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🇸🇬 Singapore Income Tax Calculator 2025
Singapore's resident income tax is progressive and starts gently: the first S$20,000 of chargeable income is tax-free, then rates climb in small steps from 2% up to 24% on income above S$1,000,000. Most working residents also contribute to CPF, the Central Provident Fund, at 20% of wages (for those 55 and under), capped at the S$102,000 Annual Wage Ceiling. Unlike income tax, CPF isn't lost: it's deducted from your paycheque but stays in your own CPF account for retirement, housing, and healthcare, and the compulsory portion also reduces your taxable income via CPF Relief.
Singapore Income Tax Brackets
| Income band | Rate |
|---|---|
| S$0 – S$20,000 | 0.00% |
| S$20,000 – S$30,000 | 2.00% |
| S$30,000 – S$40,000 | 3.50% |
| S$40,000 – S$80,000 | 7.00% |
| S$80,000 – S$120,000 | 11.50% |
| S$120,000 – S$160,000 | 15.00% |
| S$160,000 – S$200,000 | 18.00% |
| S$200,000 – S$240,000 | 19.00% |
| S$240,000 – S$280,000 | 19.50% |
| S$280,000 – S$320,000 | 20.00% |
| S$320,000 – S$500,000 | 22.00% |
| S$500,000 – S$1,000,000 | 23.00% |
| S$1,000,000 and above | 24.00% |
Take-home pay examples
| Gross / year | Net / year | Net / month |
|---|---|---|
| S$60,000 | S$46,890 | S$3,908 |
| S$90,000 | S$69,210 | S$5,768 |
| S$120,000 | S$93,996 | S$7,833 |
| S$180,000 | S$145,710 | S$12,143 |
Employee figures only, standard deductions applied. Pension contributions, benefits in kind, and other personal factors are not included.
Frequently Asked Questions
What is CPF?
CPF (Central Provident Fund) is Singapore's mandatory savings scheme. Employees aged 55 and under contribute 20% of wages, capped at the S$102,000 Annual Wage Ceiling. Unlike tax, the money isn't gone: it sits in your own CPF account for retirement, housing, and healthcare, though it does reduce your take-home pay the same way a deduction would.
Do CPF contributions reduce my tax?
Yes. Compulsory employee CPF contributions qualify for CPF Relief, which reduces your taxable income by the same amount, on top of the cap that already applies to CPF itself.
What if I'm not a tax resident?
Non-residents are taxed differently: typically a flat 15% on employment income or the resident progressive rates, whichever gives a higher tax bill, with no tax-free first S$20,000. This calculator models resident rates only.