By MoneyBees
Compare two job offers in Singapore on what each pays you in a year: basic salary, allowances, AWS and bonus, then CPF and income tax on 2026 or 2027 rules, your commute and your leave. See which offer leaves you more cash and more CPF, and by how much.
From 1 Jan 2027, CPF rates rise for workers above 55 to 65.
Offer A
Offer B
Offer B vs A, cash a year
+$3,036
after CPF, tax and commute
CPF difference
+$2,405
yours and your employer's
Leave difference
+4 days
worth about $1,015 at B's day rate
| Offer A | Offer B | |
|---|---|---|
| Gross pay | $65,000 | $71,500 |
| Your CPF | $13,000 | $14,300 |
| Income tax | $1,320 | $1,684 |
| Take-home cash | $50,680 | $55,516 |
| Commute | $1,200 | $3,000 |
| Cash after commute | $49,480 | $52,516 |
| Employer CPF | $11,050 | $12,155 |
| Cash plus all CPF | $73,530 | $78,971 |
| Annual leave | 14 days | 18 days |
Counting cash after commute and both sides of CPF, offer B puts $5,441 more a year in your hands and CPF accounts. Of the $6,500 gap in gross pay, CPF and tax take part, and the commute takes $1,800 more at B.
Tax is for a full year at one job, with only CPF relief and Earned Income Relief. If you switch mid-year, both employers' pay is added up for that year's tax.
Leave your email and we'll save this scenario so a MoneyBees adviser can follow up.
Or book a free chat if you'd rather talk it through.
You are a citizen aged 30. Offer A pays S$5,000 a month with a 1-month AWS, 14 days' leave and a S$100 commute. Offer B pays S$5,500 with AWS, 18 days' leave and a S$250 commute.
A year at A is S$65,000 gross. You pay 20% CPF, S$13,000, and S$1,320 tax, leaving S$50,680. B is S$71,500 gross, S$14,300 CPF and S$1,684 tax, leaving S$55,516. After the commute, S$1,200 against S$3,000, B leaves you S$3,036 more cash. Your employer adds 17% CPF: S$1,105 more at B. B also gives 4 more days of leave, worth about S$1,015 at 12 x S$5,500 / 260 a day.
CPF Board counts fixed allowances such as transport, housing and monthly meal allowances as wages, so CPF is due on them. AWS and bonuses are additional wages. Employee and employer CPF stop at the S$8,000 monthly ceiling, so above it a higher salary is all cash and tax.
Figures checked 3 Oct 2026.
Put both offers on a full year: basic salary, fixed allowances, AWS and expected bonus. Take off your CPF and income tax to get take-home cash, then subtract what each commute costs you. Add employer CPF and compare leave days, since both are part of what the job gives you.
Not always. A smaller AWS or bonus, a longer commute or fewer leave days can cancel out a higher monthly salary. The table shows each part so you can see where the gap comes from.
Fixed monthly allowances such as transport, housing and meal allowances count as wages for CPF, according to CPF Board's list of allowances and payments. Reimbursements for official travel do not.
With MOM's gross rate of pay for a day, worked on basic salary because MOM leaves out travel, food and housing allowances: 12 x monthly basic pay / (52 x days worked a week). On a 5-day week and S$5,500 a month, a day is worth about S$253.85.
It is not cash in hand, but it goes into your own CPF accounts. The employer rate is 17% for most employees aged 55 and below, so a higher salary also means more employer CPF, up to the S$8,000 monthly ceiling.
At the IRAS resident rates for a full year, after CPF relief and Earned Income Relief. If you have other reliefs your tax will be lower; the income tax calculator lets you add them.
Your income tax for the year counts pay from both employers, and CPF is worked out on each month's wages. The yearly figures here show what each job pays over 12 months.
These calculators provide general estimates for educational purposes only and are not personalised financial advice. Results may rely on rates and rules that change over time, so verify against official sources (IRAS, CPF Board, HDB, MAS) or consult a licensed financial adviser before making decisions.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).