Estimate your IRAS tax for Year of Assessment 2026 with personal reliefs.
Rates verified: 6 November 2026
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Singapore uses a progressive tax system. Rates range from 0% on the first SGD 20,000 to 24% on income above SGD 1,000,000. Most middle-income earners pay an effective rate of 3-8%.
IRAS lists a Personal Income Tax Rebate for YA 2024 and YA 2025 only. It lists none for YA 2026, so this calculator deducts none.
Chargeable income = Gross income minus employee CPF contribution minus all applicable personal reliefs. IRAS caps the total of all reliefs, including CPF and SRS relief, at SGD 80,000 a year.
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The results are estimates based on published rates and the details you enter. They are intended for planning and general reference. For decisions that matter, confirm the figures with the official source or a qualified professional.
⚠️ Financial Disclaimer: Calculations on this site are for informational purposes only and do not constitute financial advice. Results are estimates based on published rates and may not reflect your individual circumstances. Always verify with official sources and consult a qualified financial advisor before making financial decisions.
Singapore residents pay income tax on a progressive scale based on chargeable income after personal reliefs. Tax rates range from 0% on the first $20,000 to 24% on income above $1,000,000. Singapore has no capital gains tax, and dividends from Singapore companies are generally tax-exempt. The tax year runs April 1 to March 31 but filing is done in the following calendar year.
Earned Income Relief: $1,000 (below 55), $6,000 (55-59), $8,000 (60 and above). CPF Relief: employee CPF contributions are fully tax deductible. NSman Relief: $3,000 (active) or $1,500 (inactive) for NS men and their wives/parents. Supplementary Retirement Scheme (SRS) contributions: fully tax deductible up to $15,300 (citizens/PR) or $35,700 (foreigners). All reliefs together, including CPF and SRS relief, are capped at $80,000 a year.
A 35-year-old Singapore Citizen earning $80,000 gross salary with CPF employee contribution of $16,000: chargeable income = $80,000 - $16,000 - $1,000 earned income relief = $63,000. Tax on $63,000: first $40,000 = $550, next $23,000 at 7% = $1,610. Total tax = $2,160. Effective tax rate = 2.7%. Filing deadline is April 18 each year for e-filing via myTax Portal.