The Singapore income tax and CPF calculator estimates your take-home pay after personal income tax (0–22%) and CPF contributions. Singapore residents are taxed at progressive rates on chargeable income, while CPF (Central Provident Fund) contributions are mandatory savings for employees. This tool uses 2025 IRAS tax brackets and CPF rates.
Your Income Details — 2025
Annual Breakdown — 2025
Total CPF Contributions
CPF contributions are capped at the ordinary wage ceiling (S$7,400/month) plus additional wage ceiling (S$102,000/year).
Income Breakdown
Monthly & Weekly Breakdown
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Uses 2025 IRAS tax brackets and CPF rates. Estimate only — consult a tax professional for official advice.
How to Use the Singapore Income Tax & CPF Calculator
Singapore personal income tax is among the most competitive in Asia, with rates from 0% to 22% for tax residents. Unlike PAYE systems in Europe, Singapore taxes income on an annual basis assessed by IRAS (Inland Revenue Authority of Singapore). Combined with mandatory CPF contributions, your actual cash take-home depends on both your tax liability and the CPF deduction from monthly wages. This calculator covers both for 2025.
Step 1: Enter Your Salary and Bonus
Enter your gross annual salary and any annual bonus or variable pay. Singapore income tax applies to your total assessable income, so bonuses are added to salary before tax is calculated. CPF contributions also apply to bonus payments (the Additional Wage ceiling), so including your bonus gives a complete picture of your annual deductions.
Step 2: Select Residency Status
Singapore tax residents (citizens and permanent residents, plus those who have lived in Singapore for at least 183 days) are taxed at progressive rates starting at 0% on the first S$20,000. Non-residents are taxed at a flat 15% on employment income or the resident rate — whichever is higher. Director's fees and other income types may have different rates for non-residents.
Step 3: Select Your Age Bracket for CPF Rates
CPF contribution rates vary by age. Employees under 55 contribute 20% of their ordinary wages (capped at S$7,400/month), with employers contributing 17%. Rates step down at ages 55, 60, 65, and 70 to ease the cost burden on older workers. Select your age bracket and the calculator applies the correct employee and employer CPF rates automatically.
Step 4: Understand 2025 Singapore Tax Brackets
The 2025 Singapore income tax rates for residents are: 0% up to S$20,000; 2% from S$20,001 to S$30,000; 3.5% from S$30,001 to S$40,000; 7% from S$40,001 to S$80,000; 11.5% from S$80,001 to S$120,000; 15% from S$120,001 to S$160,000; 18% from S$160,001 to S$200,000; 19% from S$200,001 to S$240,000; 19.5% from S$240,001 to S$280,000; 20% from S$280,001 to S$320,000; and 22% above S$320,000.
Step 5: CPF is Savings, Not Just Tax
Unlike income tax, CPF contributions are not lost — they are deposited into your Ordinary Account (for housing), Special Account (for retirement), and MediSave Account (for medical expenses). The combined employee and employer CPF contribution goes into these accounts. Your cash take-home is your gross salary minus employee CPF minus income tax. File your Singapore tax return annually at mytax.iras.gov.sg between January and April each year.
FAQ
Is this Singapore income tax calculator free?
Yes, completely free with no signup required. All calculations run locally in your browser using 2025 IRAS and CPF rates. Use it as many times as needed.
Is my salary data private?
Absolutely. All calculations happen entirely in your web browser. No salary figures or personal data are sent to any server. The calculator works offline once the page has loaded.
How does Singapore personal income tax work?
Singapore taxes residents on a progressive scale from 0% to 22% on chargeable income. The first S$20,000 is tax-free. IRAS assesses income tax annually, and most employees receive their tax bill after filing. Singapore does not have a pay-as-you-earn (PAYE) withholding system like the UK or Ireland.
What is CPF and how are contributions calculated?
CPF (Central Provident Fund) is Singapore's mandatory savings scheme. Employees aged under 55 contribute 20% of their monthly wages, while employers contribute 17%, for a combined 37%. Contributions are capped at the ordinary wage ceiling (S$7,400/month in 2025). CPF funds are split into Ordinary, Special, and MediSave accounts.
How are CPF rates different for older workers?
CPF contribution rates reduce with age to ease the burden on older employees. Workers aged 55–60 have lower combined rates than those under 55, with further reductions for ages 60–65 and 65+. This calculator adjusts CPF rates automatically based on the age bracket you select.
How is non-resident tax different from resident tax?
Non-residents are taxed at a flat 15% on employment income or the resident rates, whichever gives a higher tax. They are not eligible for personal reliefs or rebates. Short-term visitors (under 60 days) may be exempt. This calculator applies the flat 15% rate for non-residents.
Is bonus income taxed the same way in Singapore?
Yes, bonus and variable pay are added to your assessable income and taxed at your marginal rate. CPF contributions also apply to bonus payments up to the annual wage supplement ceiling (S$102,000 additional wages per year). This calculator adds bonus to annual income before computing tax and CPF.
Should I use this to file my Singapore income tax return?
No. This is an estimate for planning purposes only. Singapore residents file their annual income tax return with IRAS via the myTax Portal at mytax.iras.gov.sg. Consult a tax professional for advice on reliefs, deductions, and official filing requirements.