Selected resident income-tax bands
| Chargeable income slice | Rate |
|---|---|
| First S$20,000 | 0% |
| Next S$10,000 | 2% |
| Next S$10,000 | 3.5% |
| S$40,001 to S$80,000 | 7% |
| S$80,001 to S$120,000 | 11.5% |
| S$120,001 to S$160,000 | 15% |
| Over S$320,000 | 22% to 24% |
Salary calculator
Singapore salary calculator 2026: take-home after CPF and tax
Calculate Singapore take-home pay for 2026. Enter salary and bonus, then choose foreigner or full-rate citizen/PR and an age band to see resident income tax, employee CPF and monthly cash net.
Comparing offers in more than one country? Switch country.
2026 tax and CPF guide
How Singapore take-home pay is calculated
Singapore resident income tax is progressive from 0% to 24%. Citizens and permanent residents also contribute to CPF, while foreigners generally do not. CPF depends on age, wage ceilings and permanent-resident contribution status.
Updated 22 June 2026. Examples use resident income-tax rates, a citizen or permanent resident at full CPF rates, age 55 or below, no bonus and only the basic earned-income relief.
Employee CPF rates from 1 January 2026
| Age | Full employee rate |
|---|---|
| 55 or below | 20.0% |
| Above 55 to 60 | 18.0% |
| Above 60 to 65 | 12.5% |
| Above 65 to 70 | 7.5% |
| Above 70 | 5.0% |
Full rates shown apply above S$750 monthly. Ordinary Wages are capped at S$8,000 per month and total CPF salary at S$102,000 per year.
Popular salaries
Singapore take-home examples for 2026
CPF is savings owned by the member, but it reduces cash take-home. Foreign employees can compare by selecting no CPF.
| Gross salary | Income tax | Employee CPF | Annual cash net | Monthly cash net |
|---|---|---|---|---|
| S$48,000 | S$459 | S$9,600 | S$37,941 | S$3,162 |
| S$72,000 | S$1,712 | S$14,400 | S$55,888 | S$4,657 |
| S$96,000 | S$3,056 | S$19,200 | S$73,744 | S$6,145 |
| S$120,000 | S$5,627 | S$19,200 | S$95,173 | S$7,931 |
| S$180,000 | S$13,920 | S$19,200 | S$146,880 | S$12,240 |
Worked example
S$72,000 salary for an employee aged 55 or below
A citizen or full-rate permanent resident earns S$6,000 per month and contributes S$14,400 employee CPF over the year. After CPF relief and basic earned-income relief, estimated resident income tax is S$1,712.
Cash take-home is approximately S$55,888 per year or S$4,657 per month. The CPF amount is not tax: it is allocated to the member’s CPF accounts under the applicable allocation rules.
Deductions explained
What changes Singapore net salary?
Tax residence is separate from immigration status
A foreign employee can be a Singapore tax resident based on days and employment circumstances. The no-CPF option assumes resident tax rates; non-resident employment tax can differ.
Permanent residents may use graduated rates
First- and second-year permanent residents commonly have graduated CPF rates unless full rates are jointly elected and approved. The calculator’s CPF option represents citizens and PRs at full rates.
Bonuses use the Additional Wage ceiling
CPF on bonuses and other Additional Wages is limited by the annual salary ceiling after CPF-applicable Ordinary Wages. The calculator estimates this ceiling from the monthly salary entered.
Personal reliefs reduce income tax
CPF relief, earned-income relief and other qualifying reliefs reduce chargeable income. Family, course-fee, parent and retirement reliefs are not inferred automatically.
Methodology
How accurate is this Singapore salary calculator?
The calculator applies resident individual rates, age-based 2026 full CPF employee rates, the S$8,000 Ordinary Wage ceiling, S$102,000 annual salary ceiling and a basic S$1,000 earned-income relief.
It does not model graduated PR rates, every low-wage CPF rounding case, non-resident tax, employer CPF, levies or personal reliefs not entered.
Questions
How is take-home pay calculated in Singapore?
Resident income tax is progressive from 0% to 24%. Citizens and permanent residents at full CPF rates contribute according to age. For employees aged 55 or below, the employee rate is 20%, with the 2026 Ordinary Wage ceiling of S$8,000 per month and annual salary ceiling of S$102,000.
Do foreigners pay CPF?
No. CPF is only for Singapore citizens and permanent residents. A foreigner on an Employment Pass keeps more of their gross because no CPF is deducted, though CPF is your own retirement savings rather than a tax. Choose your status above.
How accurate is it?
It uses resident tax rates, 2026 age-based full CPF rates and the Ordinary and Additional Wage ceilings. It excludes first- and second-year graduated PR rates, non-resident tax, most personal reliefs and rebates.