these calculators
Singapore pay works differently from most countries: there is no tax withheld from your salary at all. What comes out each month is your CPF contribution (20% for most workers under 55, on wages up to the Ordinary Wage ceiling), and income tax is billed separately by IRAS the following year — at some of the lowest resident rates in the world. Meanwhile your employer pays a further 17% into your CPF on top of your salary. The take-home calculator shows all of it: monthly cash in hand, annual income tax, and the total going into your CPF Ordinary, Special and MediSave accounts — with the age-banded rates and the wage ceilings applied correctly.
Singapore calculators — common questions
How much CPF is deducted from salary? 20% of your monthly wage for employees aged 55 and below (employer adds 17%), on wages up to the Ordinary Wage ceiling of S$8,000 a month from 2026. Rates step down in older age bands.
Is income tax deducted from my pay in Singapore? No. IRAS assesses your tax after the year ends and sends a bill, which you can pay in one go or by 12-month GIRO instalments. Budget for it separately.
Do foreigners pay CPF? No — CPF applies to Singapore Citizens and Permanent Residents. Employment Pass and S Pass holders have no CPF deduction, which is why their cash take-home is higher on the same salary.
What is the AWS or 13th-month bonus? A customary extra month's pay, usually in December. It counts as Additional Wages for CPF (subject to the annual ceiling) and as income for tax, and the calculator lets you include it.