Singapore Income Tax Calculator 2025: IRAS Rates and CPF Take-Home Pay
Work out your Singapore income tax and CPF contribution using IRAS 2025 rates, and see your take-home pay. Resident and non-resident, with earned income relief. Free and private.
Last updated: June 2026
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Take-home pay
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Low tax, but CPF takes a slice
Singapore is famous for low income tax, and this Singapore income tax calculator shows exactly how little tax most residents pay, alongside the CPF contribution that does take a real bite. Enter your salary, pick resident or non-resident, and you get your income tax, your employee CPF and your take-home pay using IRAS 2025 rates.
Income tax for residents is gently progressive. The first S$20,000 is free, and the bands climb slowly from 2% to a top rate of 22% only above S$320,000. Because each band taxes only the income inside it, a typical professional earning S$100,000 pays an effective rate in the single digits. The bigger deduction for citizens and permanent residents is CPF: 20% of your ordinary wage if you are under 55, capped at the S$8,000 monthly ceiling, with your employer adding 17% on top.
Non-residents are treated differently, taxed at the higher of a flat 15% or the resident rates on employment income, with no reliefs and no CPF. Director's fees and certain other income are taxed at 24% instead. GST of 9% applies when you spend, not when you earn, so it does not appear here. Weighing up a regional move? Compare with our Australia income tax calculator and UK income tax calculator, then plan with the budget calculator.
Disclaimer: This calculator estimates Singapore income tax and employee CPF using IRAS 2025 rates. CPF applies to citizens and PRs; many personal reliefs are not included. Verify your exact position at iras.gov.sg. Full disclaimer.
How it works
Three quick steps โ no account, nothing uploaded to a server.
Enter your salary
Type your annual gross salary and choose resident or non-resident.
Set your age band
Pick your age band so the correct CPF rate is applied.
See your take-home
Get income tax, CPF and net pay per year and per month.
Rates and rules on this page are verified against Inland Revenue Authority of Singapore (IRAS). Last checked July 2026.
FAQ
Frequently asked questions
How is income tax calculated in Singapore for 2025?
Singapore tax residents pay progressive income tax on their chargeable income using IRAS 2025 rates. The first S$20,000 is tax-free, then rates rise through bands: 2% up to S$30,000, 3.5% to S$40,000, 7% to S$80,000, 11.5% to S$120,000, and so on up to 22% above S$320,000. Only the income within each band is taxed at that band's rate, so the effective rate is well below the top marginal rate for most people. This calculator applies all eleven bands automatically.
What is CPF and how much do I contribute?
The Central Provident Fund (CPF) is Singapore's mandatory savings scheme for citizens and permanent residents. If you are under 55, you contribute 20% of your ordinary wage and your employer adds 17%, for a total of 37%. The Ordinary Wage ceiling is S$8,000 per month from January 2026, so contributions are capped above that. CPF rates step down as you get older. CPF is separate from income tax and is not paid by non-residents.
What is earned income relief?
Earned income relief is a tax relief that reduces your chargeable income before tax is calculated. For those under 55 it is S$1,000, and it is higher for older taxpayers. It is automatically granted if you have earned income from employment or a trade. This calculator subtracts the S$1,000 relief when the toggle is on, lowering your taxable income slightly. Singapore offers many other reliefs, such as for CPF top-ups and course fees, which are not included here.
How are non-residents taxed in Singapore?
If you are in Singapore for less than 183 days in a year, you are generally a non-resident for tax. Your employment income is taxed at the higher of a flat 15% or the progressive resident rates, and you do not get personal reliefs. Director's fees and certain other income are taxed at the 24% non-resident rate instead. Non-residents also do not contribute to CPF. Select 'Non-resident' to apply the flat-rate comparison in this calculator.
Is GST included in this calculator?
No. GST (Goods and Services Tax) is a consumption tax of 9% since January 2024, charged on most goods and services you buy. It is completely separate from income tax and does not affect your salary or take-home pay. This calculator covers income tax and CPF only. You pay GST when you spend, not when you earn, so it does not appear in your payslip deductions.
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