SavyitSavyit / Free tools / Singapore take-home pay calculator 2026
Singapore take-home pay calculator 2026
Your monthly pay after CPF, and how much to set aside each month for next year's income tax bill.
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Get Savyit freeHow it's calculated
From 1 January 2026, employees aged 55 and below pay 20% of monthly salary into CPF, on pay up to S$8,000.00 a month. Older workers pay less: 18% above 55 to 60, 12.5% above 60 to 65. Bonuses also attract CPF up to an annual ceiling of S$102,000.00.
Income tax isn't taken from your pay in Singapore. IRAS bills you the following year, so the calculator shows it as a monthly amount to set aside. Your CPF contributions and earned income relief come off before tax.
S$6,000.00 a month, broken down
| Monthly | Yearly | |
|---|---|---|
| Salary (+1 month bonus) | S$6,000.00 | S$72,000.00 |
| Employee CPF | −S$1,200.00 | −S$14,400.00 |
| Income tax (set aside) | −S$142.67 | −S$1,712.00 |
| Yours to spend | S$4,657.33 | S$55,887.96 |
Take-home by salary (age 55 and below, no bonus)
| Monthly salary | After CPF | Tax / year | Spendable / month |
|---|---|---|---|
| S$3,000 | S$2,400.00 | S$156.00 | S$2,387.00 |
| S$4,000 | S$3,200.00 | S$459.00 | S$3,161.75 |
| S$5,000 | S$4,000.00 | S$1,040.00 | S$3,913.33 |
| S$6,000 | S$4,800.00 | S$1,712.00 | S$4,657.33 |
| S$7,000 | S$5,600.00 | S$2,384.00 | S$5,401.33 |
| S$8,000 | S$6,400.00 | S$3,056.00 | S$6,145.33 |
| S$10,000 | S$8,400.00 | S$5,627.00 | S$7,931.08 |
| S$12,000 | S$10,400.00 | S$8,520.00 | S$9,690.00 |
| S$15,000 | S$13,400.00 | S$13,920.00 | S$12,240.00 |
What that take-home means per day
Split S$4,657.33 a month with the 50/30/20 rule. The wants slice is the one to watch: it's your daily fun money.
Tax year 2026. An estimate for planning, not tax advice: your payslip can differ with tax codes, benefits, pension schemes and credits we don't model. Rates from the official source.
Questions
How much CPF do I pay in 2026?
20% of your monthly salary if you're 55 or younger, on salary up to $8,000 a month, so at most $1,600. Your employer adds 17%.
What is my take-home on $5,000 a month?
S$4,000.00 after CPF if you're 55 or younger. Set aside about S$86.67 a month for income tax.
Does this work for foreigners on an Employment Pass?
Foreigners don't pay CPF. Their take-home is the full salary, and income tax works the same way for tax residents.
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Estimates for planning, not financial advice. Everything is calculated in your browser; nothing you type is sent anywhere. Updated 2026-10-29.