Career Tools

Singapore Salary Calculator 2026

Calculate your take-home pay with Singapore-specific tax calculations, CPF contributions, and allowances. Updated with 2026 CPF changes.

FY2025 Tax Rates • CPF Monthly Ceiling: S$8,000 (2026) • CPF Annual Ceiling: S$102,000 • Age-based rates available

Salary Details

Monthly Salary (SGD)

Annual Bonus (SGD)

Monthly Allowance (SGD)Usually taxable

Age GroupFor CPF contribution rates

Rates effective 1 Jan 2026. Senior worker rates increased by 1.5% from 2025.

Personal Tax Relief (SGD)Default: earned income relief

Include employer CPF in total compensation

Results

Annual Salary (12 months): S$96,000
Annual Bonus: S$16,000
Annual Allowance: S$1,200
CPF Contribution (Employee)(55 and below): S$20,400(20.0% rate)
CPF Contribution (Employer): S$17,340(17.0% rate)
Personal Tax Relief: S$1,000
CPF Tax Relief: S$20,400
Total Tax Relief: S$21,400
Gross Employment Income: S$113,200
Chargeable Income: S$91,800
Estimated Income Tax: S$4,707

How the Singapore take-home pay estimate works

BetterPay combines annual salary, bonus, and taxable cash allowance, then applies employee CPF relief and Singapore resident progressive income tax rates. The result is an estimate for planning, not an official assessment.

1. Build annual income

Monthly salary × 12, plus annual bonus and cash allowances.

2. Estimate CPF and tax

Apply the 2026 CPF ceilings and age rates, then deduct eligible reliefs once.

3. Calculate take-home pay

Gross employment income minus employee CPF and estimated resident income tax.

Rules used for the 2026 estimate

• CPF Ordinary Wage ceiling: S$8,000 per month from 1 January 2026.
• CPF annual salary ceiling: S$102,000, including eligible Additional Wages.
• Resident individual income tax: progressive rates from 0% to 24%.
• Cash allowances are treated as taxable unless a specific exemption applies.

Primary sources: CPF Board contribution rates and IRAS individual income tax rates. Reviewed 22 July 2026.

Singapore salary calculator FAQ

What does the Singapore salary calculator include?: It estimates annual cash income, employee and employer CPF contributions, chargeable income, resident income tax, take-home pay, and total compensation using the salary, bonus, allowance, age group, and relief values you enter.
Which 2026 CPF rules are used?: The calculator uses the S$8,000 monthly Ordinary Wage ceiling, S$102,000 annual salary ceiling, and CPF contribution rates effective from 1 January 2026 for Singapore citizens and third-year-or-later permanent residents earning above S$750 a month.
Are cash allowances taxable in Singapore?: Cash allowances are generally taxable employment income unless a specific exemption or administrative concession applies. This calculator therefore includes the allowance entered in gross employment income.
Can foreigners use this calculator?: The current estimate assumes Singapore resident progressive tax rates and standard CPF rates for citizens or third-year-or-later permanent residents. Foreigners, non-residents, and first- or second-year permanent residents should use the result only as a rough reference.
Is the result an official tax assessment?: No. It is an estimate for planning. Your final CPF and income tax depend on eligibility, residency, reliefs, benefits, rounding rules, and the assessment issued by CPF Board or IRAS.

Next, compare your result with the Singapore salary benchmarks or compare two job offers side by side.

Rules used for the 2026 estimate

• CPF Ordinary Wage ceiling: S$8,000 per month from 1 January 2026.

• CPF annual salary ceiling: S$102,000, including eligible Additional Wages.

• Resident individual income tax: progressive rates from 0% to 24%.

• Cash allowances are treated as taxable unless a specific exemption applies.

Singapore salary calculator FAQ

What does the Singapore salary calculator include?

It estimates annual cash income, employee and employer CPF contributions, chargeable income, resident income tax, take-home pay, and total compensation using the salary, bonus, allowance, age group, and relief values you enter.

Which 2026 CPF rules are used?

The calculator uses the S$8,000 monthly Ordinary Wage ceiling, S$102,000 annual salary ceiling, and CPF contribution rates effective from 1 January 2026 for Singapore citizens and third-year-or-later permanent residents earning above S$750 a month.

Are cash allowances taxable in Singapore?

Cash allowances are generally taxable employment income unless a specific exemption or administrative concession applies. This calculator therefore includes the allowance entered in gross employment income.

Can foreigners use this calculator?

The current estimate assumes Singapore resident progressive tax rates and standard CPF rates for citizens or third-year-or-later permanent residents. Foreigners, non-residents, and first- or second-year permanent residents should use the result only as a rough reference.

Is the result an official tax assessment?

No. It is an estimate for planning. Your final CPF and income tax depend on eligibility, residency, reliefs, benefits, rounding rules, and the assessment issued by CPF Board or IRAS.