Tools
Salary Calculator
Model monthly salary, bonus multiplier, CPF outcomes, and estimated Singapore resident income tax using the current 2026 wage ceilings and tax bands.
Salary Inputs
Estimate your Singapore monthly take-home pay, annual remuneration, CPF contributions, and bonus impact.
Using the 55 and below CPF band. Bonus is treated as Additional Wage and estimated on a single-employer, full-year basis using the 2026 annual salary ceiling. ESPP payroll deductions reduce take-home pay here, but do not reduce CPFable salary.
Sign in if you want these salary and tax inputs to be saved to your account.
Pay Summary
Monthly and annual numbers update instantly from the salary inputs.
Gross Pay
SGD 5,000.00
Monthly base salary
Net Pay
SGD 4,000.00
After ESPP and employee CPF of SGD 1,000.00 / month
CPF (Employee)
SGD 1,000.00
Monthly employee share
CPF (Employer)
SGD 850.00
Monthly employer share
Annual Remuneration
SGD 72,500.00
SGD 60,000.00 salary + SGD 12,500.00 bonus
ESPP Deduction
SGD 0.00
0.00% of monthly salary allocated to ESPP
Bonus Multiplier
2.50 months
Bonus amount SGD 12,500.00
ESPP (Employee Stock Purchase Plan)
Offer and purchase prices are shown in USD. Salary allocation stays in SGD because it is derived from your pay.
Ticker
Not set
Add a ticker to track your ESPP name
Salary Allocation
0.00%
SGD 0.00 allocated from salary each month
Offer Price
$0.00
Reference share price before discount
Purchase Price
$0.00
15% discount saves $0.00 per share
CPFable Salary
SGD 5,000.00
ESPP deduction does not reduce CPF salary in this model
Annual ESPP Funding
SGD 0.00
Estimated from monthly payroll deductions only
Taxable ESPP Discount
SGD 0.00
Included in the IRAS employment income estimate; excludes later share-price movement
Current Price
--
Latest market price for the selected ticker
Current Annual ESPP Value
--
Requires ticker and live market price
Annual ESPP Gain
--
Unrealized gain estimate based on current market price
CPF Distribution
Based on your current age bucket at age 35.
Monthly distribution
From SGD 1,850.00 total monthly CPF
OA
SGD 1,150.14
Ordinary Account
SA
SGD 299.89
SA allocation
MA
SGD 399.97
MediSave allocation
Annual distribution
Includes salary and CPF-payable bonus contributions of SGD 26,825.00
OA
SGD 16,677.10
Ordinary Account
SA
SGD 4,348.33
SA allocation
MA
SGD 5,799.57
MediSave allocation
Bonus CPF Treatment
Additional Wage ceiling controls how much of your bonus still attracts CPF.
AW Ceiling
SGD 42,000.00
2026 annual salary ceiling SGD 102,000.00 less CPF-payable OW
Bonus Subject to CPF
SGD 12,500.00
Entire bonus remains CPF-payable
Annual CPF (Employee)
SGD 14,500.00
Includes SGD 2,500.00 from bonus
Annual CPF (Employer)
SGD 12,325.00
Includes SGD 2,125.00 from bonus
Annual CPF Total
SGD 26,825.00
Combined employer and employee CPF
Annual Net After Employee CPF
SGD 58,000.00
Annual remuneration less employee CPF only
Estimated IRAS Tax
Resident employment-income estimate for income earned in 2026 and assessed in YA 2027.
Estimated Tax Payable
SGD 1,740.00
Marginal rate 7.0%
Chargeable Income
SGD 57,000.00
Annual remuneration less modeled reliefs
CPF Relief
SGD 14,500.00
Compulsory employee CPF contribution relief
Earned Income Relief
SGD 1,000.00
Using standard IRAS age-based earned-income relief tier
This estimate assumes you are a Singapore tax resident. It now models the active relief categories on the current IRAS relief pages that fit this calculator, including CPF-related reliefs, earned income relief, spouse, NSman, parent, child, WMCR, SRS, life insurance, caregiver, sibling disability, and donation deductions. Course Fees Relief and FDWL Relief are omitted because IRAS has lapsed them for the current assessment years, and Parenthood Tax Rebate remains a separate rebate rather than a relief.
IRAS Inputs
Add the relief amounts or categories relevant to your filing. Where IRAS uses fixed relief amounts, the selector applies them automatically.
No child relief is included in the current tax estimate. Choose a full claim or a shared claim if this applies to you. If you later add WMCR, remember the child-level combined cap still applies.
Donations are modeled at 250% tax deduction. Personal reliefs are capped at SGD 80,000.00 per YA. Course Fees Relief and FDWL Relief are intentionally not shown because IRAS has lapsed them for current YAs, while PTR remains a rebate outside the personal-relief cap.
IRAS Breakdown
Deductions and reliefs feeding into the tax estimate.
Assessable Income
SGD 72,500.00
Employment income after donation deduction
Donation Deduction
SGD 0.00
SGD 0.00 x 2.5x
Spouse Relief
SGD 0.00
Selected spouse-relief amount
NSman Self Relief
SGD 0.00
Entered NSman self-relief claim
NSman Wife Relief
SGD 0.00
Entered NSman wife-relief claim
NSman Parent Relief
SGD 0.00
Entered NSman parent-relief claim
NSman Relief
SGD 0.00
Combined NSman relief used in the tax estimate
Child Relief
SGD 0.00
Your entered child-relief claim
Parent Relief
SGD 0.00
Your entered parent-relief claim
CPF Cash Top-up
SGD 0.00
Voluntary CPF cash top-up relief
Self-employed CPF
SGD 0.00
Self-employed CPF relief entered
Platform Worker CPF
SGD 0.00
Platform worker CPF relief entered
SRS Relief
SGD 0.00
Your eligible SRS contribution amount
Life Insurance
SGD 0.00
Entered life insurance relief claim
Voluntary MediSave
SGD 0.00
Voluntary MediSave relief entered
Grandparent Caregiver
SGD 0.00
Claimed grandparent caregiver relief
Sibling Disability
SGD 0.00
Claimed sibling disability relief
WMCR
SGD 0.00
Working Mother's Child Relief claimed
Personal Reliefs Used
SGD 15,500.00
Within IRAS personal relief cap
Raw Salary JSON Export
Copy the current salary inputs and computed CPF, tax, and ESPP data as raw JSON for AI-agent questions or analysis.
Includes raw salary and IRAS inputs, computed CPF distributions, estimated tax, and live ESPP quote-derived values when available.