Take-Home Pay Calculator

From gross salary to what lands in your bank: employee CPF, employer CPF and estimated income tax.

Take-home pay in a normal month–

Gross salary: –
Less your CPF (–): –
Take-home pay: –
Less estimated income tax, spread monthly: –
After-tax monthly figure: –

Your Year

Item	Salary	Bonus	Year

What Your Employer Pays

Employer CPF in a normal month (–): –
Total into your CPF in a normal month: –
Employer cost in a normal month: –
Employer cost for the year: –

From Gross Pay To Take-Home Pay

Your employer takes your share of CPF off your salary before paying you, and adds its own share on top. Both go into your CPF accounts. The rates depend on your age and fall in steps after 55.

CPF is not charged on everything. Monthly salary above the Ordinary Wage ceiling of $8,000 attracts no CPF. Bonuses are "additional wages", and CPF applies to them only until your total wages for the year reach $102,000. Above those limits, pay reaches you in full.

Income tax works differently. It is not deducted from your pay each month. IRAS bills you the following year, and many people pay by GIRO instalments. The "after-tax monthly figure" shows what is left if you set that money aside as you go.

Assumptions And Limits

For Singapore citizens and PRs from their third year of PR status, in the private sector, paid the same salary for all 12 months. First and second-year PRs pay lower graduated rates that are not modelled. Foreigners pay no CPF.
CPF applies to ordinary wages up to $8,000 a month, and to total wages up to $102,000 a year. The bonus is treated as an additional wage paid in one month.
The age you enter sets the CPF rate for the whole year. In practice the rate changes from the month after your 55th, 60th, 65th or 70th birthday.
Income tax is an estimate using resident rates, earned income relief, CPF relief and any other reliefs you enter. It is billed the following year, not deducted from your pay, so the "after tax" figure simply spreads it over 12 months.
Employer cost counts salary, bonus and employer CPF only. It leaves out the Skills Development Levy, foreign worker levy, insurance and benefits.
Other payslip deductions, such as contributions to self-help group funds, are not included.

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.

Take-Home Pay Calculator

Your Pay

Your Year

What Your Employer Pays

From Gross Pay To Take-Home Pay

Assumptions And Limits

Sources