Singapore Salary Calculator: Take-Home Pay and CPF
Free Singapore take-home pay calculator for 2026: employee and employer CPF by age, bonus and wage ceilings, self-help group funds and income tax estimate.
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What it does
In Singapore an employee who is a citizen or permanent resident pays a share of the salary into the Central Provident Fund (CPF): 20% up to age 55, less from 55. The employer adds 17% on top. Income tax is not withheld from the salary: it is assessed by IRAS and paid the following year, at resident rates from 0% to 24% after reliefs such as the CPF itself. This calculator applies the 2026 CPF rates and ceilings and estimates the yearly tax.
How to use it
- Type your monthly salary, your age and your bonus in months of salary.
- Choose your residency and, if your payslip has one, the self-help group fund.
- See the CPF, the take-home pay per month and the estimated income tax for the year.
The arithmetic runs in your browser. Nothing you type is sent anywhere and nothing is stored, so you can use these with real numbers.
Frequently asked questions
How much is the take-home pay on S$5,000 a month?
For a Singapore citizen aged 30, the employee CPF is $1,000, so the take-home pay is $4,000 a month. The employer adds $850 of CPF. With no bonus, the income tax for the year is about $1,040, paid the following year.
What changed in CPF in 2026?
From 1 January 2026 the Ordinary Wage ceiling rose from $7,400 to $8,000 a month, and the contribution rates for workers aged 55 to 65 went up: 34% in total from 55 to 60 and 25% from 60 to 65.
Is CPF paid on the bonus?
Yes, up to the Additional Wage ceiling: $102,000 minus the monthly salary subject to CPF in the year. With a salary of $9,000 a month only $8,000 counts each month, so only $6,000 of the bonus pays CPF.
What are CDAC, ECF, MBMF and SINDA?
They are self-help group funds deducted with the CPF: CDAC for Chinese, ECF for Eurasian, MBMF for Muslim and SINDA for Indian employees. The amount depends on the monthly wage, from $0.50 to $30, and you can opt out by contacting the group.
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๐ผ Salary Calculator
CPF Board — How much CPF contributions to pay
IRAS — Individual income tax rates
CPF Board — Self-Help Groups