See what lands in your bank account after CPF, what your employer adds on top, and how much income tax to set aside, using the 2026 CPF rates.
Your take-home pay is your gross salary minus your own CPF contribution. For a Singapore citizen aged 55 or below, that contribution is 20% of your monthly salary, so a $5,000 salary pays $4,000 into your bank account. Your employer pays a further 17% into CPF on top of your salary, which never appears in your pay but counts as your money: it goes to your Ordinary, Special and MediSave accounts.
Income tax is not deducted from your pay. Residents are taxed a year in arrears: income earned in 2026 is assessed in 2027, and you pay IRAS directly, in one sum or by GIRO. That is why the calculator shows a second figure, your monthly pay after setting aside tax, which is the amount you can safely spend.
For a citizen aged 30 with a one-month AWS and no reliefs beyond CPF and earned income relief:
| Monthly salary | Employee CPF | Take-home | Employer CPF | Income tax/yr |
|---|---|---|---|---|
| $3,000 | $600 | $2,400 | $510 | $207 |
| $4,000 | $800 | $3,200 | $680 | $592 |
| $5,000 | $1,000 | $4,000 | $850 | $1,320 |
| $6,000 | $1,200 | $4,800 | $1,020 | $2,048 |
| $8,000 | $1,600 | $6,400 | $1,360 | $3,649 |
| $10,000 | $1,600 | $8,400 | $1,360 | $6,639 |
Rates for citizens and PRs from their third year, on monthly wages above $750. They fall from age 56 to reflect that older workers are closer to drawing on their savings.
| Age | Employee | Employer | Total |
|---|---|---|---|
| 55 and below | 20% | 17% | 37% |
| 56 to 60 | 18% | 16% | 34% |
| 61 to 65 | 12.5% | 12.5% | 25% |
| 66 to 70 | 7.5% | 9% | 16.5% |
| Above 70 | 5% | 7.5% | 12.5% |
Below $750 a month, the employee share is phased in, and below $500 only the employer contributes. First- and second-year PRs pay lower graduated rates unless they and their employer apply to contribute at full rates.
Only the first $8,000 of monthly salary attracts CPF. Above that, every extra dollar goes straight to take-home pay, which is why employee CPF stops at $1,600 a month. Bonuses and AWS attract CPF up to an annual wage ceiling of $102,000, minus the ordinary wages that already attracted CPF during the year. On an $8,000 salary, only $6,000 of bonus a year attracts CPF; the rest is paid out in full.
The estimate starts from your salary and bonus, subtracts your employee CPF (CPF relief), earned income relief ($1,000 below 55, $6,000 from 55 and $8,000 from 60) and any other reliefs you enter, subject to the $80,000 cap on total reliefs. It then applies the resident tax brackets. It leaves out one-off rebates announced in the Budget and deductions such as donations, so your actual bill may be a little lower.
This tool provides educational estimates only, not tax or licensed financial advice. It uses CPF Board contribution rates from 1 January 2026 for private-sector employees and IRAS resident tax rates. Always confirm your figures against your payslip, the CPF contribution calculator and your IRAS notice of assessment.
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For Singapore citizens and PRs from their third year, aged 55 and below, the employee pays 20% of monthly wages and the employer adds 17%, for 37% in total. Only the first $8,000 of monthly salary counts, so the most you pay each month is $1,600. Rates are lower from age 56, and for first- and second-year PRs.
Yes. Bonuses and AWS are additional wages and attract CPF at the same rates, up to the annual wage ceiling of $102,000 minus the ordinary wages that attracted CPF that year. If your monthly salary is $8,000 or more, only $6,000 of bonus a year attracts CPF.
No. Singapore employers do not withhold income tax for residents. You pay it the following year after IRAS sends your notice of assessment, in one sum or by GIRO in up to 12 instalments. The calculator shows a monthly amount to set aside so the bill is not a surprise.
No. Foreigners on employment passes and work permits do not contribute to CPF, so their take-home pay is their full salary. They still pay income tax, at resident rates if they are in Singapore for at least 183 days in the year.
Payslips can also deduct self-help group contributions (CDAC, MBMF, SINDA or ECF, usually a few dollars a month), unpaid leave or claims. This calculator covers CPF and income tax only, using the CPF Board rounding rules.
Basic salary plus fixed allowances, before your CPF deduction
E.g. 1 for a 13th-month AWS only, 2.5 for AWS plus a 1.5-month bonus
SRS, CPF cash top-ups, parent, child or course fee reliefs. CPF and earned income relief are added automatically.
CPF Board rates from 1 January 2026: 20% employee and 17% employer (37% in total) on wages up to the $8,000 ordinary wage ceiling. Income tax uses resident rates for income earned in 2026.
Monthly take-home pay after CPF
$4,000
$5,000 salary minus $1,000 employee CPF. Income tax is billed separately the following year.
Ordinary (OA)
$1,150
Special (SA)
$300
MediSave (MA)
$400
Your employer also pays $11,050 of CPF a year, so your total cost to them is about $76,050. Project where your CPF ends up by 55.