Singapore Take-Home Pay Calculator (CPF 2026)
In Singapore your monthly take-home pay is salary minus your CPF share: 20% up to age 55 on wages up to the 2026 ceiling of $8,000 a month. Foreigners pay no CPF. Income tax is not taken from pay; IRAS bills it the next year at 0% to 24%, after earned income and CPF relief.
| Yearly | Monthly |
|---|
· Calculated with AiStaffo
Tax and deduction rules (2026 (YA2027))
| CPF employee share (citizens, PR 3rd year+) | 20% to age 55; 18% above 55 to 60; 12.5% above 60 to 65; 7.5% above 65 to 70; 5% above 70. Employer adds 17%, 16%, 12.5%, 9%, 7.5%. |
|---|---|
| CPF wage ceilings 2026 | Ordinary wage ceiling $8,000 a month; additional wage (bonus) ceiling $102,000 minus ordinary wages subject to CPF in the year. |
| CPF for low wages | No employee share up to $500 a month; graduated share between $500 and $750. |
| PR 1st and 2nd year | Graduated rates (G/G): 1st year employee 5%; 2nd year 15% to age 55. Full rates from the 3rd year. |
| Foreigners | No CPF. Tax residents (183+ days) pay resident rates; non-residents pay 15% or resident rates, whichever is higher. |
| Income tax (resident) | 0% on first $20,000; 2% to $30,000; 3.5% to $40,000; 7% to $80,000; 11.5% to $120,000; 15% to $160,000; 18% to $200,000; 19% to $240,000; 19.5% to $280,000; 20% to $320,000; 22% to $500,000; 23% to $1m; 24% above. |
| Reliefs used | Earned income relief $1,000 (below 55), $6,000 (55–59), $8,000 (60+); CPF relief equal to your compulsory CPF. |
| Tax year | Income earned in 2026 is taxed in Year of Assessment 2027. |
Worked example
Wei Ling, a Singapore citizen aged 30, earns $6,000 a month ($72,000 a year, no bonus). Her CPF share is 20% of $6,000 = $1,200 a month ($14,400 a year); her employer adds $1,020 (17%).
For YA2027 her chargeable income is $72,000 − $1,000 earned income relief − $14,400 CPF relief = $56,600. Tax is $550 + 7% of $16,600 = $1,712 for the year.
Take-home pay after CPF is $4,800 a month; after setting aside the tax it is $55,888 a year, about $4,657.33 a month.
CPF changes in 2026
From 1 January 2026 the CPF ordinary wage ceiling rose to $8,000 a month (from $7,400), the last step of the planned increases. Contribution rates for workers above 55 to 65 also went up: above 55 to 60 now pays 18% (employee) and 16% (employer). Further increases for senior workers are planned from 1 January 2027.
Why tax is not on your payslip
Singapore employers do not withhold income tax from residents. IRAS sends a Notice of Assessment the year after you earn the income, and you can pay it in up to 12 monthly instalments by GIRO. Set the money aside each month: this calculator shows it as a yearly and monthly amount.
For employers
Running payroll by hand (tax tables, contributions, payslips, filings) is routine work that AI workers now handle with almost no staff time. See what an employee really costs you, or book a free automation audit for your payroll.
Please note: figures follow the published 2026 (YA2027) rates as checked on 21 October 2026 for a resident employee in the standard case. Not included: other reliefs (spouse, child, parent, course fees, SRS, CPF top-ups), the $80,000 relief cap beyond the reliefs shown, Self-Help Group and SDL deductions, employer CPF for PRs in their first two years, and PRs who opted for full employer rates. This is a guide, not tax advice; your payslip can differ because of tax codes, benefits and timing.
Sources
Questions people ask
How much CPF is deducted from a $5,000 salary?
What is the CPF salary ceiling in 2026?
Do foreigners pay CPF in Singapore?
Is there a personal income tax rebate for YA2027?
How much tax on a $100,000 salary in Singapore?
What is earned income relief?
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