Salary Calculator Singapore (2026)
Calculate your monthly take-home pay after CPF and income tax deductions.
What is the Singapore Salary Calculator?
The Singapore Salary Calculator computes your monthly take-home pay after deducting CPF employee contributions and estimated income tax. It uses the 2026 CPF rates (including the $8,000 OW ceiling) and IRAS YA2026 progressive tax brackets to give you an accurate net pay estimate.
Enter your salary and age to see your take-home pay breakdown
Take-home
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CPF
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Tax
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Quick Reference
- • CPF employee contribution: 20% of ordinary wages (age 55 and below)
- • CPF OW ceiling: $8,000/month from January 2026
- • Employer CPF: additional 17% (not deducted from salary)
- • Income tax is filed annually, not deducted monthly from salary
- • Annual Wage Ceiling for CPF: $102,000
How Take-Home Pay Works in Singapore
Your take-home pay in Singapore is calculated by deducting CPF employee contributions and estimated income tax from your gross monthly salary.
CPF is deducted monthly from your salary. For citizens aged 55 and below, the employee rate is 20% on ordinary wages up to the $8,000 monthly ceiling. Your employer pays an additional 17% on top. For a detailed breakdown, use our CPF Contribution Calculator.
Income tax in Singapore is filed annually, not deducted monthly. This calculator estimates the monthly tax portion by annualising your salary, deducting CPF contributions as tax relief, applying IRAS progressive brackets, and dividing by 12. See the full bracket breakdown in our Income Tax Calculator.
Gross Salary
Your monthly salary before any deductions
− CPF Employee (20%)
Mandatory savings deducted from salary, capped at $8,000 OW
− Income Tax (est.)
Annual tax divided by 12 for monthly estimate
= Take-Home Pay
What you actually receive in your bank account
Frequently Asked Questions
How is take-home pay calculated in Singapore?expand_more
Your take-home pay is your gross monthly salary minus CPF employee contribution minus estimated monthly income tax. For a citizen aged 55 and below, CPF employee contribution is 20% of wages (capped at $8,000 OW). Income tax is estimated by annualising your salary, applying IRAS progressive brackets, and dividing by 12.
What deductions come out of my salary?expand_more
The main deduction is your CPF employee contribution (20% for citizens aged 55 and below, capped at the OW ceiling of $8,000). Income tax is not deducted monthly from salary — it is filed annually and paid separately. This calculator estimates the monthly tax portion for planning purposes.
Does my employer pay CPF on top of my salary?expand_more
Yes. Your employer contributes an additional 17% (for age 55 and below) on top of your salary. This is not deducted from your pay — it is an additional cost to the employer that goes directly into your CPF accounts.
What is the CPF ordinary wage ceiling?expand_more
From January 2026, the CPF Ordinary Wage (OW) ceiling is $8,000 per month. CPF contributions are calculated only on monthly wages up to this amount. Any salary above $8,000 is not subject to additional CPF contributions on the excess.
Is this calculator accurate for bonus months?expand_more
This calculator estimates tax based on 12 months of regular salary. Bonuses (Additional Wages) are subject to CPF up to the Annual Wage Ceiling of $102,000 minus total Ordinary Wages for the year. For a more precise estimate including bonuses, consult the IRAS tax calculator.
Sources
- • CPF Board (cpf.gov.sg) — Employee and employer contribution rates, OW ceiling, and Annual Wage Ceiling
- • IRAS (iras.gov.sg) — YA2026 progressive income tax brackets and personal relief cap