Income Tax Optimizer

Your 2026 CPF deduction, with YA2026 income tax shown as a monthly set-aside.

Your monthly salary

01

Gross pay before CPF, in Singapore dollars.

Your age group

02

Sets your CPF contribution rate.

You keep
S$ 4,905 / month

CPF uses rates effective 1 Jan 2026. Income tax uses YA2026 rates for income earned in 2025, shown monthly for comparison.

GrossS$6,000
CPFS$1,200
TaxS$95
You keepS$4,705
Income tax S$1,140 / yr 1.6% of your pay
To your CPF S$1,200 / mo 20% employee rate

Your next dollar is taxed at 7%.

Tax uses YA2026 resident rates; CPF uses contribution rates effective 1 Jan 2026. Source parameters: IRAS and CPF Board. Verified 12 Sep 2026.

Ways you could pay less tax

Not loopholes. These are legitimate YA2026 deductions and reliefs worth checking before you file.

At your current income, a S$1,000 deduction could reduce your tax by S$70 / year
Put money into SRSUp to S$15,300 for citizens and PRs · partly tax-deferred S$0possible tax reduction

The annual cap is S$15,300 for Singapore citizens and PRs, or S$35,700 for foreigners. At or after the prescribed retirement age, 50% of withdrawals are taxable; other scheme conditions apply.

SRS relief counts towards the S$80,000 personal relief cap. Source: IRAS

Top up CPF in cashUp to S$8,000 for yourself S$0possible tax reduction

You can claim up to S$8,000 for eligible cash top-ups to your own CPF and another S$8,000 for eligible family members, subject to the FRS or BHS top-up room. Spouse and sibling recipients must generally have earned no more than S$8,000 in the preceding year.

Matched Retirement Savings Scheme top-ups do not receive relief from YA2026. CPF cash top-up relief counts towards the S$80,000 personal relief cap. Source: IRAS

Donate to an approved IPCA S$1,000 gift gives a S$2,500 deduction S$0tax reduction on S$1k gift

Qualifying donations made from 1 Jan 2024 to 31 Dec 2026 receive a 250% deduction. Give the IPC your NRIC or FIN so it can be recorded automatically; unused deductions may carry forward for up to five years.

The deduction is against statutory income before personal reliefs, so it sits outside the S$80,000 personal relief cap. A donation still costs more than its tax reduction. Source: IRAS

Support a parentS$9,000 relief if one eligible parent lives with you S$0possible tax reduction

Parent Relief is S$9,000 when the dependant lives with you, or S$5,500 when they do not, for up to two dependants. The dependant must generally live in Singapore, be 55 or older, and have annual income below S$8,000.

Disability variants are S$14,000 living with you or S$10,000 not living with you, with no age or income requirement. Source: IRAS

Claim for an eligible childS$4,000 Qualifying Child Relief S$0possible tax reduction

QCR is S$4,000 per eligible child; Child Relief (Disability) is S$7,500. The child must be unmarried and a Singapore citizen, and generally have annual income of no more than S$8,000.

For working mothers, WMCR for a child born or adopted on or after 1 Jan 2024 is S$8,000 for the first child, S$10,000 for the second and S$12,000 for each subsequent child. Older children use the 15% / 20% / 25% earned-income formula. Per-child and earned-income limits apply. Source: IRAS

Check your NSman reliefS$1,500 to S$5,000, usually automatic S$0–S$0possible tax reduction range

General NSmen receive S$1,500 without eligible NS activity or S$3,000 with activity. Key command and staff appointment holders receive S$3,500 or S$5,000 respectively. NSman Wife Relief and NSman Parent Relief are S$750 each.

IRAS usually grants the relief automatically from MINDEF, SPF or SCDF records. Source: IRAS

Before acting: the figures above compare this calculator’s current estimated tax with the stated deduction. Your eligibility, other income and reliefs can change the result; personal reliefs are collectively capped at S$80,000. Life Insurance Relief is also worth checking if your total CPF contributions were below S$5,000; its amount depends on CPF paid, eligible premiums and insured value. Check the IRAS formula.

Two old tips no longer apply: Foreign Domestic Worker Levy Relief lapsed from YA2025, and Course Fees Relief was discontinued from YA2026.

How this estimate works

This combines two planning views: employee CPF using rates effective 1 Jan 2026, and a YA2026 income-tax estimate for income earned in 2025. The tax view annualises your monthly gross pay, subtracts estimated employee CPF and automatic earned income relief, then applies YA2026 progressive rates.

What is not modelled: bonuses, the additional-wage CPF ceiling, non-employment income, other reliefs, and individual circumstances. CPF and earned-income-relief age tests are not identical; for this simple estimate, the “55 & below” chip uses S$1,000 relief and “Above 55–60” uses S$6,000. At the exact age boundaries, your assessed relief may differ.

Sources: Inland Revenue Authority of Singapore (resident rates, rebates and reliefs) and Central Provident Fund Board (2026 employee rates and ceilings). Estimate only, not tax advice.