Singapore reliefs and benefits
Only standard earned income relief is included. No benefit entitlement is calculated.
TaxCalcy.
Singapore · Central
Know what you keep.
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Choose a country and enter your income. See your take-home pay in seconds.
Let’s start with your income.Your income, clearly.
Customize your estimate
Your estimated take-home · SGD
SGD 6,766/ month
Your take-home, calculatedCentralSGD
You keep
2026 / YA 2027
SGD 6,766 / month
That’s SGD 81,190 per year, or 95.5% of your gross income.
Your pay splitMonthly view
For every SGD 1 of income, about SGD 0.96 goes to you.
View take-home as
- Gross / month
- SGD 7,083
- Take-home
- SGD 6,76695.5%
- Income tax
- SGD 3184.5%
- Gross income
- SGD 85,000
- 100%
- Total deducted
- SGD 3,810
- 4.5%
- Estimated take-home
- SGD 81,190
- 95.5%
Where the SGD 3,810 goes
SGD 3,810Total deducted4.5%of gross income
| Deduction | Annual amount | % of gross |
|---|---|---|
| National / federal tax | SGD 3,810 | 4.5% |
Scroll horizontally to view the chart and all table columns.
Benefits are separate. Before any planned post-tax savings.
Explore contribution tax savings
Contribution tax savings
See what contributions could save you.
Add a supported deductible contribution above to see its estimated tax saving and net cost.
- Tax savings so far
- SGD 0
- Net cost after tax savings
- SGD 0
Only supported deductible contributions reduce the modeled income tax. Available after planned savings: SGD 81,190 / year. Employer contributions and investment returns are not included.
Explore benefit programs · separate from take-home
Beyond your paycheque
Benefits you may be eligible for.
These are not included in your take-home estimate. Review the official eligibility details for each program.
View benefit programs
The details behind the number
Current estimate: sources and assumptions
See the calculation, assumptions and limits behind your estimate.
Model period 2026 (YA 2027)Reviewed 2026-09-26Use Planning, not filing
Salary planning estimate · Coverage and limitations below.
How your take-home was calculatedIncome, deductions, tax and payroll
This is an annual estimate. We retain internal precision and round displayed amounts, so payroll withholding can differ slightly.
Annual calculation · SGD
The full trace retains each modeled income and taxable-income base, adjustment and tax credit.
- Estimated chargeable income for YA 2027
- SGD 84,000.00
- National / federal tax after modeled relief
- SGD 3,810.00
Employee payroll deductions
- CPF employee contribution - confirmed foreigner exemption
- SGD 0.00
Result reconciliation
- Annual gross income
- SGD 85,000.00
- Income tax
- SGD 3,810.00
- Employee payroll contributions
- SGD 0.00
- Planned contributions
- SGD 0.00
- Total deducted
- SGD 3,810.00
- Annual take-home
- SGD 81,190.00
- Post-tax savings
- SGD 0.00
- Available after savings
- SGD 81,190.00
Take-home = gross income − income tax − employee payroll contributions − planned contributions. Post-tax savings are deducted separately from available income. Display rounding can cause small differences.
Sources, assumptions and limitsModel coverage, assumptions and reference sources
Planning and coverage
This is a planning estimate, not a filing-ready calculation. Coverage is incomplete; review the applicable restrictions below. Benefits are not included in take-home.
Estimate notes and warnings
- Income earned 1 January-31 December 2026 is assessed in YA 2027. This uses current enacted resident rates from YA 2024 onwards; a later amendment or YA-specific rebate requires a reviewed update.
- You confirmed tax residency and that you were neither a Singapore citizen nor a permanent resident throughout the income year. Tax residency does not establish CPF status.
- Only standard earned income relief for your age at 31 December 2026 is modeled. SRS, disability/household reliefs, benefits in kind, other deductions and non-resident treatment are excluded.
- Income tax is an annual planning reserve, not an automatic monthly salary withholding. Tax clearance, payment timing and final assessment rounding are not modeled. All five region selections use national rules.
4coverage items
3limitations
4reference sources
Coverage
- 2026 cash salary / YA 2027 under current resident rates
- Age-based standard earned income relief capped at salary
- Confirmed non-citizen/non-PR CPF exemption throughout the income year
- Same national rules for all five exposed regions
Limitations
- Citizen/PR CPF, transition years, ordinary/additional-wage caps and bonuses for CPF
- Non-residents, disability/household relief, SRS and other deductions
- Tax-clearance withholding, final assessment rounding and future unannounced changes
Key assumptions
- You explicitly confirm tax-resident foreign employee status, no citizen/PR status during 2026 and no relief except standard earned income relief
- Age band is at 31 December 2026; no citizenship or age inferred from location
- Annual tax reserve is deducted for planning; employer costs are not deducted
Model technical details
{
"releaseId": "taxcalcy-candidate-2026-09-28.11",
"engineSchemaVersion": "1",
"approvalStatus": "NEEDS_REVIEW",
"manifestFingerprint": "9043da3a7194ce8102cb9f80e64ed981de1f2ea91f21085aa8eccab1974fe9d5",
"modelVersion": "sg-2026-ya-2027--78a0b399d90e"
}Reference sources (4)
3 of 4 reference sources shown in registry order.
Individual Income Tax rates Primary source reviewed
Non-residents, company directors and other non-salary income excluded.
SG · 2026 (YA 2027) · Resident rates from YA 2024 onwards; tax residency conditions · Reviewed 2026-09-26Earned Income Relief Primary source reviewed
Enhanced disability amounts and other personal reliefs not in declared scenario.
SG · 2026 (YA 2027) · Qualifying for relief and Amount of relief · Reviewed 2026-09-26Who should receive CPF contributions Primary source reviewed
Citizen/PR CPF, transition years, OW/AW, ceilings and employer rates unimplemented.
SG · 2026 (YA 2027) · Exemptions: Foreigners; status changes · Reviewed 2026-09-26New total salary and additional gross income are separate scenarios. They are not added together.
A little more income
How much of your next SGD 1,000 do you keep?
Explore additional annual gross income for your current tax period.
Estimated extra take-home · annualSGD 885
88.5% keptSGD 74 per month
Additional income deductions
Each scenario recalculates your full estimate, including modeled thresholds. It is not simply extra income multiplied by one tax rate.
Explore your next move
What if you earned more?
New salary: compare your current salary with a proposed annual salary.
Current annual salary: SGD 85,000
No salary change
Compare current and proposed monthly pay
Current monthly take-homeSGD 6,766
New monthly take-homeSGD 6,766
Estimated annual take-home change
SGD 0No estimated changeSGD 0 per month
Annual salary change breakdown
Annual breakdown
- Current annual gross
- SGD 85,000
- Proposed annual gross
- SGD 85,000
- Gross salary change
- SGD 0
- Tax + payroll change
- SGD 0
Positive deduction changes mean more deductions; negative means fewer. The scenario recalculates your estimate using the same model and assumptions.
The details behind the number
Current estimate: sources and assumptions
See the calculation, assumptions and sources for this estimate.
Model period 2026 (YA 2027)Reviewed 2026-09-26Use Planning, not filing
Salary planning estimate · Coverage and limitations below.
How your take-home was calculatedIncome, deductions, tax and payroll
Current annual estimate
All amounts below are SGD per year. This is the baseline calculation used to compare the two scenarios.
Income and annualization
- Income entered
- SGD 85,000.00 / annual
- Annualized gross income
- SGD 85,000.00
This is an annual estimate. We retain internal precision and round displayed amounts, so payroll withholding can differ slightly.
Annual calculation · SGD
The full trace retains each modeled income and taxable-income base, adjustment and tax credit.
- Estimated chargeable income for YA 2027
- SGD 84,000.00
- National / federal tax after modeled relief
- SGD 3,810.00
Employee payroll deductions
- CPF employee contribution - confirmed foreigner exemption
- SGD 0.00
Result reconciliation
- Annual gross income
- SGD 85,000.00
- Income tax
- SGD 3,810.00
- Employee payroll contributions
- SGD 0.00
- Planned contributions
- SGD 0.00
- Total deducted
- SGD 3,810.00
- Annual take-home
- SGD 81,190.00
- Post-tax savings
- SGD 0.00
- Available after savings
- SGD 81,190.00
Take-home = gross income − income tax − employee payroll contributions − planned contributions. Post-tax savings are deducted separately from available income. Display rounding can cause small differences.
Sources, assumptions and limitsModel coverage, assumptions and reference sources
Planning and coverage
This is a planning estimate, not a filing-ready calculation. Coverage is incomplete; review the applicable restrictions below. Benefits are not included in take-home.
Estimate notes and warnings
- Income earned 1 January-31 December 2026 is assessed in YA 2027. This uses current enacted resident rates from YA 2024 onwards; a later amendment or YA-specific rebate requires a reviewed update.
- You confirmed tax residency and that you were neither a Singapore citizen nor a permanent resident throughout the income year. Tax residency does not establish CPF status.
- Only standard earned income relief for your age at 31 December 2026 is modeled. SRS, disability/household reliefs, benefits in kind, other deductions and non-resident treatment are excluded.
- Income tax is an annual planning reserve, not an automatic monthly salary withholding. Tax clearance, payment timing and final assessment rounding are not modeled. All five region selections use national rules.
4coverage items
3limitations
4reference sources
Coverage
- 2026 cash salary / YA 2027 under current resident rates
- Age-based standard earned income relief capped at salary
- Confirmed non-citizen/non-PR CPF exemption throughout the income year
- Same national rules for all five exposed regions
Limitations
- Citizen/PR CPF, transition years, ordinary/additional-wage caps and bonuses for CPF
- Non-residents, disability/household relief, SRS and other deductions
- Tax-clearance withholding, final assessment rounding and future unannounced changes
Key assumptions
- You explicitly confirm tax-resident foreign employee status, no citizen/PR status during 2026 and no relief except standard earned income relief
- Age band is at 31 December 2026; no citizenship or age inferred from location
- Annual tax reserve is deducted for planning; employer costs are not deducted
Model technical details
{
"releaseId": "taxcalcy-candidate-2026-09-28.11",
"engineSchemaVersion": "1",
"approvalStatus": "NEEDS_REVIEW",
"manifestFingerprint": "9043da3a7194ce8102cb9f80e64ed981de1f2ea91f21085aa8eccab1974fe9d5",
"modelVersion": "sg-2026-ya-2027--78a0b399d90e"
}Reference sources (4)
3 of 4 reference sources shown in registry order.
Individual Income Tax rates Primary source reviewed
Non-residents, company directors and other non-salary income excluded.
SG · 2026 (YA 2027) · Resident rates from YA 2024 onwards; tax residency conditions · Reviewed 2026-09-26Earned Income Relief Primary source reviewed
Enhanced disability amounts and other personal reliefs not in declared scenario.
SG · 2026 (YA 2027) · Qualifying for relief and Amount of relief · Reviewed 2026-09-26Who should receive CPF contributions Primary source reviewed
Citizen/PR CPF, transition years, OW/AW, ceilings and employer rates unimplemented.
SG · 2026 (YA 2027) · Exemptions: Foreigners; status changes · Reviewed 2026-09-26The details behind the number
Additional income: calculation details
See the calculation, assumptions and sources for this estimate.
Model period 2026 (YA 2027)Reviewed 2026-09-26Use Planning, not filing
Salary planning estimate · Coverage and limitations below.
How your take-home was calculatedIncome, deductions, tax and payroll
Recalculated total-income scenario
All amounts below are SGD per year. These are complete scenario totals, not incremental take-home. The full scenario is recalculated using the same model, including supported thresholds and credits.
- Gross income change from current estimate
- SGD 1,000.00
- Take-home change from current estimate
- SGD 885.00
- Tax and payroll change from current estimate
- SGD 115.00
Income and annualization
- Income entered
- SGD 86,000.00 / annual
- Annualized gross income
- SGD 86,000.00
This is an annual estimate. We retain internal precision and round displayed amounts, so payroll withholding can differ slightly.
Annual calculation · SGD
The full trace retains each modeled income and taxable-income base, adjustment and tax credit.
- Estimated chargeable income for YA 2027
- SGD 85,000.00
- National / federal tax after modeled relief
- SGD 3,925.00
Employee payroll deductions
- CPF employee contribution - confirmed foreigner exemption
- SGD 0.00
Result reconciliation
- Annual gross income
- SGD 86,000.00
- Income tax
- SGD 3,925.00
- Employee payroll contributions
- SGD 0.00
- Planned contributions
- SGD 0.00
- Total deducted
- SGD 3,925.00
- Annual take-home
- SGD 82,075.00
- Post-tax savings
- SGD 0.00
- Available after savings
- SGD 82,075.00
Take-home = gross income − income tax − employee payroll contributions − planned contributions. Post-tax savings are deducted separately from available income. Display rounding can cause small differences.
Sources, assumptions and limitsModel coverage, assumptions and reference sources
Planning and coverage
This is a planning estimate, not a filing-ready calculation. Coverage is incomplete; review the applicable restrictions below. Benefits are not included in take-home.
Estimate notes and warnings
- Income earned 1 January-31 December 2026 is assessed in YA 2027. This uses current enacted resident rates from YA 2024 onwards; a later amendment or YA-specific rebate requires a reviewed update.
- You confirmed tax residency and that you were neither a Singapore citizen nor a permanent resident throughout the income year. Tax residency does not establish CPF status.
- Only standard earned income relief for your age at 31 December 2026 is modeled. SRS, disability/household reliefs, benefits in kind, other deductions and non-resident treatment are excluded.
- Income tax is an annual planning reserve, not an automatic monthly salary withholding. Tax clearance, payment timing and final assessment rounding are not modeled. All five region selections use national rules.
4coverage items
3limitations
4reference sources
Coverage
- 2026 cash salary / YA 2027 under current resident rates
- Age-based standard earned income relief capped at salary
- Confirmed non-citizen/non-PR CPF exemption throughout the income year
- Same national rules for all five exposed regions
Limitations
- Citizen/PR CPF, transition years, ordinary/additional-wage caps and bonuses for CPF
- Non-residents, disability/household relief, SRS and other deductions
- Tax-clearance withholding, final assessment rounding and future unannounced changes
Key assumptions
- You explicitly confirm tax-resident foreign employee status, no citizen/PR status during 2026 and no relief except standard earned income relief
- Age band is at 31 December 2026; no citizenship or age inferred from location
- Annual tax reserve is deducted for planning; employer costs are not deducted
Model technical details
{
"releaseId": "taxcalcy-candidate-2026-09-28.11",
"engineSchemaVersion": "1",
"approvalStatus": "NEEDS_REVIEW",
"manifestFingerprint": "9043da3a7194ce8102cb9f80e64ed981de1f2ea91f21085aa8eccab1974fe9d5",
"modelVersion": "sg-2026-ya-2027--78a0b399d90e"
}Reference sources (4)
3 of 4 reference sources shown in registry order.
Individual Income Tax rates Primary source reviewed
Non-residents, company directors and other non-salary income excluded.
SG · 2026 (YA 2027) · Resident rates from YA 2024 onwards; tax residency conditions · Reviewed 2026-09-26Earned Income Relief Primary source reviewed
Enhanced disability amounts and other personal reliefs not in declared scenario.
SG · 2026 (YA 2027) · Qualifying for relief and Amount of relief · Reviewed 2026-09-26Who should receive CPF contributions Primary source reviewed
Citizen/PR CPF, transition years, OW/AW, ceilings and employer rates unimplemented.
SG · 2026 (YA 2027) · Exemptions: Foreigners; status changes · Reviewed 2026-09-26The details behind the number
New salary: calculation details
See the calculation, assumptions and sources for this estimate.
Model period 2026 (YA 2027)Reviewed 2026-09-26Use Planning, not filing
Salary planning estimate · Coverage and limitations below.
How your take-home was calculatedIncome, deductions, tax and payroll
Proposed annual salary scenario
All amounts below are SGD per year. These are complete scenario totals, not incremental take-home. The full scenario is recalculated using the same model, including supported thresholds and credits.
- Gross income change from current estimate
- SGD 0.00
- Take-home change from current estimate
- SGD 0.00
- Tax and payroll change from current estimate
- SGD 0.00
Income and annualization
- Income entered
- SGD 85,000.00 / annual
- Annualized gross income
- SGD 85,000.00
This is an annual estimate. We retain internal precision and round displayed amounts, so payroll withholding can differ slightly.
Annual calculation · SGD
The full trace retains each modeled income and taxable-income base, adjustment and tax credit.
- Estimated chargeable income for YA 2027
- SGD 84,000.00
- National / federal tax after modeled relief
- SGD 3,810.00
Employee payroll deductions
- CPF employee contribution - confirmed foreigner exemption
- SGD 0.00
Result reconciliation
- Annual gross income
- SGD 85,000.00
- Income tax
- SGD 3,810.00
- Employee payroll contributions
- SGD 0.00
- Planned contributions
- SGD 0.00
- Total deducted
- SGD 3,810.00
- Annual take-home
- SGD 81,190.00
- Post-tax savings
- SGD 0.00
- Available after savings
- SGD 81,190.00
Take-home = gross income − income tax − employee payroll contributions − planned contributions. Post-tax savings are deducted separately from available income. Display rounding can cause small differences.
Sources, assumptions and limitsModel coverage, assumptions and reference sources
Planning and coverage
This is a planning estimate, not a filing-ready calculation. Coverage is incomplete; review the applicable restrictions below. Benefits are not included in take-home.
Estimate notes and warnings
- Income earned 1 January-31 December 2026 is assessed in YA 2027. This uses current enacted resident rates from YA 2024 onwards; a later amendment or YA-specific rebate requires a reviewed update.
- You confirmed tax residency and that you were neither a Singapore citizen nor a permanent resident throughout the income year. Tax residency does not establish CPF status.
- Only standard earned income relief for your age at 31 December 2026 is modeled. SRS, disability/household reliefs, benefits in kind, other deductions and non-resident treatment are excluded.
- Income tax is an annual planning reserve, not an automatic monthly salary withholding. Tax clearance, payment timing and final assessment rounding are not modeled. All five region selections use national rules.
4coverage items
3limitations
4reference sources
Coverage
- 2026 cash salary / YA 2027 under current resident rates
- Age-based standard earned income relief capped at salary
- Confirmed non-citizen/non-PR CPF exemption throughout the income year
- Same national rules for all five exposed regions
Limitations
- Citizen/PR CPF, transition years, ordinary/additional-wage caps and bonuses for CPF
- Non-residents, disability/household relief, SRS and other deductions
- Tax-clearance withholding, final assessment rounding and future unannounced changes
Key assumptions
- You explicitly confirm tax-resident foreign employee status, no citizen/PR status during 2026 and no relief except standard earned income relief
- Age band is at 31 December 2026; no citizenship or age inferred from location
- Annual tax reserve is deducted for planning; employer costs are not deducted
Model technical details
{
"releaseId": "taxcalcy-candidate-2026-09-28.11",
"engineSchemaVersion": "1",
"approvalStatus": "NEEDS_REVIEW",
"manifestFingerprint": "9043da3a7194ce8102cb9f80e64ed981de1f2ea91f21085aa8eccab1974fe9d5",
"modelVersion": "sg-2026-ya-2027--78a0b399d90e"
}Reference sources (4)
3 of 4 reference sources shown in registry order.
Individual Income Tax rates Primary source reviewed
Non-residents, company directors and other non-salary income excluded.
SG · 2026 (YA 2027) · Resident rates from YA 2024 onwards; tax residency conditions · Reviewed 2026-09-26Earned Income Relief Primary source reviewed
Enhanced disability amounts and other personal reliefs not in declared scenario.
SG · 2026 (YA 2027) · Qualifying for relief and Amount of relief · Reviewed 2026-09-26Who should receive CPF contributions Primary source reviewed
Citizen/PR CPF, transition years, OW/AW, ceilings and employer rates unimplemented.
SG · 2026 (YA 2027) · Exemptions: Foreigners; status changes · Reviewed 2026-09-26Compare locations
See how your take-home pay and tax deductions compare across different locations.
Amounts remain in their local currency. Use keep rate to compare modeled tax impact, not purchasing power.
Checking the currency reference. You can enter a salary anytime.
Customize comparison inputsCountry-specific assumptions and required records.
This release candidate supports United States estimates only for Arkansas, New Mexico and Oregon.
Tax comparison only. It does not compare cost of living, housing, healthcare, immigration or pension value. Each estimate uses the salary, tax situation, contributions and assumptions shown for that location. Review country-specific assumptions and coverage below.
The details behind the number
Current estimate: sources and assumptions
See the calculation, assumptions and limits behind your estimate.
Model period 2026 (YA 2027)Reviewed 2026-09-26Use Planning, not filing
Salary planning estimate · Coverage and limitations below.
How your take-home was calculatedIncome, deductions, tax and payroll
This is an annual estimate. We retain internal precision and round displayed amounts, so payroll withholding can differ slightly.
Annual calculation · SGD
The full trace retains each modeled income and taxable-income base, adjustment and tax credit.
- Estimated chargeable income for YA 2027
- SGD 84,000.00
- National / federal tax after modeled relief
- SGD 3,810.00
Employee payroll deductions
- CPF employee contribution - confirmed foreigner exemption
- SGD 0.00
Result reconciliation
- Annual gross income
- SGD 85,000.00
- Income tax
- SGD 3,810.00
- Employee payroll contributions
- SGD 0.00
- Planned contributions
- SGD 0.00
- Total deducted
- SGD 3,810.00
- Annual take-home
- SGD 81,190.00
- Post-tax savings
- SGD 0.00
- Available after savings
- SGD 81,190.00
Take-home = gross income − income tax − employee payroll contributions − planned contributions. Post-tax savings are deducted separately from available income. Display rounding can cause small differences.
Sources, assumptions and limitsModel coverage, assumptions and reference sources
Planning and coverage
This is a planning estimate, not a filing-ready calculation. Coverage is incomplete; review the applicable restrictions below. Benefits are not included in take-home.
Estimate notes and warnings
- Income earned 1 January-31 December 2026 is assessed in YA 2027. This uses current enacted resident rates from YA 2024 onwards; a later amendment or YA-specific rebate requires a reviewed update.
- You confirmed tax residency and that you were neither a Singapore citizen nor a permanent resident throughout the income year. Tax residency does not establish CPF status.
- Only standard earned income relief for your age at 31 December 2026 is modeled. SRS, disability/household reliefs, benefits in kind, other deductions and non-resident treatment are excluded.
- Income tax is an annual planning reserve, not an automatic monthly salary withholding. Tax clearance, payment timing and final assessment rounding are not modeled. All five region selections use national rules.
4coverage items
3limitations
4reference sources
Coverage
- 2026 cash salary / YA 2027 under current resident rates
- Age-based standard earned income relief capped at salary
- Confirmed non-citizen/non-PR CPF exemption throughout the income year
- Same national rules for all five exposed regions
Limitations
- Citizen/PR CPF, transition years, ordinary/additional-wage caps and bonuses for CPF
- Non-residents, disability/household relief, SRS and other deductions
- Tax-clearance withholding, final assessment rounding and future unannounced changes
Key assumptions
- You explicitly confirm tax-resident foreign employee status, no citizen/PR status during 2026 and no relief except standard earned income relief
- Age band is at 31 December 2026; no citizenship or age inferred from location
- Annual tax reserve is deducted for planning; employer costs are not deducted
Model technical details
{
"releaseId": "taxcalcy-candidate-2026-09-28.11",
"engineSchemaVersion": "1",
"approvalStatus": "NEEDS_REVIEW",
"manifestFingerprint": "9043da3a7194ce8102cb9f80e64ed981de1f2ea91f21085aa8eccab1974fe9d5",
"modelVersion": "sg-2026-ya-2027--78a0b399d90e"
}Reference sources (4)
3 of 4 reference sources shown in registry order.
Individual Income Tax rates Primary source reviewed
Non-residents, company directors and other non-salary income excluded.
SG · 2026 (YA 2027) · Resident rates from YA 2024 onwards; tax residency conditions · Reviewed 2026-09-26Earned Income Relief Primary source reviewed
Enhanced disability amounts and other personal reliefs not in declared scenario.
SG · 2026 (YA 2027) · Qualifying for relief and Amount of relief · Reviewed 2026-09-26Who should receive CPF contributions Primary source reviewed
Citizen/PR CPF, transition years, OW/AW, ceilings and employer rates unimplemented.
SG · 2026 (YA 2027) · Exemptions: Foreigners; status changes · Reviewed 2026-09-26Plan what your take-home pay needs to cover.
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Where will life take you?
TaxCalcy provides planning estimates based on the rules and assumptions shown. It is not tax filing software and does not provide tax, legal or financial advice. Actual liability or payroll withholding may differ.