Singapore Tax Calculator (2026)
Income tax rates and take-home pay for Singapore
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Singapore Income Tax Brackets (2025)
| Bracket | Income Range | Rate |
|---|---|---|
| 0% band | SGD 0 - SGD 20,000 | 0.0% |
| 2% band | SGD 20,000 - SGD 30,000 | 2.0% |
| 3.5% band | SGD 30,000 - SGD 40,000 | 3.5% |
| 7% band | SGD 40,000 - SGD 80,000 | 7.0% |
| 11.5% band | SGD 80,000 - SGD 120,000 | 11.5% |
| 15% band | SGD 120,000 - SGD 160,000 | 15.0% |
| 18% band | SGD 160,000 - SGD 200,000 | 18.0% |
| 19% band | SGD 200,000 - SGD 240,000 | 19.0% |
| 19.5% band | SGD 240,000 - SGD 280,000 | 19.5% |
| 20% band | SGD 280,000 - SGD 320,000 | 20.0% |
| 22% band | SGD 320,000 - SGD 500,000 | 22.0% |
| 23% band | SGD 500,000 - SGD 1,000,000 | 23.0% |
| 24% band | SGD 1,000,000+ | 24.0% |
Personal allowance: SGD 1,000
Central Provident Fund (CPF) - Employee
| Bracket | Income Range | Rate |
|---|---|---|
| Ordinary wages up to SGD 96,000 annual ceiling | SGD 0 - SGD 96,000 | 20.0% |
| Additional wages between SGD 96,000 and SGD 102,000 | SGD 96,000 - SGD 102,000 | 20.0% |
Capped at SGD 19,200 per year
Key Facts
Tax Year
2025
Currency
SGD
Top Rate
24.0%
Brackets
13 brackets
Allowance
SGD 1,000
Social Contributions
1 item
Assumptions
- · Model represents a resident individual employee (Singapore citizen or permanent resident aged 55 and below).
- · CPF contributions calculated at standard rates: employee 20% of ordinary wages up to SGD 8,000/month ceiling (SGD 96,000 annual OW ceiling for 2026).
- · CPF is deductible from taxable income.
- · No personal reliefs claimed (child, spouse, aged dependant, etc.) to represent a standard single employee without dependents.
- · Earned income relief of SGD 1,000 applied (for employees under 55).
- · CPF contributions on additional wages (bonus) included up to SGD 102,000 total annual wages ceiling.
- · SRS contributions excluded as voluntary scheme.
- · No employer-paid levies included (SDL, FWL are employer-only).
- · Non-resident taxation not modeled; resident model only.
- · Life insurance premiums and other optional reliefs excluded.
- · Taxable income calculated as: gross employment income less CPF contributions less earned income relief.
Frequently asked questions
What is the top income tax rate in Singapore?
The highest marginal income tax rate in Singapore is 0.2%. Your effective tax rate will be lower depending on your income level.
How many tax brackets does Singapore have?
Singapore has 13 income tax brackets. Income is taxed in brackets - you only pay the higher rate on income above each threshold, not on your entire income.
How is take-home pay calculated in Singapore?
Take-home pay in Singapore is your gross salary minus income tax, social contributions, and any applicable surcharges. Use the calculator above to see an exact breakdown for your salary.
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