The Singapore Tax Optimization Playbook
Every legal lever, ranked
A working playbook of every legitimate Singapore income tax relief — ranked by S$ saved per hour of effort, with worked examples across the S$100k / S$200k / S$400k income tiers.
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Eight chapters covering CPF top-up plays, SRS structuring, the NSman + family relief stack, course-fees relief, donations, rental and overseas income, and the S$80k relief cap that quietly caps every plan. Includes a bundled tax checklist Excel that calculates YA2026 tax payable across reliefs and shows the marginal value of each additional dollar relief.
- check_circle8 chapters covering the S$80k relief cap, CPF top-up ROI, SRS strategy, NSman + family reliefs, course-fees, donations, rental + overseas income, and AIS timing
- check_circleBundled tax checklist Excel — YA2026 brackets + relief stack calculator showing your marginal S$ saved per relief
- check_circleWorked examples at S$100k / S$200k / S$400k income tiers in every chapter
- check_circleAnnual February update memo before tax-filing season covering YA changes and what to do differently
- check_circleDecision frameworks for two-earner couples (NS wife, QCR/WMCR splits) and SRS withdrawal timing
- check_circle7-day no-questions-asked refund
Founding-reader price
S$29
First 100 readers — bundle at S$29 (regular S$39).
Education only — not financial advice. Verify every figure against the official source before you commit a dollar.
What you'll learn
By the end of the book, you'll be able to:
- crop_squareUnderstand why the S$80k personal relief cap quietly defines your strategy — not every relief is worth chasing.
- savingsDecide between CPF SA top-up, MA top-up, parent top-up, and voluntary CPF as one stack — ranked by ROI.
- account_balanceRun the SRS decision with worked drawdown math so you don't get trapped at withdrawal time.
- military_techStack NSman + family reliefs across spouses optimally, including the often-missed NS wife / NS parent reliefs.
- schoolIdentify which courses qualify for course-fees relief — and which "training" doesn't.
- volunteer_activismMake tax-deductible donations actually move the needle (the 2.5× multiplier explained simply).
- home_workDecide which rental property deductions are bulletproof at IRAS audit time.
Pairs with these free calculators
The math is already on the site. The book helps you decide what to do with it.
Frequently asked
Honest answers before you buy.
I already use the tax-relief-optimizer calculator. Why buy the book?expand_more
The calculator gives you the number. The book gives you the playbook for which reliefs to chase first when you can't fund all of them, how to coordinate reliefs across two earners, and the timing decisions (lump-sum bonus, SRS year choice) that calculators can't reason about.
I earn S$120k. Is this worth S$29 for me?expand_more
At S$120k, a single CPF SA top-up or SRS contribution decision moved well typically saves S$1,500–S$3,500/year of tax. The book pays for itself in roughly two emails to your accountant's questions about why you're doing what you're doing. If you earn under S$80k taxable, savings are smaller — consider waiting until your income crosses S$100k.
Does it cover business owners / self-employed?expand_more
Primarily employment income (PMET-style). Self-employed have a different deductions universe (Section 14 expenses, capital allowances) that warrants its own treatment — that's a planned 2027 Q1 follow-up. The income-side reliefs covered here still apply to self-employed.
Is this financial advice?expand_more
No. Education only. The book walks through frameworks and the math — every reader's situation is different. For material decisions (especially SRS strategy, rental structuring, or anything touching overseas income), see a tax adviser. The book makes you a sharper conversation partner.
Refund policy?expand_more
7-day no-questions-asked refund. Long enough to read the book, run your YA2026 numbers in the checklist, and decide if it earned its S$29.