MundoKitSingapore take-home pay calculator
Enter a steady monthly ordinary salary, CPF schedule and eligible reliefs. Compare cash after CPF with cash remaining after an income-tax reserve for 2026 income.
Results
- Monthly cash after employee CPF
- SGD 4,000.00
- Monthly income-tax reserve
- SGD 86.67
- Monthly cash after tax reserve
- SGD 3,913.33
- Annual income tax estimate
- SGD 1,040.00
- Earned-income relief (before overall cap)
- SGD 1,000.00
- Annual chargeable income
- SGD 47,000.00
| Item | Monthly | Annual |
|---|---|---|
| Gross salary | SGD 5,000.00 | SGD 60,000.00 |
| Employee CPF | SGD 1,000.00 | SGD 12,000.00 |
| Employer CPF (not cash pay) | SGD 850.00 | SGD 10,200.00 |
| Cash after CPF | SGD 4,000.00 | SGD 48,000.00 |
| Tax reserve | SGD 86.67 | SGD 1,040.00 |
| Cash after reserve | SGD 3,913.33 | SGD 46,960.00 |
- Tax-resident employees only. This assumes the selected age band and CPF schedule apply for all 12 months. Changes during the year need a month-by-month calculation.
- No bonus, other income, donations, tax rebates or other payroll deductions are included. Other personal relief eligibility is not determined here.
This is a general estimate for information only, not tax, legal or financial advice. Real rules have more conditions than a calculator can show, so check the official source below or a qualified professional for your situation.
Last checked 2026-11-14. Rules change, sometimes at short notice. We list the date we last checked each official source; confirm with the official government source before you travel, buy or file. This is general information, not legal or immigration advice.
How it works
CPF uses the selected 2026 age/status table, its low-wage formula and an ordinary-wage ceiling of S$8,000 a month. Employee CPF is rounded down to whole dollars; total CPF is rounded to the nearest dollar, with 50 cents rounded up. Employer CPF is the difference.
Annual chargeable income = max(0, 12 × salary − min(S$80,000, 12 × employee CPF + earned-income relief + other reliefs))
Apply the IRAS resident progressive bands to chargeable income. Divide annual tax by 12 for the reserve. Apart from prescribed CPF rounding, intermediate amounts are retained; money is displayed to two decimals.
This is a steady-salary scenario for tax residents, not a full tax return. Earned-income relief is automatic: below age 55, ages 55–59 and ages 60+ at 31 December receive up to S$1,000, S$6,000 and S$8,000 respectively. Eligible disability amounts are S$4,000, S$10,000 and S$12,000. Each is capped at taxable earned income (annual salary here). Exclude this and CPF relief from other reliefs. No additional wages, donations, rebates, non-resident treatment or mid-year status changes are modelled.
Worked examples
S$5,000 a month, full rates, age below 55
With S$1,000 automatic earned-income relief and no other reliefs, employee CPF is S$1,000 monthly and cash after CPF is S$4,000. Annual chargeable income is S$47,000. Tax is S$1,040, so reserve S$86.67 monthly; cash after the reserve is S$3,913.33.
S$10,000 a month reaches the OW ceiling
At full rates, age below 55 and no other reliefs, employee CPF is S$1,600 monthly. Annual chargeable income is S$99,800 and tax is S$5,627. Cash after CPF is S$8,400; after the S$468.92 reserve it is S$7,931.08.
Frequently asked questions
Is cash after CPF the same as after-tax salary?
Can I use this for a new permanent resident?
What if I cross an age band during 2026?
Which year does the income tax cover?
Can I include a bonus as monthly salary?
Sources
- IRAS — earned-income relief and disability eligibility (checked 2026-11-14)
- CPF Board — 2026 contribution tables 1–5 (checked 2026-11-14)
- IRAS — resident income-tax rates from YA 2024 (checked 2026-11-14)
- IRAS — employee CPF relief and total relief cap (checked 2026-11-14)
Last reviewed 2026-11-14; next review due by 2027-01-01. The method is written out above so you can check our math.