Singapore calculator

Salary Calculator Singapore - 2025

Our free salary calculator helps you make informed financial decisions in Singapore. Whether you are planning your budget, evaluating a loan, or projecting investment growth, our calculator provides accurate results based on Singapore specific rates and regulations.

At a Glance

How much take-home pay will I receive in Singapore?

Your take-home pay in Singapore is your gross salary minus employee CPF contributions (20% for under 55). Income Tax is calculated annually. Our free salary calculator uses 2025 CPF rates and income brackets to estimate your net pay and tax liability.

Quick Answer

How do I calculate my take-home pay in Singapore?

In Singapore, take-home pay starts with gross salary minus employee CPF contributions (20% for under 55). Unlike most countries, Income Tax is paid annually via IRAS assessment rather than per-paycheck. Your employer also contributes 17% to your CPF. The CPF allocation splits between OA (for housing/investment), SA (retirement), and MA (healthcare). Our salary calculator shows your monthly net pay after CPF and estimates your annual tax from the 2025 progressive rates (0-24%).

Salary Calculator

Converts salary between different pay periods

Inputs

Amount

Pay Period

Hours per Week

Days per Week

Results

Salary Breakdown

AnnualS$60,000.00

MonthlyS$5,000.00

BiweeklyS$2,307.69

WeeklyS$1,153.85

DailyS$230.77

HourlyS$28.85

How to Use the Salary Calculator

Follow these simple steps to get accurate results in just a few clicks.

1
Enter your gross monthly salary
Type your monthly base salary in S$, including allowances but excluding bonuses.
2
Select your age bracket
Choose your age group to apply the correct CPF contribution rates (under 55, 55-60, 60-65, 65-70, or above 70).
3
Add your bonus amount
Enter any AWS or performance bonus. CPF is applied up to the annual wage ceiling ($37,740 additional wages cap).
4
Review your CPF breakdown
View your employee and employer CPF contributions split across OA, SA, and MA allocations for 2025.
5
Estimate your annual tax
The calculator estimates your income tax based on progressive rates. Actual tax is filed annually with IRAS.

How to Use the Salary Calculator

Enter your gross annual salary in S$ to calculate your take-home pay after 2025 income tax and deductions in Singapore. Adjust for superannuation, social security, and other deductions specific to Singapore.

Singapore Tax Brackets

Singapore uses a progressive tax system. Our calculator applies the correct tax brackets for 2025, including marginal tax rates, tax-free thresholds, and applicable deductions.

Understanding Your Take-Home Pay

Your gross salary minus income tax, social security contributions, and other mandatory deductions equals your net take-home pay. Use this figure for budgeting and financial planning in Singapore.

Frequently Asked Questions

How is income tax calculated in Singapore?

Income tax in Singapore uses progressive rates starting from 0% on the first $20,000 to 22% on income over $1,000,000 (for 2025). Rates for residents: 0% on $0-$20,000, 2% on $20,001-$30,000, 3.5% on $30,001-$40,000, 7% on $40,001-$80,000, 11.5% on $80,001-$120,000, 15% on $120,001-$160,000, 18% on $160,001-$200,000, 19% on $200,001-$240,000, 19.5% on $240,001-$280,000, 20% on $280,001-$320,000, 22% on $320,001-$500,000, 23% on $500,001-$1,000,000, and 24% above $1,000,000. Singapore has a territorial tax system — income earned overseas is generally not taxed.

What is CPF and how much is deducted?

The Central Provident Fund (CPF) is a mandatory social security savings scheme. For employees under 55 earning over $750/month, contribution rates are 20% (employee) and 17% (employer) of ordinary wages for the 2025 year, capped at $6,800 monthly ordinary wage. Total CPF contributions go to: CPF Ordinary Account (CPF OA, 62.2% for monthly housing and investment), CPF Special Account (CPF SA, 16.2% for retirement), and CPF Medisave Account (CPF MA, 21.6% for healthcare). Rates are lower for older workers.

What are the CPF contribution rates by age?

For 2025: Under 55: 20% employee + 17% employer (total 37%). Age 55-60: 16% + 15% (31%). Age 60-65: 10.5% + 11.5% (22%). Age 65-70: 7.5% + 9% (16.5%). Above 70: 5% + 7.5% (12.5%). Rates apply to ordinary wages up to $6,800/month and additional wages (bonuses) up to $37,740 annual cap.

What is the difference between gross pay and net pay in Singapore?

Gross pay is your total earnings. Net pay is what you receive after deducting employee CPF contributions (20% under 55) and any SDL (Skills Development Levy, 0.25%). Income Tax is paid annually via IRAS assessment, not deducted per-pay-period for most employees, though some opt for monthly GIRO deductions.

What personal reliefs are available for tax in Singapore?

Key personal reliefs for 2025: Earned Income Relief ($1,000-$8,000 based on age), CPF Relief (on mandatory employee contributions), Parent Relief ($9,000 per qualifying parent living with you), NSman Relief ($1,500-$3,500), Course Fees Relief ($5,500), Foreign Maid Levy Relief (2x levy paid), and CPF Cash Top-up Relief. Parenthood Tax Rebate provides up to $20,000 per child.

What is the minimum wage in Singapore?

Singapore does not have a statutory minimum wage. The Progressive Wage Model (PWM) sets minimum wages in specific sectors: cleaning ($1,518-$2,135/month), security ($1,575-$2,870/month), landscaping ($1,518-$2,135/month), and lift maintenance ($1,700-$2,800/month). The Local Qualifying Salary (LQS) is $1,600/month for full-time workers.

How are bonuses taxed in Singapore?

Bonuses (Annual Wage Supplement or AWS) are taxed as part of your total employment income. They attract CPF contributions on both employee and employer sides (capped at the CPF annual limit). Income Tax is calculated on your total assessable income including bonuses when you file your annual tax return with IRAS.

Compare Salary Calculator

United States United Kingdom Australia Canada

Last Updated: June 2026 — Reviewed Against Official Sources

Official Sources

Singapore calculators use data from the following official government agencies:

Inland Revenue Authority of Singapore (IRAS) — Personal income tax rates, reliefs, and rebates.
SingStat (Department of Statistics Singapore) — Economic indicators, wage data, and household statistics.
Ministry of Finance (Singapore) — Fiscal policy, GST rates, and government budget data.
CPF Board — CPF contribution rates, allocation ratios, and withdrawal rules.

Methodology

Our Singapore calculators follow income tax rates, CPF contribution rates, and GST rates published by IRAS and the Ministry of Finance. Economic data is sourced from SingStat and the Department of Statistics. All figures are for educational purposes and should be verified with a qualified professional.

Data Sources

All tax brackets, contribution rates, and economic data used in our calculators are sourced from the official government publications listed above. Rates are updated at least annually to reflect the latest tax year and regulatory changes. Users should verify critical figures with official sources or qualified professionals.

Last updated: June 2026. Information may change; always verify with official sources.