Singapore Income Tax Calculator 2026

Estimate your IRAS tax for Year of Assessment 2026 with personal reliefs and the 60% rebate.

Rates verified: June 2026

🇸🇬 Your Income Details

Annual Gross Salary (SGD) — before CPF and tax

Employment Type

Employee CPF Contribution (SGD) — auto-calculated, editable

Auto-calculated at 20% of salary (capped at SGD 1,600/month x 12 = SGD 19,200/yr for OW ceiling)

Residency Status

Age Group — affects Earned Income Relief

Personal Reliefs (optional)

Earned Income Relief (SGD) — auto-filled based on age

NSman Relief — SGD 3,000 (active NS) / SGD 1,500 (inactive)

NSman Relief Amount (SGD)

Parent Relief

Course Fees Relief (SGD) — max SGD 5,500

SRS Contribution Relief (SGD)

Other Reliefs (SGD)

📊 Your Tax Estimate

Chargeable Income
SGD 63,000
After CPF & reliefs

Tax Before Rebate

SGD 3,350

Based on tax brackets

YA 2026 Tax Rebate

-SGD 200

60% rebate, capped SGD 200

Final Tax Payable
SGD 3,150
After all rebates

Effective Tax Rate

3.94%

Of gross salary

Monthly Tax Equivalent

SGD 263

Annual tax / 12

Take-Home Pay

SGD 60,850

Annual take-home

SGD 5,071

Monthly take-home

What this means: Your chargeable income is the amount IRAS uses to calculate your tax, after deducting your employee CPF contribution and all personal reliefs from your gross salary.

Good to know: Singapore's effective tax rate is much lower than the headline rate. The top bracket of 24% only applies to income above SGD 1,000,000. At an SGD 80,000 salary, your effective rate is around 3.94%.

Frequently Asked Questions

What is the Singapore income tax rate for 2026?

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%.

What is the YA 2026 tax rebate?

For YA 2026, Singapore tax residents receive a 60% tax rebate, capped at SGD 200.

How is chargeable income calculated?

Chargeable income = Gross income minus employee CPF contribution minus all applicable personal reliefs.

Is this calculator free to use?

Yes. Every calculator on AsiaCalc is completely free to use with no signup required. All calculations run in your browser, so the figures you enter are never uploaded or stored.

How accurate are the results?

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.

How Singapore Income Tax is Calculated

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.

Key Personal Reliefs

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).

Example

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.