Singapore is one of the few developed countries where your payslip is easy to predict. There is no separate federal and state tax, no complex withholding form, and income tax is low. The two things that stand between your gross salary and your bank account are CPF, the mandatory savings scheme, and income tax. This calculator uses the 2026 CPF rates, including the new S$8,000 Ordinary Wage ceiling, and the IRAS resident tax brackets to show what actually lands in your account each month. For a broader view you can also use the CPF calculator guide or the Singapore income tax guide.
How much take-home pay by salary in Singapore (2026)?
This table shows monthly take-home pay for a Citizen or PR aged 55 or below, taking employee CPF and income tax off the gross. It assumes Ordinary Wages only, with no bonus, and uses employee CPF as the only tax relief, so your real tax may be slightly lower once personal reliefs apply.
| Monthly salary | Employee CPF/mo | Income tax/yr | Take-home/mo | Take-home rate |
|---|---|---|---|---|
| S$3,000 | S$600 | S$176 | S$2,385 | 79.5% |
| S$4,000 | S$800 | S$494 | S$3,159 | 79.0% |
| S$5,000 | S$1,000 | S$1,110 | S$3,908 | 78.1% |
| S$6,000 | S$1,200 | S$1,782 | S$4,652 | 77.5% |
| S$8,000 | S$1,600 | S$3,126 | S$6,140 | 76.7% |
| S$10,000 | S$1,600 | S$5,742 | S$7,922 | 79.2% |
| S$12,000 | S$1,600 | S$8,670 | S$9,678 | 80.6% |
Employee CPF is capped once monthly salary passes the S$8,000 Ordinary Wage ceiling, which is why CPF stays at S$1,600 from S$8,000 up and the take-home rate rises again. Source: CPF Board 2026 table, IRAS YA2026 rates.
Why did my CPF change in 2026?
Two things moved on 1 January 2026. First, the Ordinary Wage ceiling rose from S$7,400 to S$8,000 a month, the last step of a phased increase that started in September 2023. If you earn between S$7,400 and S$8,000, more of your salary now attracts CPF, so a little more is saved and a little less is cash, and your employer pays more too. Second, contribution rates rose for workers aged above 55 to 65, by 1.5 percentage points in total, split as 1 point from the employee and 0.5 from the employer. Those extra senior-worker contributions go straight to the Retirement Account.
CPF contribution rates by age in 2026
Your age band sets how much CPF comes out. These are the 2026 rates for a Citizen or PR (3rd year onwards) earning more than S$750 a month, applied to Ordinary Wages up to the S$8,000 ceiling.
| Age band | Employee share | Employer share | 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% |
Source: CPF Board, CPF Contribution Rate Table from 1 January 2026. Employee share is what comes out of your salary; the employer share is paid on top.
How is take-home pay calculated in Singapore?
The method has three steps, and this calculator runs all of them. First, work out the employee CPF: your age-based rate times your monthly salary, capped at the S$8,000 ceiling. For someone 55 or below on S$6,000, that is 20% of S$6,000, or S$1,200 a month. Second, work out income tax on chargeable income, which is your annual salary minus CPF and personal reliefs; the IRAS resident brackets run from 0% on the first S$20,000 up to 24% above S$1,000,000. Third, subtract both from gross. The formula is short: take-home equals gross salary minus employee CPF minus income tax.
Two features make Singapore take-home unusually high. Income tax is low, so most of the gap between gross and net is CPF, which is your own money saved rather than a tax. And CPF is capped: once monthly pay passes S$8,000, no more CPF comes out, so higher earners keep a larger share of each extra dollar as cash. That is why the take-home rate in the table dips around S$6,000 to S$8,000 and then climbs again. To plan what to do with the take-home, see the Singapore retirement planning guide or the SRS tax-relief guide.
Frequently asked questions
How much is take-home pay in Singapore in 2026?
For a Singapore Citizen or PR aged 55 or below, take-home pay is your salary minus your 20% CPF employee contribution and minus income tax. A S$6,000 monthly salary (S$72,000 a year) nets about S$4,652 a month, or S$55,818 a year, after S$14,400 in employee CPF and roughly S$1,782 in income tax for 2026. Take-home is about 77% to 82% of gross for most middle incomes, since income tax is low and CPF is the largest deduction.
How much CPF is deducted from my salary in 2026?
If you are a Citizen or PR aged 55 or below, the employee CPF contribution is 20% of your Ordinary Wages, capped at the S$8,000 monthly Ordinary Wage ceiling. That is a maximum of S$1,600 a month deducted from your pay. Your employer adds a further 17% on top, which does not come out of your salary. Rates are lower for older workers and higher-age bands.
What is the CPF Ordinary Wage ceiling in 2026?
The CPF Ordinary Wage ceiling rose to S$8,000 a month on 1 January 2026, up from S$7,400 in 2025. This is the final step of a phased increase that began in September 2023. Monthly salary above S$8,000 has no CPF deducted from the excess, so CPF stops growing once your monthly pay passes S$8,000. The CPF annual salary ceiling stays at S$102,000.
How much income tax do I pay in Singapore in 2026?
Singapore residents pay progressive income tax from 0% to 24% on chargeable income (income after CPF relief and personal reliefs). The first S$20,000 is tax-free. A chargeable income of S$57,600, typical for a S$72,000 salary after CPF, produces about S$1,782 of tax, an effective rate near 2.5%. No income tax rebate was announced for YA2026, unlike the rebates in YA2024 and YA2025.
Do I pay CPF on my bonus in Singapore?
Yes, but with a cap. Bonuses count as Additional Wages, and CPF applies to them up to the Additional Wage ceiling, which is S$102,000 minus your Ordinary Wages for the year. The overall CPF annual limit for 2026 is S$37,740 across both employee and employer contributions. This calculator estimates take-home on Ordinary Wages only; a large bonus adds CPF and tax that reduce the take-home percentage slightly.
What are the 2026 CPF contribution rates by age?
From 1 January 2026, for wages above S$750 a month: aged 55 and below pay 20% employee and 17% employer (37% total); above 55 to 60 pay 18% and 16% (34%); above 60 to 65 pay 12.5% and 12.5% (25%); above 65 to 70 pay 7.5% and 9% (16.5%); above 70 pay 5% and 7.5% (12.5%). Rates for the 55 to 65 bands rose in 2026 as part of the senior-worker increases.
Is employee CPF tax deductible in Singapore?
Yes. Compulsory employee CPF contributions on Ordinary and Additional Wages are deducted from your income before tax is worked out, so they lower your chargeable income and your tax. That is why take-home is calculated as salary minus CPF minus tax, not salary minus CPF minus tax on the full salary. Other reliefs, such as Earned Income Relief and reliefs for family and top-ups, reduce chargeable income further.
How is take-home pay calculated in Singapore?
Start with gross salary. Subtract the employee CPF contribution (20% of monthly wage up to the S$8,000 ceiling for those 55 and below). That gives cash pay. Then work out annual income tax on chargeable income (salary minus CPF and reliefs) using the IRAS resident brackets, and subtract it. What remains is take-home pay. In formula form: take-home = gross salary minus employee CPF minus income tax.
Related calculators and guides
This calculator gives estimates for general guidance, not tax or financial advice. Actual CPF and tax depend on your residency status, bonuses, and personal reliefs. Check the CPF Board and IRAS for your exact figures.