Singapore Income Tax Calculator

Estimate your tax as a Singapore tax resident: reliefs, chargeable income, tax by band and effective rate.

Your Income

Income earned inTax is billed the year after you earn the income.

Your age at 31 Dec of that year

years

StatusAffects CPF and the SRS limit only. Both are taxed at resident rates.

Salary for the year

Before CPF, without bonus.

Bonus for the year

Other taxable income

For example net rental income. Bank deposit interest and Singapore dividends are generally not taxable.

Donation deduction

The deductible amount shown on your tax bill for approved donations, not the cash you gave.

Your Reliefs

Work out my employee CPF for me

Employee CPF, if you prefer to type it

Used only when the box above is unticked. Your compulsory employee CPF is a relief.

CPF cash top-up, own account

Relief up to $8,000.

CPF cash top-up, family

Relief up to $8,000.

SRS contribution

Supplementary Retirement Scheme. Yearly limit $15,300 for citizens and PRs, $35,700 for foreigners.

Spouse relief ($2,000): my spouse earned $8,000 or less

Children you claim child relief forQualifying child relief, $4,000 a child. If you share it with your spouse, enter your share under "Other reliefs" instead.

Parents living with you$9,000 each.

Parents not living with you$5,500 each. Up to 2 parents in total.

NSman relief

Other reliefs

Any other relief you qualify for, such as working mother's child relief or life insurance relief.

Parenthood tax rebate to use (optional)

Any unused balance shown in your IRAS account. It comes off the tax itself.

Estimated tax for ––

Total income: –
Less donation deduction: –
Less reliefs: –
Chargeable income: –
Rebates applied: –
Effective tax rate (tax ÷ total income): –
Rate on your next dollar: –

Your reliefs add up to more than the $80,000 overall cap, so only $80,000 is counted.

No tax is payable on a chargeable income of $20,000 or less.

Reliefs Counted

Relief	Amount

Tax By Band

Chargeable income	Rate	Income in band	Tax

How Singapore Income Tax Is Worked Out

Start with everything taxable you earned in the year: salary, bonus and other income. Take off approved donation deductions, then your personal reliefs. What is left is your chargeable income.

Tax is charged in bands. The first $20,000 of chargeable income is taxed at 0%, the next $10,000 at 2%, and so on up to 24% above $1,000,000. Only the income inside a band is taxed at that band's rate, so moving into a higher band never reduces your pay overall.

Reliefs are capped at $80,000 a year in total. Voluntary reliefs such as a CPF cash top-up or an SRS contribution lower your tax at your top band's rate, which the "rate on your next dollar" row shows. Both lock money away under their own rules, so the tax saved is only one side of that decision.

Assumptions And Limits

For Singapore tax residents only. Non-residents are taxed differently and get no personal reliefs.
Uses the resident rates that IRAS lists as applying from YA 2024 onwards. No personal income tax rebate has been announced for YA 2026 or YA 2027, so none is applied; if one is announced later, your actual bill will be lower.
Relief amounts are those IRAS publishes for YA 2026, assumed unchanged for YA 2027. Each relief has conditions (for example, a spouse, child or parent must not earn more than $8,000 a year) that this tool cannot check for you.
The automatic CPF figure assumes a Singapore citizen or PR from the third year, paid the same salary for 12 months, with the bonus paid in one month. If yours differs, switch it off and type the employee CPF shown on your payslips or IR8A.
Course fees relief lapsed from YA 2026 and is not included. Working mother's child relief, life insurance relief, disability-related reliefs and others can be entered in "Other reliefs".
The Year of Assessment bill is worked out by IRAS from what your employer reports and what you claim. Treat this as an estimate.

This calculator was built with AI tools from published rules and may contain errors. Results are estimates for education only, not financial advice and not a guarantee. Rates and rules change; confirm with the official source before you act. Your figures stay in your browser: nothing you type is sent to us.