Can I Afford Singapore? Cost of Living Calculator
Turn a Singapore salary offer into take-home pay, a complete household budget, savings rate and comfortable-salary target.
What this calculator does
This decision calculator combines salary, CPF, resident or non-resident income tax and an editable Singapore household budget. It is designed for job candidates, new arrivals and families comparing an offer before they relocate. Every input stays in your browser.
Your scenario
Enter your real numbers
Private by design — your inputs stay in this browser.
Example result — edit and calculate
Estimated monthly surplus: S$3,036
Strong affordability with room to save and invest.
Monthly take-home
$9,116
Monthly lifestyle cost
$6,080
Savings rate
33.3%
Comfortable gross salary
$7,203
Targets a 20% buffer
Breakdown
What you’ll get
Real take-home
Salary after CPF and estimated Singapore income tax.
Complete lifestyle cost
Housing, food, transport, school, healthcare and discretionary spending.
Affordability verdict
Monthly surplus, savings rate and a salary target with a 20% buffer.
Frequently asked questions
Does the calculator include CPF?expand_more
Yes for Singapore Citizens and Permanent Residents. Work-pass holders are assumed to have no CPF. The PR option uses steady-state contribution rates; newly approved PRs have graduated rates during their first two years.
How is income tax estimated?expand_more
Tax residents use the project’s YA2026 progressive tax engine after employee CPF. Non-residents use the higher of 15% employment income tax or progressive resident tax, following the existing non-resident calculator.
Are the lifestyle costs official averages?expand_more
No. Defaults are editable planning examples. Replace every field with a real quote or your own spending. SingStat household-expenditure data is provided as a benchmark, not a promise of what your household will spend.
Is my salary or budget stored?expand_more
No. Calculations run client-side and the inputs are not submitted to Smart Calculator.
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