Singapore Tax Calculator

What Is a Singapore Tax Calculator?

A Singapore Tax Calculator estimates personal income tax for a Singapore tax resident.

Enter your annual assessable income, eligible CPF relief and other qualifying personal tax reliefs. The calculator estimates your chargeable income and applies the progressive resident tax rates.

This calculator is intended for resident individuals. It does not calculate tax for non-residents, companies, purchases or imported goods.

For a more detailed resident calculation, you can compare the result with the Singapore Income Tax Calculator.

How to Use the Calculator

Enter your annual assessable income before personal reliefs.

Next, enter the CPF relief for which you are eligible. Do not enter your full CPF account balance or every CPF contribution automatically.

Add your other qualifying personal tax reliefs in the final field.

Select Calculate to see:

• estimated chargeable income;
• estimated tax payable before rebates;
• effective tax rate; and
• calculation breakdown.

Use Reset before checking another income or relief scenario.

What Is Assessable Income?

Assessable income is not always the same as your gross salary.

It may include taxable employment income, bonuses, commissions, benefits and other taxable income after allowable expenses or deductions, where applicable.

Check your income records and tax documents before entering the amount. Entering only your monthly basic salary can understate the annual estimate when you also receive taxable bonuses or benefits.

Chargeable Income Formula

The calculator uses this basic formula:

Chargeable income = Assessable income − Eligible CPF relief − Other personal tax reliefs

Chargeable income cannot fall below zero.

The calculator then applies Singapore’s progressive resident income tax rates to the estimated chargeable income.

It estimates tax before personal tax rebates. A rebate reduces tax payable, while a relief reduces the income on which tax is calculated.

Singapore Resident Income Tax Rates

Singapore tax residents are taxed progressively. This means that the whole income is not taxed at the highest applicable rate.

Different portions of chargeable income are taxed at different rates.

For YA 2026, the resident rates range from:

• 0% on the first S$20,000;
• 2% on the next S$10,000;
• 3.5% on the next S$10,000;
• 7% on the next S$40,000;
• progressively higher rates for higher income bands; and
• up to 24% for the highest chargeable-income band.

The current bands are published by IRAS.

Singapore Income Tax Calculation Example

Suppose a resident individual enters:

• annual assessable income: S$60,000;
• eligible CPF relief: S$5,000; and
• other personal reliefs: S$5,000.

Estimated chargeable income is:

S$60,000 − S$5,000 − S$5,000 = S$50,000

The estimated tax is calculated progressively:

• first S$20,000 at 0% = S$0;
• next S$10,000 at 2% = S$200;
• next S$10,000 at 3.5% = S$350; and
• remaining S$10,000 at 7% = S$700.

Estimated tax before rebates:

S$0 + S$200 + S$350 + S$700 = S$1,250

The estimated effective tax rate is:

S$1,250 ÷ S$60,000 × 100 = 2.08%

This example is for explanation only. The final assessment can differ because of eligible income, deductions, donations, reliefs and rebates.

CPF and Other Personal Reliefs

Enter only reliefs for which you meet the qualifying conditions.

The combined personal income tax relief cap is generally S$80,000 for each Year of Assessment. The calculator does not test whether every entered relief is valid.

Possible personal reliefs can depend on factors such as:

• age and earned income;
• eligible CPF contributions;
• spouse or dependant support;
• children;
• parents;
• approved course fees;
• eligible life insurance; and
• qualifying SRS contributions.

Do not include the same relief in both the CPF field and the other-reliefs field.

Residents and Non-Residents Are Taxed Differently

This calculator applies resident individual tax rates. It does not determine your tax residency.

A foreigner may qualify as a tax resident depending on the length and pattern of stay or employment in Singapore. Citizenship alone does not decide income-tax residency.

If you do not qualify as a tax resident, use the Singapore Income Tax Calculator for Foreigners instead.

Non-resident employment income and other types of income can follow different rules and rates.

Tax Payable Is Not the Same as a Tax Refund

The calculator estimates resident income tax before rebates. It does not compare the estimate with tax already paid or deducted.

A refund may arise when the amount paid is greater than the final assessed amount or when an adjustment creates a credit balance.

Use the Singapore Tax Refund Calculator only when you have the relevant assessed and paid amounts.

Do not treat an expected refund as confirmed until it appears in your official tax records.

Personal Tax and Corporate Tax Are Separate

This page calculates individual resident income tax. It does not calculate tax payable by a company.

A company’s taxable income, allowable business expenses, exemptions and corporate tax treatment follow different rules.

Business owners should use the Corporate Tax Calculator Singapore for a separate company-level estimate.

If the business is also considering finance, the Singapore Corporate Business Loan Calculator can estimate possible repayments without mixing loan costs into the tax calculation.

GST and Service Charges

Income tax is different from GST.

GST applies to taxable supplies and purchases, while individual income tax is based on a person’s taxable income.

Use the GST Calculator Singapore when adding or removing GST from a price.

For restaurant or hospitality bills involving both charges, the Singapore Service Charge and GST Calculator provides a separate bill estimate.

Neither amount should be entered as personal tax relief without a valid tax basis.

Imported Goods and Overseas Amounts

Import GST and customs-related charges are not calculated on this page.

Use the Singapore Import Tax Calculator when estimating charges on imported goods.

If income or expenses are recorded in US dollars, the US Dollar to Singapore Dollar Calculator can help with a basic currency conversion.

Use the appropriate official exchange rate and tax treatment when preparing an actual return.

Savings, Deposits and Interest Planning

Tax estimates can help you decide how much money to keep aside, but the calculator does not calculate savings growth.

The Savings Calculator Singapore can show how regular contributions may build over time.

For a time deposit, use the Fixed Deposit Calculator Singapore to estimate maturity value separately.

When comparing deposit offers, the Bank Interest Calculator Singapore can calculate simple interest scenarios.

For returns that earn interest on previous interest, use the Compound Interest Calculator Singapore.

The tax treatment of interest or investment income depends on the nature and circumstances of that income. A growth estimate does not determine taxability.

Loans and Tax Budgeting

Tax payable can reduce the cash available for other commitments.

Before taking a loan, include the expected tax payment in your monthly and annual budget.

The Bank Loan Calculator Singapore can estimate repayments from the entered principal, rate and tenure.

The Loan Eligibility Calculator Singapore can provide a separate affordability estimate. It does not guarantee approval or create a tax deduction.

Personal loan repayments are not automatically deductible from personal taxable income.

Inflation and Retirement Planning

A tax estimate shows the current nominal amount payable. It does not show how purchasing power may change over time.

Use the Inflation Calculator Singapore when comparing money across different years.

For longer-term savings planning, the Retirement Calculator Singapore can estimate a possible retirement gap.

Keep retirement projections separate from tax relief claims. A contribution creates tax relief only when the relevant conditions are satisfied.

Gold and Investment Calculations

Changes in a gold price do not automatically represent taxable income.

The Gold Price Calculator Singapore can estimate the value of gold from its weight, purity and entered price.

Whether a gain is taxable can depend on its nature and the surrounding facts. Do not use the investment value as assessable income without confirming the appropriate treatment.

Family and Personal Financial Situations

Maintenance, estate distribution and religious obligations are separate calculations.

The Singapore Divorce Maintenance Calculator provides only a planning estimate for maintenance-related scenarios. It does not decide the tax treatment of a payment.

For Muslim estate-planning estimates, use the Faraid Calculator Singapore separately.

The Fidyah Calculator Singapore addresses a different religious obligation and should not be treated as an automatic personal tax deduction.

More Singapore finance and planning tools can be found on the Calculator Singapores homepage.

Common Tax Calculation Mistakes

Avoid these common errors:

• using the calculator without confirming tax residency;
• entering monthly income instead of annual assessable income;
• forgetting taxable bonuses or benefits;
• entering ineligible reliefs;
• counting the same relief twice;
• exceeding the personal relief cap;
• confusing reliefs with rebates;
• using the individual calculator for a company;
• treating the estimate as an official assessment; or
• using tax rates from the wrong Year of Assessment.

Keep income documents and relief records in case supporting information is required.

Frequently Asked Questions

Q1: Who should use this Singapore Tax Calculator?

A: It is designed for Singapore tax-resident individuals who want an estimate of income tax before rebates.

Q2: Does the calculator determine my tax residency?

A: No. Confirm your residency status before using it. Non-residents can be subject to different tax treatment.

Q3: What is chargeable income?

A: It is the estimated assessable income remaining after allowable deductions and personal reliefs.

Q4: Does the calculator include personal tax rebates?

A: No. The calculator’s disclaimer states that it estimates resident income tax before rebates.

Q5: Can I enter all my CPF contributions as relief?

A: No. Enter only the CPF relief for which you qualify under the applicable rules.

Q6: Why is my effective tax rate lower than my highest tax rate?

A: Singapore uses progressive rates. Only the part of chargeable income within each band is taxed at that band’s rate.

Q7: Can I use this calculator for corporate tax or GST?

A: No. Companies and GST calculations require separate tools and rules.

Q8: Is the estimated tax guaranteed?

A: No. The final amount depends on your actual income, deductions, donations, relief eligibility, rebates and official assessment.