By MoneyBees
Compare two job offers on a year's pay: basic salary, allowances, AWS and bonus after CPF and income tax on 2026 rules, with your commute and leave days counted.
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: 12 x monthly gross 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.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).