Compare two salaries or job offers (2026)

Put two job offers side by side and see the take-home pay for each, after CPF and the year's income tax.

Salary

More take-home

Salary

Citizens and Permanent Residents pay CPF; a Permanent Resident pays less in the first two years. A foreigner pays no CPF.

Your age on 31 December 2026

Your age at the end of the year sets your Earned Income Relief, as IRAS tests it, and your CPF rates. The CPF rates are those for your age band all year: a birthday that moves you into the next CPF band during the year is not modelled.

Your tax residency

Citizens and Permanent Residents who live here are tax residents, and so is a foreigner who works here for most of the year. IRAS decides it from the days you are in Singapore.

Self-help group contribution

Your employer deducts it each month for the community fund your race or religion names, unless you have opted out with the group.

Your employer's share of CPF is paid on top of each salary into your CPF accounts and is not part of your take-home, so it is not in this comparison.

Offer B pays more each month

+$372.00

take-home a month more with Offer B, after CPF and income tax.

2026 income · Citizen

	Offer A	Offer B	Better
Take-home a month	$3,913.33	$4,285.33	B
Take-home a year	$46,960.00	$51,424.00	B
Marginal rate	18.2%	18.2%	—

Side by side

Where each offer's money goes

Offer A · $60,000

Take-home78.3%Employee CPF20.0%Income tax (billed by IRAS)1.7%

Offer B · $66,000

Take-home77.9%Employee CPF20.0%Income tax (billed by IRAS)2.1%

How it is worked out

What these figures are, and what they are not

Your employer takes employee CPF from each month's wages: on your ordinary pay up to the monthly Ordinary Wage ceiling, and on a bonus or one-off payment up to the year's Additional Wage ceiling, at the rates for your CPF status and age. Any self-help group contribution is a few dollars a month, taken the same way. Nothing else is taken from your pay.

Rules v2026.0 · checked against IRAS and the CPF Board on 18 September 2026Two independent checks on every rate · 165 hand-derived Singapore cases, beside 5,185 generated Single official source: how income tax is rounded within a band is stated only in IRAS's Income Tax Calculator for Tax Resident Individuals YA 2026, and the IRAS worked examples this site is tested against, which no figure here is computed from, appear only on its pages ‘Sample Income Tax calculations’ and ‘Central Provident Fund (CPF) Relief for employees’. A second source is being sought, and they are reviewed again by 25 January 2027. · Changelog

Questions

Common questions

Is a higher salary always better?

Not always by as much as it looks. Each extra dollar pays CPF up to the ceilings and income tax at your band's rate, so the table shows what each offer leaves you and the rate on your next dollar of each.

How is income tax worked out in Singapore?

On your income for the whole year, assessed by IRAS after the year ends: your 2026 income is taxed in Year of Assessment 2027. A tax resident pays nothing on the first $20,000 of chargeable income, then rates rising from 2% to 24% on income above $1,000,000. Income tax is not taken from your pay; IRAS sends you a bill.

How much CPF do I pay?

As a Citizen, or a Permanent Resident from the third year, aged 55 or under, you pay 20% of your wages and your employer adds its own share on top, 37% in all. CPF on your ordinary pay stops at the Ordinary Wage ceiling of $8,000 a month, and CPF on all your wages for the year stops at $102,000. A foreigner pays no CPF.

SourcesIncome Tax Act 1947, Second Schedule Part A, Table 3 (Singapore Statutes Online, Attorney-General's Chambers)Income Tax Act 1947 section 39(1) (Singapore Statutes Online)CPF Board, CPF Contribution Rate Table from 1 January 2026 (PDF, five tables and their notes)CPF Board, Contributions to self-help groups, 'SHG contribution rates' and 'Who should contribute to the SHG funds?'Employment Act 1968 section 26(1) (Singapore Statutes Online)

MyNetIncome gives estimates, not tax or financial advice. Figures follow the rules of IRAS and the CPF Board for income earned in 2026; your payslip and your tax bill can differ because of reliefs, rebates or deductions this page does not ask about. Not affiliated with or endorsed by IRAS or the CPF Board.Estimates, not tax or financial advice. Your payslip and tax bill can differ. Not affiliated with IRAS or the CPF Board.