Know your tax. Plan with clarity.
How much is my income tax?
Answer a few questions, see your estimated Singapore income tax, then decide whether you’d like to explore saving towards future tax bills.
01 · Start here
A little about you
These details help us calculate the right tax year and applicable reliefs. Only the starred fields are required.
Earned Income Relief changes at ages 55 and 60.
Used for CPF and SRS eligibility. This calculator assumes you are a Singapore tax resident.
First/second-year PR CPF rates can be graduated. Estimate assumes the standard G/G arrangement.
This calculator uses Singapore tax-resident rates. It does not calculate non-resident income tax. Please confirm your tax-residency status before relying on the result.
02 · Income
How much did you earn?
If you know your final chargeable income after reliefs, you can calculate tax immediately. Otherwise, enter gross income and explore reliefs step by step.
This must be your chargeable income after all deductions and reliefs, not your take-home salary. No further reliefs or rebates will be deducted.
Quick route: skip CPF, SRS and family relief pages. For accurate funding projections, future chargeable income is grown using your selected income growth assumption.
Want to find out which tax reliefs may reduce your bill? Enter your gross taxable income before personal reliefs, then continue to the next pages.
Total taxable earned income: employee wages (including taxable commissions), NET self-employed trade income, and NET platform earnings, before personal reliefs. Do not subtract employee or platform CPF contributions again.
E.g. net rental income. Leave blank if none.
CPF rules depend on whether income comes from employment, platform work or self-employment. Regular monthly commission generally counts as Ordinary Wages; irregular bonuses or commissions can be Additional Wages.
Include monthly salary and any taxable commissions and bonuses. The remaining amount is allocated to platform work and/or self-employment.
For platform work, use earnings AFTER the applicable CPF fixed expense deduction (FEDA), not gross platform receipts. Exclude this amount from self-employed MediSave net trade income.
If born in or after 1995, increased platform CPF is mandatory and this question is not needed.
Enter only irregular bonuses/commissions classified as CPF Additional Wages. Include them in the employment income above (not on top of it). Regular monthly commission should remain within Ordinary Wages. Your payroll records determine the actual CPF classification.
Use your income for the selected calendar year, not the amount of tax already paid. This calculator covers individuals, not companies.
03 · Optional
CPF, SRS & insurance
Enter any amounts you are eligible to claim. Your compulsory CPF and estimated MediSave are shown automatically where applicable. Enter eligible additional reliefs only if you have them.
—Based on employee wages, age, residency and the relevant CPF ceiling.
Employee share only (not employer CPF), estimated for 12 equal monthly salaries plus any annual bonus entered. CPF Board's actual figures may differ due to wage timing, birthday month, PR rate agreements or low-wage rules.—Calculated from your net self-employed trade income, age and income year.
Usually compulsory when annual net trade income exceeds S$6,000. This estimates the required contribution for the chosen work year using standard non-pensioner rates. Tax relief is based on compulsory contributions actually paid in the selected income year, which may relate to an earlier work year. Excludes platform earnings already reported by operators. CPF official calculator ↗Only paid compulsory contributions are deducted from tax. Enter the actual paid amount from CPF records; leave blank if none paid or unknown.
Compulsory MediSave rates differ for qualifying pensioners.
—Based on net platform earnings, age, opt-in status and CPF rates.
Platform operators deduct and submit the worker's share. The estimate assumes equal monthly net earnings from one platform; actual deductions differ for multiple platforms or uneven monthly earnings.Select residency status on Page 1 to see your SRS annual contribution limit.
Subject to relief conditions and annual limit.
Subject to relief conditions and annual limit.
Eligibility depends on qualifying insurance and CPF contributions.
Used for the applicable life insurance relief cap.
SRS contributions can reduce taxable income but are not the same as savings available to pay a tax bill. Their withdrawal rules are separate.
04 · Optional
Family reliefs & other deductions
Add family-related claims and eligible donations if applicable. You can skip this page.
NSman reliefs & donations
Eligible NSmen who have completed full-time NS.
Singapore Citizen wife (or qualifying widow) of an eligible NSman.
Singapore Citizen father or mother of an eligible NSman. Only the highest NSman claim is counted.
Assumes qualifying donations receiving 250% deduction.
Other eligible reliefs (S$)
Checked the relief categories above and still have another eligible claim? Enter the amount here. Do not include any relief already entered. You can compare with the official IRAS relief list.
Enter only the relief amount; not the tax saved.
Personal tax reliefs are generally limited to S$80,000 in total. Qualifying donations are treated separately. Parenthood Tax Rebate is not included in this estimate; IRAS may apply an available rebate to reduce your actual tax bill.
Your estimate
Here's your estimated payable income tax
Based on the income and eligible deductions you entered. You can return to any previous page to adjust the result.
Estimated tax payable——
Tax before reliefs—Before deduction and relief adjustments
Estimated tax reduction—Includes automatic eligible reliefs
How your tax is calculated
Would you like to explore funding your future tax bills?
Estimate only; exact tax assessment, relief eligibility and payment timing are determined by IRAS. Compare with IRAS official tax calculators ↗.
Optional · Funding planner
Let's plan your tax funding
Choose a lump sum, 3-year or 5-year contribution period. The illustrated savings plan is locked for 10 full years; withdrawals can only begin in year 11.
Assumes earned income stops when you reach this age. The current income year is always counted if you're retiring now.
Leave blank to assume 0% growth.
Your expected annual return for the illustration, before any product-specific charges. No return is guaranteed.
Which saving method interests you?
10-year lock-in: No withdrawals in years 1–10. Tax bills due during that period must be paid separately and cannot be funded from this savings plan. Withdrawals begin only in year 11. This illustration assumes a 10-year no-withdrawal restriction; actual product terms, guarantees, costs and access to funds may differ.
Optional · Funding results
Your tax funding illustration
Your savings compound during a 10-year lock-in. Tax bills for years 1–10 are paid separately; only year-11 onward tax withdrawals may come from this fund.
Savings required——
Total projected tax——
Tax to pay outside plan (first 10 years)—No fund access during lock-in
Earliest unlocked income year—
Tax after unlock—
Later funding shortfall—
Where the savings could go
Total contributions—
Illustrative fund growth—
Remaining fund—
Income growth assumption—
Compare saving periods
The figures are contributions calculated to cover tax bills in year 11 and later only. First-ten-year tax bills remain payable separately, regardless of the chosen option.
Illustrated fund balance and annual tax
End-of-year fund balance Estimated annual tax
Return sensitivity
Illustrative cost for your chosen method at different annual return assumptions. These are scenarios, not guaranteed returns.
Planning illustration only. Constant investment returns, unchanged future resident tax bands, withdrawals only from year 11, and repeated applicable reliefs are simplifying assumptions. Annual investment losses, product charges, insurer conditions, eligibility changes and tax-payment dates could materially alter results. Tax liabilities due soon should be funded with liquid, suitable assets. SRS money is not treated as unrestricted cash.