Monthly salary after CPF and income tax
Rates verified: June 2026
Your Singapore take-home pay is your gross salary minus two main deductions: your CPF employee contribution and your income tax. These are calculated independently and both depend on how much you earn.
CPF is deducted directly from your payslip each month. Income tax is assessed annually by IRAS on your total income for the year. Most employees pay through Monthly Tax Deduction (MTD) or receive a tax bill after filing each March. This calculator estimates your monthly tax as one-twelfth of your annual liability.
From January 2026, the CPF Ordinary Wage ceiling increased to $8,000 per month. This means CPF is only calculated on up to $8,000 of your monthly salary, regardless of how much more you earn. If you earn $12,000 per month, your CPF is still calculated on $8,000 - your employee contribution is $1,600 and your employer contributes $1,360.
No. The employer CPF contribution is paid on top of your gross salary and does not reduce your take-home pay. It is an additional cost to your employer. This calculator shows both figures separately so employers and employees can see the full picture.
| Age Group | Employee | Employer | Total |
|---|---|---|---|
| 55 and below | 20% | 17% | 37% |
| Above 55 to 60 | 16% | 15% | 31% |
| Above 60 to 65 | 10.5% | 11.5% | 22% |
| Above 65 to 70 | 7.5% | 9% | 16.5% |
| Above 70 | 5% | 7.5% | 12.5% |
This calculator uses earned income relief and CPF deduction only. Your actual tax may be lower if you claim NSman relief, spouse/child relief, course fees, or SRS contributions. Use the full Singapore Income Tax Calculator for a more complete picture.
S$8,000 per month, increased from S$7,400 in 2025. CPF is only calculated on salary up to this ceiling each month. The annual salary ceiling is S$102,000.
Yes, up to the Additional Wage ceiling, which is S$102,000 minus the total ordinary wages subject to CPF for the year. This calculator includes bonus income in the annual tax calculation but applies CPF only to monthly ordinary wages.
No. CPF contributions apply to Singapore Citizens and Permanent Residents only. Employment Pass and S Pass holders do not contribute to CPF. Select "Non-Resident" above to see the tax calculation without CPF.
⚠️ 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.