Singapore Payroll Tools
CPF, IRAS income tax and take-home pay calculators for Singapore employees, PRs and employers.
Salary & Tax
Gross to Net CalculatorGross to Net Calculator Singapore
Calculate your take-home pay after CPF and income tax deductions.
Calculate →Net to Gross CalculatorNet to Gross Calculator Singapore
Work backwards from desired take-home to find your required gross salary.
Calculate →CPF CalculatorCPF Calculator Singapore
Detailed CPF allocation breakdown across OA, SA, and MA accounts.
Bonus Tax CalculatorBonus Tax Calculator Singapore
Calculate tax on year-end bonus with Additional Wage ceiling.
2026 CPF Contribution Rates
| Age Group | Employee | Employer | Total |
|---|---|---|---|
| 55 and below | 20% | 17% | 37% |
| Above 55 to 60 | 18% | 16% | 34% |
| Above 60 to 65 | 12.5% | 12.5% | 25% |
| Above 65 to 70 | 7.5% | 9% | 16.5% |
| Above 70 | 5% | 7.5% | 12.5% |
Note: OW ceiling S$8,000/month from 1 Jan 2026. Applies to Singapore Citizens and PRs (3rd year+).
Frequently Asked Questions
What is CPF and why is it deducted from my salary?
CPF (Central Provident Fund) is Singapore's mandatory savings scheme for citizens and permanent residents. Unlike a tax, CPF contributions stay in your personal account and can be used for retirement, healthcare via Medisave, and housing purchases. Employees under 55 contribute 20% of their salary up to the S$8,000 monthly ceiling. Employers add a further 17% on top.
Do foreigners pay CPF in Singapore?
No. CPF only applies to Singapore Citizens and Permanent Residents. Foreign work pass holders do not contribute to CPF. However, they still pay Singapore income tax if they work in Singapore for 183 days or more in a year.
What are the income tax rates in Singapore 2026?
Singapore uses a progressive tax system on annual chargeable income. The first S$20,000 is tax-free. Rates then range from 2% up to 24% on income above S$1,000,000.
What changed in Singapore CPF in 2026?
The CPF Ordinary Wage ceiling increased from S$7,400 to S$8,000, and CPF rates for employees aged 55-65 increased to strengthen retirement savings.
Is Singapore tax calculated monthly or annually?
Singapore income tax is assessed annually by IRAS for the Year of Assessment. Employers may withhold estimated monthly tax, but final liability is confirmed during annual filing.