By MoneyBees
Work out your YA 2026 NSman relief as an NSman, wife or parent, and the income tax it saves at your own tax rate after the S$80,000 relief cap.
In-camp training and other ORNS activities in the work year, not the calendar year.
Your own income. A wife or parent saves at her or his own rate.
Earned income, CPF, parent relief and the rest.
NSman relief
$3,000
NSman, did NS activities
Tax it saves
$210
at a 7% top rate
Tax payable, YA 2026
$1,040
on $47,000 chargeable income
IRAS grants this from MINDEF, SPF and SCDF records. You do not claim it in your tax return.
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Based on NS activities from 1 Apr 2025 to 31 Mar 2026.
| NS activities in the work year | NSman | Key appointment holder |
|---|---|---|
| No | $1,500 | $3,500 |
| Yes | $3,000 | $5,000 |
Wife relief and parent relief: $750 each. Ex-NSmen above the statutory age get the base S$1,500. Source: IRAS.
You did your in-camp training in 2025. Your 2025 income is S$60,000 and your other reliefs are S$10,000, so your chargeable income before NSman relief is S$50,000.
NSman relief of S$3,000 brings it to S$47,000. All of that S$3,000 sits in the 7% band, so you save S$210 and pay S$1,040.
On 3 Sep 2026 MINDEF and IRAS said a system error gave about 15,000 people the wrong NSman relief for YA 2025 and YA 2026. IRAS sent revised notices of assessment. Most changes are under S$200 and you need not do anything.
Figures checked 3 Oct 2026.
S$1,500 if you did no NS activities in the work year and S$3,000 if you did. Key command and staff appointment holders get S$3,500 and S$5,000. Wives and parents of NSmen get S$750.
The work year from 1 April to 31 March. For YA 2026 that is 1 Apr 2025 to 31 Mar 2026, not the 2025 calendar year. In-camp training in early 2026 still counts.
No. IRAS grants it from records sent by MINDEF, SPF and SCDF. Activities from January to March may reach IRAS after you file, and a revised bill follows.
No. A mother whose husband and son are both NSmen gets S$750 once. A father who is an NSman with an NSman son gets self or parent relief, whichever is higher.
No. Parent relief is S$750 per parent no matter how many children are NSmen. Each parent must be a Singapore Citizen in the year before.
Yes. The widow of an NSman can keep the relief unless she remarries. Parents of a deceased NSman can also get parent relief.
Regulars of MINDEF, SPF, SCDF, CNB and SPS, and NSmen who committed a disciplinary or criminal offence in the work year. You must also have completed full-time NS.
MINDEF found a system error in NS activity records. On 3 Sep 2026 it and IRAS said about 15,000 people had the wrong NSman relief for YA 2025 and YA 2026. IRAS sent revised notices; most changes are under S$200.
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).