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What Is Singapore PR Worth? PR vs EP Calculator

Compare CPF, property ABSD, school fees and other editable financial differences over your planned years in Singapore.

verified_userBy Smart Calculator Editorial · ONN Group LLP|updateVerified Jul 2026|open_in_newCPF Board · IRAS · MOE|Planning estimate — test multiple scenarios before deciding.

What this calculator does

This calculator estimates the financial difference between remaining on an Employment Pass and holding Singapore Permanent Residence. It does not predict PR approval and deliberately keeps school and healthcare assumptions editable.

Your scenario

Enter your real numbers

tune

Career & timeline

Gross monthly salary

Age

Years in Singapore

years

CPF projection rate

% p.a.

Family & property

Possible first property

Enter 0 if you do not plan to buy.Children in school

MOE primary fee — non-ASEAN international student

2026 monthly school fee; replace for ASEAN, secondary or pre-university.MOE primary fee — PR

2026 monthly school fee; miscellaneous fees are separate.Other annual PR savings

Optional healthcare or other verified savings for your family.

Private by design — your inputs stay in this browser.

Example result — edit and calculate

Estimated 10-year financial value: S$887,640

PR redirects about S$172,800 of take-home pay into CPF while adding employer CPF and the other savings you selected.

Employer CPF added

$143,040

Property ABSD difference

$660,000

School-fee difference

$84,600

Projected CPF balance

$369,939

Breakdown

Employee CPF redirected from cash$172,800

Employer CPF added$143,040

Property ABSD saving$660,000

School-fee saving$84,600

Healthcare saving entered$0

lightbulbCPF uses the official default graduated PR rates for years one and two, then full rates from year three; exact payroll can differ if employer and employee jointly choose full rates earlier.

lightbulbProperty savings use current first-property ABSD profiles; treaty relief and joint-purchase rules can change the result.

lightbulbThis measures financial effects only. It does not estimate PR approval likelihood or non-financial benefits.

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What you’ll get

savings

CPF trade-off

See employee cash redirected into CPF and employer CPF added.

apartment

Property impact

Compare current first-property ABSD profiles.

school

Family impact

Use the actual school-fee difference for your children and school type.

Frequently asked questions

Does this calculate my chance of receiving PR?expand_more

No. It calculates financial differences only. PR applications are assessed by ICA and no public formula can reliably predict approval.

How are first- and second-year PR CPF rates handled?expand_more

The projection uses the official default graduated rates for PR year one and year two, followed by full rates from year three. CPF rounds contributions per payroll month, and employers and employees may jointly elect full rates earlier, so verify an actual payslip with CPF Board.

Why is the property difference so large?expand_more

Current ABSD rates depend heavily on buyer profile. The calculator compares a foreigner and PR purchasing their first residential property, but treaty treatment, joint buyers and future policy changes can alter the result.

What do the school-fee defaults represent?expand_more

They are the 2026 monthly school fees for a non-ASEAN international student and PR in a government or government-aided primary school. Miscellaneous fees are separate. Replace both values for ASEAN students, secondary school, pre-university or another school type.

Sources and methodology

CPF Board — PR CPF obligation and graduated first two years
IRAS ABSD — Foreigner and PR buyer profiles
MOE school fees — Current school-fee checker

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