Official 2026 Rates · Verified

Singapore Reference Rates 2026

Every figure that powers our calculators — CPF ceilings, interest rates, tax brackets, stamp duty, HDB loan rate and more. Each row cites its official source and shows when we last verified it.

Freshness legend

LiveMonthlyAnnual policySnapshot

Live = real-time upstream API. Monthly = we re-verify monthly. Annual policy = legislated rate that changes annually. Snapshot = verified recent value, live integration pending.

IndicatorValueFreshnessLast updatedSource
CPF OW CeilingS$8,000Annual policyJan 2026CPF Boardopen_in_new
CPF Annual Wage CeilingS$102,000Annual policyJan 2026CPF Boardopen_in_new
CPF Employee Rate (≤35)20%Annual policyJan 2026CPF Boardopen_in_new
CPF Employer Rate (≤35)17%Annual policyJan 2026CPF Boardopen_in_new
CPF OA interest2.5%MonthlyQ2 2026CPF Boardopen_in_new
CPF SA / MA / RA interest4.00%MonthlyQ2 2026CPF Boardopen_in_new
HDB concessionary loan2.60%Annual policy2026HDBopen_in_new
YA2026 top marginal tax24%Annual policyYA2026IRASopen_in_new
GST rate9%Annual policy2024–IRASopen_in_new
BSD first tier1%Annual policy2026IRASopen_in_new
ABSD (SC, 2nd property)20%Annual policy2026IRASopen_in_new
EHG max grantS$120,000Annual policy2026HDB / CPFopen_in_new
IPPT Gold85 ptsAnnual policy2026MINDEFopen_in_new
Min statutory annual leave7 daysAnnual policy2026MOMopen_in_new
1-Month Compounded SORA
Q2 2026 snapshot. Verify current rate at mas.gov.sg/statistics/sora.
2.85%SnapshotQ2 2026MASopen_in_new
Gold spot
Snapshot — set GOLDAPI_KEY env var to enable live gold spot.
3,400 SGD/ozSnapshotQ2 2026LBMA / marketsopen_in_new

For reference only. These figures change with government policy updates. We re-verify against the cited primary sources and update this page; always confirm with the official source before relying on a value for a financial decision.