Singapore salary calculator (take-home + CPF)
By MoneyBees
Enter your monthly salary, bonus, age and residency. You see what reaches your bank each month after CPF, your yearly income tax, your employer's CPF on top and the OA, SA or RA and MediSave split, on 2026 or 2027 CPF rates and current IRAS tax rates.
Calculator
Your pay in 2026
The figure on your offer letter, before CPF.
CPF rates drop after 55, 60, 65 and 70.
From 1 Jan 2027, CPF rates rise for workers above 55 to 65.
CPF relief and Earned Income Relief are already counted. Add SRS, parent or child reliefs here.
Paid into your bank
$4,000
a month, after $1,000 CPF
Income tax
$1,600
YA2027 bill, 2.29% of pay
Take-home a year
$54,400
$4,533 a month after tax
Where $70,000 goes
- Take-home
- $54,400
- Your CPF
- $14,000
- Income tax
- $1,600
- Employer CPF on top
- $11,900
- Cost to your employer
- $81,900
Your CPF for the year, by account
| Account | Amount |
|---|---|
| Ordinary Account | $16,102 |
| Special Account | $4,198 |
| MediSave Account | $5,600 |
Your $14,000 and your employer's $11,900, split by CPF's 2026 allocation rates.
If you set aside part of it
Each month
$907
20% of $4,533
After 20 years
$332,542
at 4% a year
Of which growth
$114,942
on $217,600 put in
The return is your own assumption. For reference, the CPF Special Account pays 4% a year in Q4 2026. Investments can lose money.
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Take-home pay by salary: Singapore Citizen or PR from year 3, age 30
No bonus and no reliefs beyond CPF and Earned Income Relief.
| Monthly salary | Your CPF | In your bank | Tax a year | Take-home a month |
|---|---|---|---|---|
| $3,000 | $600 | $2,400 | $156 | $2,387 |
| $4,000 | $800 | $3,200 | $459 | $3,162 |
| $5,000 | $1,000 | $4,000 | $1,040 | $3,913 |
| $6,000 | $1,200 | $4,800 | $1,712 | $4,657 |
| $8,000 | $1,600 | $6,400 | $3,056 | $6,145 |
| $10,000 | $1,600 | $8,400 | $5,627 | $7,931 |
| $12,000 | $1,600 | $10,400 | $8,520 | $9,690 |
| $15,000 | $1,600 | $13,400 | $13,920 | $12,240 |
Worked example
A 30-year-old citizen earns S$5,000 a month and a S$10,000 bonus in 2026. CPF takes 20%: S$1,000 a month, so S$4,000 reaches the bank, and S$2,000 comes off the bonus. The year's CPF is S$14,000 from you and S$11,900 from the employer. Tax for YA2027 is on S$55,000 after CPF relief and S$1,000 Earned Income Relief, which comes to S$1,600. Take-home for the year is S$54,400, about S$4,533 a month.
How it is worked out
- CPF uses the rates from 1 January 2026: 20% from you and 17% from your employer up to 55, on salary up to S$8,000 a month, rounded the way CPF Board rounds it. From 2027 the rates for ages above 55 to 65 are higher.
- Your bonus gets CPF up to the Additional Wage ceiling, S$102,000 minus your capped salary for the year.
- Income tax is not taken from your pay each month. IRAS bills you the following year, so 2026 pay is taxed in YA2027 and 2027 pay in YA2028, both on the current resident rates.
- Foreigners do not pay CPF. Non-residents pay 15% or resident rates on employment income, whichever is more.
Sources
Figures checked 3 Oct 2026.
- CPF Board: CPF contribution rate tables from 1 January 2026 (PDF)
- CPF Board: CPF allocation rates from 1 January 2026 (PDF)
- CPF Board: CPF contribution rate tables from 1 January 2027 (PDF, checked 5 Oct 2026)
- CPF Board: CPF allocation rates from 1 January 2027 (PDF, checked 5 Oct 2026)
- IRAS: individual income tax rates (from YA 2024 onwards)
- IRAS: CPF relief for employees
Frequently asked questions
How is take-home pay worked out in Singapore?
Your employer deducts your CPF from each month's salary. For a citizen aged 55 or under that is 20% of salary up to S$8,000. Income tax is not deducted from pay. IRAS sends a bill the following year, so to know what you really keep, take the yearly tax off your pay after CPF.
What is the take-home pay on S$5,000 a month?
For a citizen aged 30 with no bonus, CPF takes S$1,000 a month, so S$4,000 reaches the bank. Income tax on the year's pay comes to about S$1,040 for YA2027, which leaves about S$3,913 a month after tax.
What is the take-home pay on S$8,000 a month?
For a citizen aged 30 with no bonus, CPF takes S$1,600 a month, the most at the S$8,000 ceiling, so S$6,400 reaches the bank. Yearly tax is about S$3,056, which leaves about S$6,145 a month after tax.
Why does my take-home rise faster above S$8,000?
CPF stops at S$8,000 of monthly salary in 2026. On S$10,000 a month, a citizen aged 30 still pays S$1,600 in CPF, so S$8,400 reaches the bank. Every dollar above S$8,000 is paid to you in cash, before income tax.
How much does my employer pay in CPF?
For employees aged 55 and under, 17% on top of salary up to S$8,000 a month. On S$5,000 a month that is S$850, or S$10,200 a year. It goes into your CPF accounts and does not appear in your bank pay.
How is CPF taken from my bonus?
At the same rate as your salary, but only up to the Additional Wage ceiling: S$102,000 minus the salary that attracted CPF that year. On S$5,000 a month, the first S$42,000 of bonus gets CPF.
Do foreigners pay CPF?
No. Employment Pass and S Pass holders do not pay CPF, so their pay reaches the bank in full. They still pay income tax, at resident rates if they are in Singapore for 183 days or more in the year.
How much CPF do new PRs pay?
Less for the first two years. A PR aged 55 or under pays 5% in the first year and 15% in the second, against 20% from the third year. Choose the PR year in the calculator to see the take-home.
How we calculate this
- CPF comes off your monthly salary first. We use CPF Board's table for the year you pick: up to age 55, 20% from you and 17% from your employer, on salary up to the S$8,000 Ordinary Wage ceiling. From 2027 the rates for ages above 55 to 65 are higher. Source: CPF Board: CPF contribution rate tables from 1 January 2026 (PDF)
- The bonus is treated as one Additional Wage paid in a single month. It attracts CPF up to the Additional Wage ceiling: S$102,000 minus your capped salary for the year. Source: CPF Board: CPF contribution rate tables from 1 January 2026 (PDF)
- Your CPF for the year is 11 normal months plus the bonus month. Your employer's share is the total minus yours.
- Income tax is worked on the year's pay. We take off CPF relief, which is the CPF you paid, and Earned Income Relief, plus any other reliefs you enter. The rest is taxed band by band on IRAS resident rates. Source: IRAS: CPF relief for employees
- IRAS bills the tax the following year, so 2026 pay is taxed in YA2027 and 2027 pay in YA2028. Both use today's resident rates. Source: IRAS: individual income tax rates (from YA 2024 onwards)
- The CPF going into your accounts, yours and your employer's, is split with CPF Board's allocation ratios for your age: MediSave first, then the Special or Retirement Account, and the Ordinary Account gets the rest. Source: CPF Board: CPF allocation rates from 1 January 2026 (PDF)
- Foreigners pay no CPF. Non-residents get no reliefs and pay 15% or resident rates on employment income, whichever is more.
Rounding
CPF follows CPF Board's rounding: the total to the nearest dollar, your share rounded down to the dollar, and your employer pays the difference. Tax is shown to the nearest dollar. The monthly take-home after tax is the yearly figure divided by 12.
Worked example: the default case
- A citizen aged 30 earns S$5,000 a month and a S$10,000 bonus in 2026, with no other reliefs.
- Each normal month: 20% of S$5,000 = S$1,000 CPF from you, so S$4,000 reaches your bank. Your employer adds S$850.
- Bonus month: CPF is worked on S$15,000. The bonus is under the S$42,000 Additional Wage ceiling, so all of it counts. The total is 37% = S$5,550, of which S$3,000 is yours and S$2,550 your employer's.
- The year: you pay 11 x S$1,000 + S$3,000 = S$14,000. Your employer pays 11 x S$850 + S$2,550 = S$11,900.
- Tax for YA2027: S$70,000 minus S$14,000 CPF relief and S$1,000 Earned Income Relief leaves S$55,000. Tax is S$550 on the first S$40,000 plus 7% of S$15,000, S$1,600 in all.
- Take-home: S$70,000 - S$14,000 - S$1,600 = S$54,400 a year, about S$4,533 a month.
- Your CPF accounts get S$25,900: S$5,599.58 to MediSave, S$4,198.39 to the Special Account and S$16,102.03 to the Ordinary Account. Your employer's total cost is S$81,900.
What this calculator does not cover
- A salary that changes during the year, or a bonus paid over several months.
- Allowances, benefits in kind and share awards, which can be taxable.
- Tax rebates, and reliefs you do not enter.
- Self-Help Group contributions and other deductions your employer makes from pay.
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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).