Your Details
Your gross monthly salary before deductions.
Any expected bonus this year (AWS, performance, etc.).
Your age affects CPF contribution rates.
Singapore citizen or PR? CPF contributions are mandatory. Foreigners and EP holders do not contribute to CPF.
Monthly Take-Home Pay
S$4,000
S$48,000 per year after all deductions
Deduction Breakdown (Monthly)
CPF Allocation (Monthly)
Ordinary Account
-
Special Account
-
MediSave
-
CPF allocation ratios depend on your age group.
How Singapore Salary Tax & CPF Works
This Singapore salary calculator estimates your monthly take-home pay by deducting two things from your gross salary: employee CPF contributions and personal income tax. These are the two mandatory deductions most Singapore employees face.
Singapore uses a progressive tax system with rates from 0% to 24%. The first S$20,000 of chargeable income is tax-free, and rates increase gradually. Tax is calculated on an annual basis. We estimate your annual income tax and spread it across 12 months for a realistic monthly take-home figure.
CPF Contribution Rates (2025)
CPF (Central Provident Fund) is Singapore's mandatory social security savings scheme. Both you and your employer contribute. The contribution rates depend on your age:
| Age Group | Employee Rate | Employer Rate | Total |
|---|---|---|---|
| 55 and below | 20% | 17% | 37% |
| Above 55 to 60 | 15% | 14.5% | 29.5% |
| Above 60 to 65 | 9.5% | 11% | 20.5% |
| Above 65 to 70 | 7% | 8.5% | 15.5% |
| Above 70 | 5% | 7.5% | 12.5% |
CPF contributions are capped at an Ordinary Wage Ceiling of S$6,000 per month. This means only the first S$6,000 of your monthly salary attracts CPF contributions. The Additional Wage Ceiling for bonuses is S$102,000 minus total ordinary wages subject to CPF for the year.
CPF Account Allocation (Age 35 and Below)
Your CPF contributions are split into three accounts:
- Ordinary Account (OA) — for housing, insurance, investment, education
- Special Account (SA) — for retirement savings (merged with OA after age 55)
- MediSave Account (MA) — for healthcare expenses and medical insurance
Singapore Income Tax Rates (YA 2025)
| Chargeable Income | Rate | Cumulative Tax |
|---|---|---|
| First S$20,000 | 0% | S$0 |
| Next S$10,000 | 2% | S$200 |
| Next S$10,000 | 3.5% | S$550 |
| Next S$40,000 | 7% | S$3,350 |
| Next S$40,000 | 11.5% | S$7,950 |
| Next S$40,000 | 15% | S$13,950 |
| Next S$40,000 | 18% | S$21,150 |
| Next S$40,000 | 19% | S$28,750 |
| Next S$40,000 | 19.5% | S$36,550 |
| Next S$40,000 | 20% | S$44,550 |
| Next S$500,000 | 22% | S$154,550 |
| Above S$1,000,000 | 24% | - |
Tax reliefs (such as Earned Income Relief, CPF Relief, and Parent Relief) can significantly reduce your chargeable income. This calculator assumes standard reliefs are claimed. Actual tax may be lower if you have additional reliefs.
Frequently Asked Questions
Is this calculator accurate for foreigners?
This calculator assumes you are a Singapore citizen or PR making CPF contributions. Foreigners and EP/S-Pass holders do not contribute to CPF but still pay income tax. For non-CPF employees, your take-home pay will be higher, but you'll still pay income tax based on the same progressive rates.
How often do CPF rates change?
CPF contribution rates are reviewed periodically. The government has been gradually increasing rates for older workers as part of the CPF system enhancements. This calculator reflects 2025 rates. Check the CPF Board website for the latest updates.
Can I use my CPF to pay for housing?
Yes. You can use your Ordinary Account savings to pay for HDB flats, private property mortgages, and related housing costs. The amount you can withdraw depends on the property type, loan amount, and your remaining lease. This calculator shows your OA allocation so you can plan your housing budget accordingly.