A Singapore personal finance calendar is the short list of money dates that actually move your bank balance in a year: when income tax is due, the last day to top up SRS or CPF for tax relief, when government payouts land, and the windows to buy Savings Bonds or apply for a BTO flat. For what is left of 2026, the dates to lock in are 31 December (SRS and CPF cash top-up cutoff for Year of Assessment 2027 relief), the November BTO exercise, and 31 January 2027 (property tax). The April tax filing and the August GST Voucher cash payout have already happened. Miss the year-end one and you overpay tax you never needed to. Everything below is dated and sourced so you can set the reminders once and stop guessing.
Most calendars you find online just dump every date into one long list. That is not how your money works. The dates fall into four buckets, and each bucket needs a different response from you.
Obligations are the ones with a penalty attached: income tax filing in April and property tax in January. Relief deadlines are the opposite, dates where doing something before the cutoff cuts your tax bill, and the biggest of those is 31 December. Payouts are money the government sends you, mostly automatic, so the job is just knowing what to expect and when. Investment windows are optional but recurring, like the monthly Singapore Savings Bonds application or the roughly fortnightly T-bill auctions.
Sort every date into one of those four and the year stops feeling random. You act on obligations and relief deadlines, and you simply watch the payouts and investment windows.
Here is the year on one screen. Dates for tax filing, the year-end relief cutoff and government payouts are fixed or officially announced; bond and T-bill dates recur monthly or fortnightly and are published by the Monetary Authority of Singapore a few days ahead.
| Month | What happens | Who it affects | Do this |
|---|---|---|---|
| Feb | Budget debate; first HDB BTO exercise of the year (4,692 flats) | Everyone; flat hunters | Read Budget for new payouts; shortlist BTO projects |
| Mar-Apr | Income tax e-filing opens 1 Mar, closes 18 Apr | Anyone earning above S$22,000 | File and check your reliefs |
| Jun | Second BTO exercise (6,952 flats) | Flat hunters | Apply if a project fits |
| Aug | GST Voucher cash (up to S$850) and MediSave top-ups paid | Lower-income adults and seniors | Confirm your PayNow-NRIC is set up |
| Nov | Third BTO exercise, moved from October (about 7,960 flats left in the year's plan) | Flat hunters | Apply if a project fits |
| Dec (31st) | SRS and CPF cash top-up cutoff for YA2027 relief | Taxpayers, especially higher earners | Top up before the bank cutoff, not on the day |
| Jan 2027 (31st) | Property tax due for the year | Property owners | Pay, or spread it over GIRO instalments |
| Monthly | Singapore Savings Bonds application window | Cash savers | Apply in the first few days of the month |
| Fortnightly | 6-month T-bill auctions; 1-year T-bill quarterly | Cash savers | Submit a bid before the auction closes |
For Year of Assessment 2026, individual income tax e-filing opened on 1 March 2026 and closed on 18 April 2026, and the paper deadline was 15 April. The 2027 dates come from IRAS early next year. If your annual income is below S$22,000 and the Inland Revenue Authority of Singapore has not told you to file, you are off the hook, unless you had net self-employment profit above S$6,000, but check the No-Filing Service and the filing checker rather than assuming.
The Notice of Assessment (your final bill) usually arrives between May and September, and payment is due within one month of that date. You can spread it across up to 12 interest-free GIRO instalments if you sign up in time. Late filing can draw a composition fine of up to S$1,000 from IRAS, so the calendar entry that matters is 18 April, not the day the bill lands.
Before you file, run the numbers on what your reliefs are worth. Our income tax calculator shows your bill at each relief level, and our income tax filing guide walks through the reliefs people most often forget to claim.
This is the most valuable date on the whole calendar and the one people miss most. Contributions to the Supplementary Retirement Scheme (SRS) and cash top-ups to your CPF both reduce your taxable income, but only if the money reaches the account by 31 December. Do it on 2 January and the relief slips a full year to Year of Assessment 2028.
SRS relief is capped at S$15,300 a year for Singapore citizens and permanent residents, and S$35,700 for foreigners. CPF cash top-ups under the Retirement Sum Topping-Up scheme give relief of up to S$8,000 for your own account plus another S$8,000 for top-ups to family members' accounts. Both count toward the overall S$80,000 personal income tax relief cap, so there is a ceiling on how much you can stack.
One practical trap: banks and brokers process transfers in batches, and the year-end queue is long. Aim to send the money by mid-to-late December, not on the 31st, so a slow transfer does not push it into the next year. If you are weighing which account to feed first, our SRS versus CPF top-up comparison lays out the trade-offs, and the SRS calculator estimates the tax you would save at your income.
| Top-up | Annual relief cap | Locked up until | Best for |
|---|---|---|---|
| SRS (citizen / PR) | S$15,300 | Statutory retirement age (penalty if early) | Higher earners wanting flexible, investable relief |
| SRS (foreigner) | S$35,700 | Statutory retirement age (penalty if early) | Foreigners with high income and no CPF |
| CPF cash top-up, own account | S$8,000 | Retirement (paid out via CPF LIFE) | Guaranteed CPF interest, long horizon |
| CPF cash top-up, family | S$8,000 | The recipient's retirement | Topping up parents' or spouse's accounts |
Most of these arrive without you lifting a finger if you are an eligible citizen who has signed up before, so the calendar job is knowing the size and timing. The headline one is the GST Voucher cash payout in August 2026.
For GST Voucher cash, about 1.5 million adults receive S$850 if their home's Annual Value is up to S$21,000, or S$450 if it is between S$21,001 and S$31,000, provided their assessable income for YA2025 was S$39,000 or below and they own no more than one property. Payments started on 7 August 2026 for those who had signed up before and linked PayNow to their NRIC by 28 July (MOF). Around 710,000 seniors also got a MediSave top-up of up to S$450, credited automatically in August.
CDC vouchers continue to be disbursed in tranches during the year and are spendable at participating heartland merchants and supermarkets. These carry an expiry date, so check your live balance at the official CDC Vouchers site rather than letting them lapse at year-end.
If you park cash, two recurring windows are worth a standing reminder. Singapore Savings Bonds open for application at 6pm on the first business day of every month and close at 9pm on the fourth-last business day, with results near the end of the month, and they let you exit any month with no penalty. Six-month T-bills are auctioned roughly every fortnight, and the 1-year T-bill about once a quarter, all announced by the Monetary Authority of Singapore a few days before each date.
Both are backed by the Singapore Government and settle through your CDP or SRS account, but they behave differently on rates and flexibility. If you are deciding where a lump of cash should sit, our SSB versus T-bill versus fixed deposit comparison breaks down the yield, lock-in and access differences so you can match the tool to when you will need the money.
Update, 13 October 2026: HDB now holds the year's third BTO exercise in November 2026, not October as first planned. HDB planned about 19,600 Build-To-Order flats across three 2026 exercises, June's projects were in Ang Mo Kio, Bishan, Bukit Merah, Sembawang and Woodlands, and HDB lists November's in Bedok, Geylang, Sembawang, Tengah, Toa Payoh and Yishun. The February exercise put out 4,692 BTO flats and June 6,952, which leaves about 7,960 for November. More than 4,000 of the year's flats have shorter waiting times of under three years.
Because each exercise is competitive, treat the launch month as a decision deadline, not a browsing session. You need a valid HDB Flat Eligibility letter, or an application for one lodged before the exercise, to apply. Work out your budget before applications open using the BTO affordability calculator so you are bidding on projects you can actually finance.
On the ownership side, property tax for the year is billed in December and due by 31 January 2027. You can pay in one go or spread it over up to 12 interest-free GIRO instalments; setting up GIRO once removes this date from your worry list permanently.
The point of a calendar is to stop relying on memory. Three moves cover almost everything above. Put two hard reminders in your phone now: mid-December for the SRS and CPF top-up, and early April for tax filing. Switch property tax and any recurring bills to GIRO so obligations pay themselves. Link PayNow to your NRIC so every government payout lands in the fastest tier automatically.
Do those three and the only dates left to actively decide on are the optional ones, the BTO launches and the bond windows, which are the fun part rather than the stressful part.
For the rest of 2026, the two that matter most are 31 December 2026, the cutoff for SRS and CPF cash top-ups that reduce your tax, and 31 January 2027 for property tax. Miss either and you lose a tax break or face a penalty. The year's other big dates, 18 April 2026 for income tax e-filing and the August 2026 GST Voucher cash payout, have passed.
For Year of Assessment 2026, e-filing opened on 1 March 2026 and closed on 18 April 2026, and the paper filing deadline was 15 April 2026. Most people file online. If your annual income is below S$22,000 and IRAS has not asked you to file, you generally do not need to, but confirm this using the IRAS filing checker rather than assuming.
31 December is the last day for SRS contributions and CPF cash top-ups to count toward the next Year of Assessment's tax relief. Contribute on 1 January instead and the relief slips a full year. Because banks process transfers in batches, send the money by mid-to-late December so a slow transfer does not miss the cutoff.
Eligible adults received S$850 in cash if their home's Annual Value is up to S$21,000, or S$450 if it is between S$21,001 and S$31,000, subject to an assessable income of S$39,000 or below for YA2025 and owning no more than one property. Seniors also receive a MediSave top-up of S$150 to S$450.
This is general financial information for Singapore, not personal financial advice. Figures change, so verify current rates against the official sources above before acting. See our full disclaimer.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).