Take-Home Pay Calculator
See exactly what lands in your bank account each month after CPF and income tax. Enter your gross salary and age to estimate your net pay using in-force 2026 CPF rates and YA2026 tax brackets.
Your ordinary monthly wage before CPF and tax. Default is the SingStat median full-time resident income.
Determines your CPF employee contribution rate (20% up to age 55, then lower).
Monthly take-home pay
$4,489.93
$53,879 per year after CPF and income tax
Gross monthly
$5,775.00
Employee CPF (20.0%)
$1,155.00
Income tax / month
$130.07
Gross annual
$69,300
Annual income tax
$1,561
Effective tax rate
2.25%
Tax as a share of gross pay
| Gross monthly salary | $5,775.00 |
| Less: Employee CPF (20.0%) | -$1,155.00 |
| Less: Income tax | -$130.07 |
| Net take-home pay | $4,489.93 |
Income tax is an annual figure (charged on your chargeable income of $54,440) shown here divided evenly across 12 months. Your employer also contributes CPF on top of your salary, which is not deducted from take-home pay.
Estimates only for a Singapore tax resident with no extra reliefs beyond Earned Income Relief and the CPF deduction. Assumes ordinary wages only (no bonus / AW) and SC/SPR full CPF rates. Verify against IRAS and CPF before relying on these figures.
From gross salary to take-home pay
Your headline salary is not what you actually receive. In Singapore, two deductions stand between gross pay and the cash in your account: your employee CPF contribution and income tax. This calculator works out both and shows your true monthly and annual net pay.
Step 1 — Employee CPF
For employees aged 55 and below, 20% of your monthly wage goes into your CPF accounts, charged on the first $8,000 a month (the final Ordinary Wage ceiling, reached in 2026). The rate tapers with age. This is your money — it funds your housing, healthcare and retirement — but it is taken out before you see your salary, so it reduces take-home pay.
Step 2 — Income tax
Singapore taxes residents on a progressive schedule. Your chargeable income is your gross annual pay less your CPF contribution and Earned Income Relief, and tax is then charged band by band — 0% on the first $20,000, rising to higher rates only on income above each threshold. The result is divided across 12 months here for an at-a-glance monthly figure.
For a deeper look at your tax bill, use our income tax calculator; to see your full CPF split across the OA, SA and MediSave accounts, try the CPF contribution calculator.
Frequently asked questions
How is take-home pay calculated in Singapore?
Your net pay is your gross salary minus your employee CPF contribution and your income tax. CPF is deducted monthly, while income tax is an annual amount based on your chargeable income — this calculator spreads the tax evenly across 12 months so you can see a monthly net figure.
How much CPF is deducted from my salary?
If you are aged 55 or below, the employee share is 20% of your ordinary wages, charged on the first $8,000 a month (the 2026 Ordinary Wage ceiling). The rate steps down with age — 18% for ages 55–60, 12.5% for 60–65, and lower thereafter. Your employer pays a further 17% (for under-55s) on top of your salary.
Does this include income tax reliefs?
It applies the two reliefs that almost every employee gets automatically: the compulsory CPF deduction and Earned Income Relief ($1,000 if you are under 55). It does not add personal reliefs such as spouse, child, parent or top-up reliefs — those would lower your tax further, so your actual tax may be a little lower than shown.
Is there a tax rebate for YA2026?
No. A 50% Personal Income Tax Rebate applied for YA2024 and 60% (capped at $200) for YA2025, but no rebate has been announced for YA2026, so this calculator does not assume one.