Does this salary calculator include Singapore income tax?

No. The take-home estimate is shown before personal income tax because tax depends on residency, reliefs, deductions, and other income. Use the IRAS income tax calculator for a separate tax estimate.

What CPF wage ceiling does the calculator use?

The calculator uses the 2026 Ordinary Wage ceiling of S$8,000 per month and the annual salary ceiling of S$102,000.

Are bonuses and additional wages included?

No. This calculator covers one month of ordinary wages. Bonuses and other additional wages use separate CPF ceiling rules.

Singapore pay calculator

See what reaches your bank account.

Estimate monthly take-home pay using CPF rates effective from 1 January 2026. Add any other payroll deductions that apply to you.

CPF wage ceiling: S$8,000.00
Annual salary ceiling: S$102,000.00
Calculation year: 2026

Your monthly pay

Calculate take-home pay

Your figures are calculated on this page and are not submitted to HiredInn.

Gross monthly salary Ordinary wages before CPF and deductions CPF status Select the contribution stage that applies Age band CPF rates change after age 55 Other monthly deductions Optional: self-help group contributions, unpaid leave, or other payroll deductions

Estimated monthly take-home

S$2,800.00 Before personal income tax

Monthly breakdown

Gross salary: S$3,500.00
Employee CPF: -S$700.00
Other deductions: -S$0.00
Take-home before tax: S$2,800.00

20% employee + 17% employer CPF

CPF is calculated on S$3,500.00 of monthly ordinary wages.

Employer CPF S$595.00

Skills Development Levy S$8.75

Estimated employer payroll cost S$4,103.75

12-month view

Gross pay S$42,000.00 Take-home before tax S$33,600.00

Before you rely on the number

What this estimate includes

CPF

The calculation uses 2026 contribution rates, the monthly Ordinary Wage ceiling, and CPF Board rounding rules. It covers private-sector and non-pensionable employees.

Income tax

Personal income tax is separate because residency, reliefs, deductions, and other income change the result. The take-home figure above is before income tax.

What is not included

Bonuses, Additional Wages, foreign worker levies, benefits, commissions treated as Additional Wages, and employer-specific payroll items are not calculated.

Check CPF contribution rules Check SDL rules Use the IRAS income tax calculator

Common questions

A few useful limits

Does the take-home figure include income tax?

No. It is a monthly payroll estimate before personal income tax. Use the IRAS calculator for a tax estimate based on your own residency and reliefs.

Why are bonuses not included?

Bonuses and other Additional Wages use an annual CPF ceiling. This page focuses on a normal month of Ordinary Wages so the result stays easy to understand.

What should I put under other deductions?

Use it for deductions that appear on your payslip but are not calculated here, such as self-help group contributions, unpaid leave, or an amount you choose to set aside for tax.