How this salary calculator works
Enter your pay, choose the period and review your tax profile. The result estimates annual deductions first, then divides net pay into equivalent pay periods. It is not a payslip or a tax return.
Tax year and assumptions
2026 earnings / YA 2027 planning estimate
- Singapore tax resident employee, one job and 2026 employment income only. Tax is an annual provision for YA 2027 using the current rates stated by IRAS to apply from YA 2024 onwards. It is not YA 2026 tax on 2025 income, and monthly income tax is not necessarily withheld from your payslip.
- Ordinary Wages are paid equally over 12 months. The separate annual bonus input is automatically treated as Additional Wages; the CPF Additional Wages input only classifies additional amounts already within the base salary, so do not repeat that separate bonus there. Overtime is treated as Ordinary Wages. All Additional Wages are assumed paid in December. Different bonus dates, salary changes, CPF wage classifications or partial years require actual payroll calculations.
- 2026 employee CPF rates, S$8,000 monthly Ordinary Wage ceiling and S$102,000 annual wage ceiling are applied. The employee share is rounded down to whole dollars monthly. Employer CPF is excluded from both salary and take-home cash.
- The CPF age band and PR-year status are assumed unchanged throughout the year. Select the appropriate earned-income-relief age separately. A birthday or PR anniversary that changes the contribution band during 2026 requires a month-by-month calculation.
- Compulsory employee CPF and the selected standard Earned Income Relief are deducted for income tax, subject with other entered reliefs to the S$80,000 personal relief cap. Disability relief, donations, other income, tax rebates, community fund deductions and employer-paid taxable benefits are not modelled.
- Tax relief inputs are not cash deductions. Where an entered relief also involves cash you paid, use the common extra after-tax deduction input if you want that payment included in your cash budget. No one-off future YA rebate is assumed.
Sources and rule dates
- IRAS: Resident income tax rates from YA 2024 onwards
- CPF Board: Contribution rates and monthly employee rounding
- CPF Board: All 2026 contribution tables, including graduated PR rates
- CPF Board: 2026 Ordinary Wage ceiling of S$8,000 per month
- CPF Board: Additional Wage ceiling examples for 2026
- IRAS: Earned Income Relief
- IRAS: CPF Relief and total personal relief cap
Why can payroll differ?
Tax codes, family circumstances, credits, other income, employer benefits, contribution limits and rounding can change actual pay. Check the stated profile and official sources before using the estimate.
Your data stays with you
Calculations run on your device. Comparison entries exist only in this tab and disappear when you reload. No salary is sent to a tax API.