🇸🇬 Singapore tax & finance calculators
CPF rates step down with age. OW ceiling S$8,000/mo from 2026. Allocation goes to OA / SA / MA.
🇸🇬 Singapore key numbers
Top 8 Singapore calculators
All Singapore tax & salary tools
Tax brackets, retirement, payroll, and credits that follow IRAS rules. Universal calculators (loans, health, sport, conversions) are below.
Singapore tax: low rates, mandatory CPF, expat-friendly
Singapore runs one of the world's lowest personal income tax regimes - 0% to 24% across progressive brackets, no capital gains tax, no inheritance tax, and only 9% GST. The trade-off: mandatory CPF (Central Provident Fund) contributions of up to 37% of salary (split between employee and employer) for citizens and PRs. Foreigners on Employment Pass are exempt from CPF and pay only income tax.
2025 (Year of Assessment 2026) personal income tax brackets - residents
| Income range (SGD) | Rate |
|---|---|
| First 20,000 | 0% |
| Next 10,000 (to 30K) | 2% |
| Next 10,000 (to 40K) | 3.5% |
| Next 40,000 (to 80K) | 7% |
| Next 40,000 (to 120K) | 11.5% |
| Next 40,000 (to 160K) | 15% |
| Next 40,000 (to 200K) | 18% |
| Next 40,000 (to 240K) | 19% |
| Next 40,000 (to 280K) | 19.5% |
| Next 40,000 (to 320K) | 20% |
| Above 320,000 to 500K | 22% |
| Above 500K to 1M | 23% |
| Above 1,000,000 | 24% |
CPF: Singapore's nation-building scheme
CPF is a defined-contribution scheme that handles retirement, healthcare, and housing. Combined contribution rates from 1 January 2025:
- Up to age 55: 37% (employee 20% + employer 17%) on Ordinary Wages capped at SGD 8,000/month (2026).
- Age 55-60: 31% combined.
- Age 60-65: 22% combined.
- Above 65: 16.5% combined.
Contributions split into three accounts: Ordinary Account (OA) for housing/education at 2.5% interest, Special Account (SA) for retirement at 4%, MediSave (MA) for healthcare at 4%. From age 55, balances above the Full Retirement Sum (SGD 213,000 in 2025) move to a Retirement Account.
Top SG tax-saving strategies
- SRS (Supplementary Retirement Scheme): voluntary tax-deductible contributions up to SGD 15,300 (citizens/PR) or SGD 35,700 (foreigners). 50% of withdrawals at retirement age (63) are taxable. Best for foreigners who can't access CPF.
- CPF top-ups: up to SGD 8,000 each to your own SA and a family member's SA earns tax relief, plus 4% interest forever.
- Donation deductions: 2.5x deduction for donations to Institutions of a Public Character (IPCs).
- Course fee relief: SGD 5,500 for skill-related professional qualifications.
- Working Mother's Child Relief, Parent Relief, Grandparent Caregiver Relief: significant family-based credits.
Singapore property buyer's stamp duty
BSD (Buyer's Stamp Duty) is progressive: 1-6% on residential property. ABSD (Additional Buyer's Stamp Duty) varies by buyer profile: 20% for citizens buying second property, 30% for third+; 30% for PR first property; 60% for foreigners (any property). The 60% foreigner ABSD effectively excludes most non-citizens from the residential market.
Calculators by Singapore region
Localized 2026 tax math + keyword-targeted pages for every SG region. Each links to: Salary Calculator, Income Tax.