Salary Calculator Singapore (2026)

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.

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.

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.

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.

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.

AWS and other bonuses are classified as Additional Wages (AW) for CPF purposes. CPF is deducted on AW up to the Annual Wage Ceiling (AWC) of $102,000 minus the total Ordinary Wages already contributed in the year. For most employees earning up to $8,000/month, the full 12 months of OW CPF use up $96,000 of the AWC, leaving $6,000 of AW eligible for CPF. An AWS of one month at $6,000 or less would therefore be fully subject to CPF.

Generally no. Director's fees paid to a company director are not subject to CPF contributions because directors are not considered employees of the company for CPF purposes — they are office holders. However, if a director also holds an employment position (e.g. CEO) and receives a salary for that employment role, CPF applies to that salary. Only the director's fee component is excluded. This distinction matters for directors who receive both a salary and fees.

Multiply your hourly rate by the number of hours worked per week, then by 52 weeks, then divide by 12 to get a monthly figure. Example: $15/hour × 20 hours/week = $300/week × 52 = $15,600/year ÷ 12 = $1,300/month. CPF applies to this monthly figure. For part-time workers, the CPF contribution rates are the same as for full-time workers — rates depend on age and residency status, not hours worked.

The National Wages Council is a tripartite body (employers, unions, government) that issues annual wage guidelines recommending salary increases. NWC guidelines are not legally binding — they are recommendations. However, they strongly influence collective bargaining outcomes and many employers benchmark salary increases against them. For 2024, NWC recommended built-in wage increases of 5.0–6.5% for lower-wage workers and 3.0–4.0% for other workers. The guidelines are particularly followed in unionised sectors.

The Progressive Wage Model (PWM) sets mandatory minimum wage increases tied to skills upgrading for specific sectors — cleaning, security, landscape, food services, retail, and admin & HR. If you work in a PWM sector, your employer is legally required to pay at least the prescribed PWM wage for your job level. This directly affects your base salary and therefore your CPF contributions and take-home pay. PWM wages are higher than the general Local Qualifying Salary requirement and increase annually.