Your monthly salary
01Gross pay before CPF, in Singapore dollars.
Income Tax Calculator
Your YA2027 tax bill, and how to shrink it before 31 December.
Your age
02Sets your CPF contribution rate and earned income relief.
Your income tax bill
S$
1,140
/ yr
About S$95 a month over 12 interest-free GIRO instalments.
GrossS$10,000
CPFS$1,600
Income taxS$469
You keepS$7,931
Income tax isn't deducted from your salary. This is what you'd pay IRAS each month on 12 interest-free GIRO instalments.
To your CPF
S$1,200 / mo
20% employee rate
Reliefs claimed
S$2,200
of the S$80,000 cap
Your next dollar is taxed at 7%.
Tax uses YA2027 resident rates (2026 income); CPF uses contribution rates effective 1 Jan 2026. Source parameters: IRAS and CPF Board. Verified 13 Sep 2026.
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Tax Relief Optimizer
How should you split cash between SRS and CPF top-ups before 31 December to save the most tax?
Cash you can deploy
Money you could put into SRS or CPF top-ups by 31 December.
Contribution room left
SRSS$15,300
CPF top-ups, your accountsS$8,000
CPF top-ups, familyS$8,000
Best split for your S$10,000
Tax savedS$0 / yr
New tax billS$0 / yr
Relief cap leftS$0
Ways you could pay less tax
Not loopholes. These are legitimate YA2027 deductions and reliefs worth checking before you file.
Reliefs shrink the income you are taxed on, not the tax itself. A S$1,000 relief at your 7% rate saves S$70. Most reliefs share one S$80,000 cap.
Automatic
Earned income relief S$1,000 is already subtracted in your number above.
Did you serve NS?S$1,500 to S$5,000Usually automatic S$0less tax a year
S$1,500 without NS activity in the year, S$3,000 with it. Command holders get S$3,500 or S$5,000.
Usually automatic from MINDEF, SPF or SCDF records. Nothing to file.
Topping up CPF in cash?Up to S$8,000 relief for yourselfOne action S$0less tax a year
Up to S$8,000 for your own top-ups, plus S$8,000 for eligible family members. Deadline: 31 Dec.
Counts toward the S$80,000 cap.
Putting money in SRS?Up to S$15,300 reliefOne action S$0less tax a year
Contribute by 31 Dec. From retirement age, only 50% of withdrawals are taxed.
Counts toward the S$80,000 cap.
Supporting a parent aged 55 or older?S$9,000 living with you, S$5,500 if notCheck if you qualify S$0less tax a year
Up to two dependants. They must live in Singapore and earn below S$8,000 a year.
Have an eligible child?S$4,000 per childCheck if you qualify S$0less tax a year
Unmarried, Singapore citizen, earning no more than S$8,000.
Working mums: S$8,000 for the first child, S$10,000 for the second, S$12,000 after that (born from 2024).
Given to charity?A S$1,000 gift gives a S$2,500 deductionOne action S$0less tax a year
250% deduction on IPC donations through 31 Dec 2026. Give the IPC your NRIC so it is recorded.
Outside the S$80,000 cap. The gift still costs more than the tax saved.
Also worth checking: Life Insurance Relief, if your total CPF contributions were below S$5,000. IRAS formula
Before you file
- Nothing to do: earned income and NSman reliefs are usually automatic.
- By 31 Dec: top up CPF or SRS if you want the relief this year.
- When filing: claim the parent and child reliefs you qualify for.
- Donating: give the IPC your NRIC so it is recorded automatically.
Two old tips no longer apply: Foreign Domestic Worker Levy Relief lapsed from YA2025, and Course Fees Relief was discontinued from YA2026.
Common questions
What is a Year of Assessment (YA)?
Your YA2027 tax is computed on income you earned in 2026. E-filing for YA2027 typically closes in mid-April 2027.
How can I legally pay less income tax in Singapore?
Common moves the optimizer models: CPF cash top-ups, SRS contributions and charitable donations — each reduces your chargeable income. Try them above to see the saving.
Is income tax deducted from my monthly salary?
No. Your employer deducts CPF, not income tax. IRAS bills you after you file each year, and you can pay in one lump sum or up to 12 interest-free GIRO instalments.
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