Singapore Tax year 2026
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mynetincome

Pay rise calculator 2026

See what a pay rise really adds to your monthly take-home pay after CPF and the year's income tax.

Your CPF status
Citizens and Permanent Residents pay CPF; a Permanent Resident pays less in the first two years. A foreigner pays no CPF.
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.
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.
Your employer deducts it each month for the community fund your race or religion names, unless you have opted out with the group.
Your pay rise, after tax
+$186.00
a month more in your pocket, from $3,913.33 to $4,099.33
2026 income · Citizen
Rise before tax$3,000.00
You keep$2,232.00
Taken in deductions$768.00
Of your $3,000.00 rise74.4% kept
Kept $2,232.00Employee CPF $600.00Income tax (billed by IRAS) $168.00
Compare rises

Different rises on $60,000

RiseBefore taxAfter tax a yearA month (the year ÷ 12)Kept
2%$1,200.00$892.80$74.4074.4%
3%$1,800.00$1,339.20$111.6074.4%
4%$2,400.00$1,785.60$148.8074.4%
5%$3,000.00$2,232.00$186.0074.4%
10%$6,000.00$4,464.00$372.0074.4%
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

Will a pay rise push me into a higher tax band?

Only the part of your chargeable income inside each band is taxed at that band's rate. Your whole salary never moves into a higher band. Above the Ordinary Wage ceiling a rise pays no more CPF, so more of it is kept.

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.

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.

Estimates, not tax or financial advice. Each figure follows that country’s own official tax rules; what your employer pays can differ.