Singapore Take-Home Pay Calculator
Singapore
Salary after CPF and income tax
See your monthly cash in hand after CPF, your annual income tax bill, and how much goes into your CPF accounts from you and your employer. 2026 CPF rates, wage ceilings and resident tax brackets.
Singapore take-home pay calculator
Your pay
2026 CPF rates: employee 20.0% / employer 17.0% on wages up to $8,000/month. Resident income tax brackets (YA2027).
Monthly cash in hand
$4,800.00
Salary minus your CPF contribution (income tax is billed separately by IRAS)
Annual take-home (after tax)
$60,352
Incl. bonus, after CPF and income tax
Monthly after tax (spread)
$4,629.33
Your CPF (annual)
$15,600
Goes to your OA/SA/MA accounts
Employer CPF (annual)
$13,260
Paid on top of salary
Breakdown
Gross annual (incl. bonus)
$78,000
Employee CPF
$15,600
Chargeable income
$61,400
Income tax (2.6% effective)
$2,048
Assumptions
Uses 2026 CPF contribution rates by age with the Ordinary Wage ceiling of $8,000/month and the S$102,000 annual wage ceiling, and resident progressive income tax with only the earned income relief applied. Excludes other reliefs (NSman, parent, CPF cash top-ups, donations), the personal income tax rebate in some years, and non-resident flat rates. Foreigners on work passes do not pay CPF — untick the CPF box. Check your payslip, cpf.gov.sg and IRAS for exact figures.
How Singapore pay works
Two things make a Singapore payslip unusual. First, CPF is the only deduction: 20% of your Ordinary Wages if you are 55 or under (18%, 12.5%, 7.5% and 5% in the older age bands), charged only up to the monthly wage ceiling. Your employer pays a further 17% (or the age-banded equivalent) on top of your salary — money that is yours, in your Ordinary, Special and MediSave accounts, but never passes through your bank. Second, income tax is not withheld. IRAS assesses you after the year ends, and the bill — at progressive resident rates from 0% to 24%, after deducting your CPF contributions and reliefs — is paid separately, usually by GIRO over 12 months. The calculator shows the monthly cash figure and the annual after-tax figure side by side so neither surprises you.
Worked example: S$6,000 a month plus a 13th month
Citizen, under 55. Monthly CPF: 20% of S$6,000 = S$1,200, leaving S$4,800 cash. Employer adds S$1,020. Over the year with the bonus: gross S$78,000, employee CPF S$15,600, earned income relief S$1,000, chargeable income about S$61,400. Tax: 0% on the first S$20,000, 2% on the next S$10,000 (S$200), 3.5% on the next S$10,000 (S$350), 7% on the remaining S$21,400 (S$1,498) ≈ S$2,050 — an effective rate of 2.6% on gross pay. Total CPF into your accounts from both sides: about S$28,900.
Foreigners and work-pass holders
Employment Pass, S Pass and Work Permit holders do not contribute to CPF, so their monthly cash equals their gross salary — untick the CPF box to model this. Tax residency (183+ days in Singapore) determines whether the progressive resident rates apply; non-residents pay a flat 15% or the resident rate, whichever is higher, which the calculator does not model.
Limitations & disclaimer
An estimate using 2026 CPF rates and ceilings and resident income tax with only the earned income relief. It excludes other reliefs (parent, NSman, spouse, CPF top-ups, SRS, donations), any one-off personal income tax rebate, the additional MediSave contribution rules for the self-employed, and PR graduated rates in the first two years. Confirm with your payslip, the CPF Board and IRAS. Not financial advice.
FAQs
How is take-home pay calculated in Singapore?
Monthly salary minus your employee CPF contribution (20% for most people under 55, on wages up to the Ordinary Wage ceiling). Income tax is not withheld — IRAS bills it after the year ends — so the calculator shows both your monthly cash and your annual position after tax.
What is the take-home on a S$6,000 salary?
For a citizen or PR under 55: S$6,000 minus 20% CPF = S$4,800 cash each month. Employer CPF adds S$1,020 a month to your CPF. Annual income tax on about S$72,000 (with a 13th-month bonus) is roughly S$2,100, payable separately.
What is the CPF wage ceiling?
CPF is only charged on Ordinary Wages up to S$8,000 a month from 1 January 2026 (S$7,400 in 2025), and on total wages up to S$102,000 a year. Salary above the ceiling has no CPF deducted, so high earners keep a larger share of each extra dollar.
Are CPF contributions tax-deductible?
Yes — your compulsory employee CPF contributions are deducted from your income before tax is calculated, which is one reason effective income tax rates in Singapore are so low.
Why do CPF rates change with age?
Contribution rates step down at 55, 60, 65 and 70 to keep older workers affordable to employ while still building retirement savings. The calculator applies the rate for your age band.