Monthly Deductions
YA 2026 rates verified against IRAS and the CPF Board on 2 Sep 2026
Quick Answers
What is a Singapore take home salary calculator?
It estimates how much of your gross pay you keep each month after resident income tax and your employee CPF contribution. It is a planning tool, not a substitute for your payslip or IRAS.
Which tax year does this use?
Year of Assessment 2026, verified directly against IRAS for the full resident income tax table. Single filers only. CPF Relief (your own contributions) and Earned Income Relief (S$1,000 / S$6,000 / S$8,000 by age) are deducted automatically, as IRAS does; other reliefs such as NSman, parent or spouse relief aren't modeled, so tax may be slightly overestimated.
Why does residency status matter so much?
CPF (Singapore's retirement savings scheme) applies only to Citizens and Permanent Residents. Foreigners on work passes pay zero CPF by law — the same gross salary produces a meaningfully higher take-home for a foreigner, since no CPF is deducted.
How is CPF calculated?
A percentage of your monthly salary (capped at the S$8,000 Ordinary Wage ceiling), split between employee and employer, at a rate that depends on your age band (full rates step down after 55, 60, 65 and 70). New PRs pay graduated rates — 5% in the 1st year and 15% in the 2nd (under 55) — before the full 20% from the 3rd year; pick your PR year in the sidebar to see it.
Will my payslip match these numbers exactly?
Often close for straightforward employment, but payslips reflect your specific reliefs, bonus/Additional Wage CPF treatment, and payroll timing — none of which are modeled here. Use In-Hand.net as a guide and rely on your payslip or IRAS for authoritative amounts.
Is this official IRAS advice?
No. In-Hand.net is an independent calculator for education and planning. Non-resident tax rates, Additional Wage CPF on bonuses, and reliefs beyond CPF and Earned Income Relief are not yet modeled. Always confirm with IRAS or a qualified tax professional before making decisions.