Singapore salary calculator 2026: take-home pay after CPF and tax
This free Singapore salary calculator turns your gross salary into your real take-home pay for 2026. It shows your pay after CPF (your compulsory retirement savings) and income tax, down to the monthly figure. Every rate comes from official sources (IRAS for income tax, the CPF Board for contribution rates), and you can see exactly how each number is worked out.
How your Singapore take-home pay is calculated
For a Citizen or PR, CPF (20% for age 55 and below) is deducted on Ordinary Wages up to the $8,000/month ceiling. Income tax is then charged on your chargeable income, which is your salary minus the Earned Income Relief and CPF relief, at resident rates. Foreigners pay no CPF, so only income tax applies.
| 2026 deduction (employee) | Rate | Notes |
|---|---|---|
| CPF (55 & below, Citizen/PR) | 20% | on wages up to $8,000/month |
| Income tax (resident) | 0% to 24% | on chargeable income after reliefs |
| CPF (foreigner) | 0% | foreigners do not pay CPF |
$45,000 after tax in Singapore (2026)
A Singapore Citizen aged 55 or below on $45,000 takes home about $35,625 a year: about $9,000 of CPF and just $375 of income tax (chargeable income $35,000 after the $1,000 Earned Income Relief and $9,000 CPF relief). A $100,000 salary takes home about $77,464, where CPF caps at $19,200. Enter your own salary, citizenship and age above for an exact breakdown.
Frequently asked questions
- Is this Singapore salary calculator free?
- Yes. It's completely free, with no sign-up. Enter your gross salary and it shows your take-home pay for 2026 after CPF and income tax, using official IRAS and CPF Board figures, for Singapore Citizens, PRs and foreigners.
- How is take-home pay calculated in Singapore?
- Two things come out of a Singapore Citizen or PR's salary: CPF (your retirement savings, 20% for age 55 and below, on wages up to the $8,000/month ceiling) and income tax. Income tax is charged on your chargeable income, which is your salary after the Earned Income Relief and CPF relief. Take-home cash = gross minus CPF minus income tax. Foreigners pay no CPF.
- How much is $45,000 after tax in Singapore?
- For 2026, a Singapore Citizen aged 55 or below on $45,000 takes home about $35,625 a year (roughly $2,969 a month): about $9,000 of CPF and only $375 of income tax. Some calculators show a lower figure (around $35,100) because they tax the full salary without the Earned Income Relief and CPF relief that IRAS applies automatically; we apply them, so our figure matches IRAS.
- What is CPF and how much do I pay?
- CPF (Central Provident Fund) is Singapore's compulsory savings scheme for retirement, housing and healthcare. The employee's share is 20% of wages for age 55 and below (18% for 56-60, 12.5% for 61-65, lower thereafter), on Ordinary Wages up to the $8,000/month ceiling ($96,000/year) for 2026. CPF is deducted from your cash pay but goes into your own CPF account.
- Do foreigners pay CPF in Singapore?
- No. Only Singapore Citizens and Permanent Residents pay CPF. Foreigners on a work pass (EP, S Pass, Work Permit) do not contribute to CPF, so their only deduction is income tax. Choose 'Foreigner' above to exclude CPF.
- What reliefs are included?
- Every working tax resident automatically gets the Earned Income Relief ($1,000 for age 55 and below, more for older workers) and CPF relief (equal to the compulsory employee CPF). These reduce your chargeable income before tax. Other personal reliefs (spouse, child, parent, SRS, etc.) vary by person and are not included, and one-off tax rebates are excluded.