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
How much income tax do I pay in Singapore?
Singapore has a progressive income tax system with 13 tax brackets ranging from 0% on the first SGD 20,000 of taxable income up to 24% on income above SGD 1,000,000. The tax brackets are quite favorable for lower earners, as you pay no income tax on your first SGD 20,000 of taxable income, then gradually increasing rates as your income grows.
What is CPF and how does it affect my take-home pay?
The Central Provident Fund (CPF) is a mandatory employee contribution of 20% on ordinary wages up to SGD 96,000 annually, plus 20% on additional wages between SGD 96,000 and SGD 102,000, with a maximum contribution of SGD 19,200 per year. The good news is that CPF contributions are deductible from your taxable income, which reduces the amount of income tax you owe.
As an expat, will I pay the same income tax as Singapore citizens?
This calculator models resident taxation for Singapore citizens and permanent residents. Non-residents are taxed differently and typically face higher tax rates. If you're relocating to Singapore, you should verify your residency status with the Inland Revenue Authority of Singapore (IRAS), as it determines which tax rates apply to you.
Do I get any tax relief or deductions?
All employees receive an earned income relief of SGD 1,000, which is deducted from your taxable income before tax is calculated. Additional reliefs are available for dependents, spouses, and life insurance premiums, but this calculator shows the baseline scenario without those optional reliefs.
What's the maximum income tax rate in Singapore?
The highest income tax rate in Singapore is 24%, which applies to taxable income above SGD 1,000,000. This is one of the lowest top marginal tax rates among developed economies, making Singapore attractive for high earners.
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