Singapore take-home pay calculator
Work out your monthly take-home in Singapore honestly: there is no monthly income-tax withholding, so take-home is simply your gross pay minus your employee CPF (citizens and PRs) — or your full gross (foreigners, who pay no CPF). Income tax is a separate, self-assessed annual figure, shown here as a clearly-labelled estimate. The result is an estimate based on the rates in force for 2026.
- Honest monthly take-home — CPF itemized
- No monthly income-tax withholding — the truth
- No sign-up, no hidden costs
Quick estimate
Enter your gross monthly salary, choose Citizen/PR or Foreigner, and pick your age band — the calculator immediately shows your monthly take-home and your employee CPF. There is no monthly income-tax line, because Singapore does not withhold income tax monthly. The result is an estimate, for a sense of scale, not an official determination.
Your regular monthly wage, before CPF
Take-home
Take-home: 4,000.00 S$- Take-home4,000.0080%
- Employee CPF1,000.0020%
- Gross monthly pay
- S$5,000.00
- Employee CPF
- S$1,000.00
- Total employer cost
- S$5,861.25
Singapore has no monthly income-tax withholding: your employer does not deduct income tax from your pay. Income tax is self-assessed and paid the following year — see the annual estimate, shown separately.
Your employer also pays S$850 in employer CPF into your CPF accounts — that is on top of your wage, not deducted from take-home.
Notes on this calculation (3)
This uses the full rates for Singapore Citizens and PRs from their 3rd year onwards. New PRs pay lower graduated rates in their 1st and 2nd year.
Employer also pays the Skills Development Levy (0.25% of wages, about S$11.25) — an employer cost, never deducted from take-home.
Separate annual income-tax estimate (resident): about S$1,040 for the year — an estimate, never a monthly deduction.
In Singapore your employer does not deduct income tax from your monthly pay. There is no PAYE, no monthly withholding. What actually leaves your pay each month is your employee CPF — and nothing else. So your take-home is simply your gross salary minus your CPF.
Income tax is real, but it is a separate, annual figure: you self-assess it and pay it the year after you earn — never a line on your monthly payslip. That is the one thing most take-home tools get wrong about Singapore, and the reason this calculator keeps the two apart.
- 20%
- Employee CPF (55 & below)
- S$8,000
- Ordinary Wage ceiling
- 24%
- Top marginal tax rate
How it works
Three steps to an honest monthly number — no sign-up.
- 1
Enter your pay and status
Gross monthly salary, Citizen/PR or Foreigner, and your age band.
- 2
See CPF, not tax
Take-home = gross minus employee CPF. There is no monthly income-tax deduction.
- 3
Get take-home and employer cost
Your monthly take-home, your CPF, and the total cost to the employer.
What actually leaves your monthly pay
For citizens and PRs, the only monthly deduction is CPF — Singapore’s mandatory savings scheme. Your employee share depends on your age band and comes off your gross pay:
- Employee CPF — your share, 20% of wages in the youngest band, stepping down as you get older. This is what reduces your take-home.
- Employer CPF — 17% in the youngest band, paid by your employer on top of your wage into your CPF accounts. It is not deducted from take-home.
- The Ordinary Wage ceiling — CPF is charged only up to S$8,000 of monthly wage; anything above carries no CPF.
- Skills Development Levy — a small employer-side levy, never part of your take-home.
Foreigners on a work pass pay no CPF at all, so their take-home equals their gross. And for everyone, income tax stays off the monthly picture — it is estimated separately, by the year.
Explore the tools
A guide to each part of the calculation — one topic per page.
CPF rates
Employee and employer CPF by age band, and the Ordinary Wage ceiling.
Annual tax estimate
A separate annual resident income-tax estimate — never a monthly deduction.
Foreigners
EP, S Pass and Work Permit holders pay no CPF — take-home equals gross.
OW & AW ceilings
How the Ordinary and Additional Wage ceilings cap the wages CPF is charged on.
Frequently asked questions
Answers about take-home, CPF and the separate annual income-tax estimate.
Citizen/PR vs foreigner — the take-home gap
Two people on the same gross can take home very different amounts:
- Citizens and PRs pay employee CPF, so their monthly take-home is lower — but that CPF is their own savings, for housing, healthcare and retirement.
- Foreigners on a work pass pay no CPF, so their monthly take-home equals gross — but they build no CPF, and income tax is still owed annually.
- The annual tax is the same idea for both: an annual, self-assessed figure on the resident scale once you qualify, never a monthly deduction.
Reading it against a salary back home
Singapore salaries can look large, and so does the cost of living. A gross figure means little until you see the take-home and then subtract rent and everyday costs. For orientation, the median full-time gross is about S$5,775 a month — but that MOM figure includes employer CPF, so it sits above the take-home base.
The honest comparison puts take-home against take-home, and counts in the money you actually live on. This calculator gives you the first honest number for that.
Frequently asked questions
The full content of this page is still being written.
Ready?
Work out your take-home in seconds
Enter your gross and see monthly take-home, your CPF, and the total employer cost — no sign-up.