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Take-Home Pay Calculator Singapore 2026
Free Singapore take-home pay calculator for 2026: net salary after employee CPF by age, your employer's CPF, and an estimate of your yearly income tax to set aside.
Your salary
Your take-home pay each month
S$4,000
| Gross salary | S$5,000 |
| Your CPF | − S$1,000 |
| Take-home pay | S$4,000 |
| Your employer also pays CPF | S$850 |
| Estimated income tax for the year | S$1,320 |
| Set aside each month for tax | S$110 |
💡 Singapore does not deduct income tax from your salary. You pay it the next year after IRAS sends your bill, so it helps to set aside the monthly amount above.
How we worked it out
CPF uses the 2026 rates for your age, on ordinary wages up to S$8,000 a month. The tax estimate treats you as a tax resident and uses income of S$65,000 a year (including bonus), minus Earned Income Relief (S$1,000) and your CPF (S$13,000). Other reliefs, like for a spouse, children or parents, would lower it.
An estimate for a full-time employee. First- and second-year PRs pay lower graduated CPF rates. Non-residents are taxed differently; use our income tax calculator. Not legal, tax or financial advice. 🔒 Everything stays on your device.
✅ Rules last checked:
📚 Official sources: CPF Board · IRAS
We build every tool from the official rules and re-check them when they change. Always confirm with the official source before you rely on a result.
🛠️ Spotted a mistake or an out-of-date rule? Tell us
Questions people ask
How much is my take-home pay in Singapore?+
For a citizen or PR aged 55 and below, take-home pay is your gross salary minus 20% employee CPF (on salary up to S$8,000). For example S$5,000 gross gives S$4,000 take-home.
Is income tax deducted from my salary in Singapore?+
No. Unlike most countries, employers do not withhold tax from resident employees' pay. IRAS sends a tax bill the following year, which you can pay in up to 12 monthly instalments by GIRO.
Do foreigners have CPF deducted?+
No. Foreigners on a work pass do not pay CPF, so their take-home pay is their gross salary (they still pay income tax).