Singapore Salary After Tax Calculator 2025 | Take Home Pay Calculator SGD

  • Adam
  • November 2, 2025

Calculate your salary after tax in Singapore for 2025. Free take-home pay calculator with income tax, CPF contributions & tax rebates. Latest IRAS rates for residents & non-residents.

Singapore Salary After Tax Calculator 2025

Calculate your take-home pay in Singapore for 2025. This comprehensive salary after tax calculator helps you determine your net income after income tax, CPF (Central Provident Fund) contributions, and applicable tax rebates. Get accurate results based on the latest IRAS tax rates and 2025 tax brackets.

Salary After Tax Calculator

How to Use This Calculator

1 Enter Your Annual Gross Salary: Input your total annual income before any deductions in Singapore dollars.
2 Select Your Age Group: Choose your age group as CPF contribution rates vary significantly by age, affecting your total deductions.
3 Confirm Your Tax Residency Status: Select whether you are a Singapore tax resident. Residents enjoy lower tax rates and tax reliefs not available to non-residents.
4 Select Your Pay Period: Choose how frequently you receive payment (annual, monthly, semi-monthly, or weekly).
5 Click Calculate: Press the "Calculate Take-Home Pay" button to see your detailed breakdown of income tax, CPF contributions, tax rebates, and net income.

Understanding Singapore Income Tax 2025

Singapore uses a progressive tax system with income taxed at different rates depending on your income level and residency status. The Inland Revenue Authority of Singapore (IRAS) administers the tax system. Singapore's tax system is known for being efficient and business-friendly, with no capital gains tax, wealth tax, or estate duties.

2025 Income Tax Brackets for Residents

For Year of Assessment (YA) 2025, Singapore offers competitive tax rates with progressive brackets. Tax is calculated cumulatively on chargeable income. Note that Singapore does not have a tax-free threshold; however, the first S$20,000 is taxed at 0%:

2025 Singapore Income Tax Rates (Residents)
• 0% on first S$20,000
• 2% on S$20,001 to S$30,000
• 3.5% on S$30,001 to S$40,000
• 7% on S$40,001 to S$80,000
• 11.5% on S$80,001 to S$120,000
• 15% on S$120,001 to S$160,000
• 18% on S$160,001 to S$200,000
• 19% on S$200,001 to S$240,000
• 19.5% on S$240,001 to S$280,000
• 20% on S$280,001 to S$320,000
• 22% on S$320,001 to S$500,000
• 23% on S$500,001 to S$1,000,000
• 24% on income over S$1,000,000

Non-Resident Tax Rates

Non-residents in Singapore are taxed at higher flat rates on different types of income. Employment income for non-residents is taxed at a flat rate of 15% on the first S$22,000, then progressive rates apply above that threshold.

CPF (Central Provident Fund) 2025

CPF is a mandatory savings scheme for retirement, housing, healthcare, and insurance. Both employees and employers contribute monthly, with rates varying by age. From January 2025, the rates are:

2025 CPF Contribution Rates
Age 55 and Below:
Employee: 20% | Employer: 17% | Total: 37%

Age 55-60:
Employee: 17% | Employer: 15.5% | Total: 32.5%

Age 60-65:
Employee: 11.5% | Employer: 12% | Total: 23.5%

Age 65-70:
Employee: 7.5% | Employer: 9% | Total: 16.5%

Age 70+:
Employee: 5% | Employer: 7.5% | Total: 12.5%

CPF Monthly Salary Ceiling: S$7,400
Formula: \( \text{CPF Employee} = \min(\text{Monthly Salary}, 7,400) \times \text{Employee Rate} \)

Tax Rebate for 2025

Singapore residents for YA 2025 will receive a tax rebate of 60% of their tax payable, capped at S$200. This effectively reduces your tax liability by up to S$200.

Tax Rebate Calculation 2025
Tax Rebate = 60% of tax payable (capped at S$200)

Example: If your calculated tax is S$400
Rebate = 60% × S$400 = S$240, but capped at S$200
Tax payable after rebate = S$400 - S$200 = S$200

Formula: \( \text{Tax After Rebate} = \text{Tax Payable} - \min(\text{Tax Payable} \times 0.60, 200) \)

CPF Relief

CPF contributions are eligible for tax relief. Employee CPF contributions reduce your chargeable income, providing significant tax savings. Additionally, voluntary contributions to your CPF account or your spouse's CPF account can provide additional tax relief.

Take-Home Pay Calculation Method

Your net income or take-home pay is calculated by subtracting all deductions from your gross salary:

Net Income Formula
\( \text{Net Income} = \text{Gross Salary} - \text{Income Tax (after rebate)} - \text{Employee CPF} \)

Where:
• Gross Salary = Your total annual income
• Income Tax = Tax based on progressive brackets on chargeable income
• Chargeable Income = Gross Income - CPF Relief - Other Reliefs
• Employee CPF = Age-based percentage (capped at S$7,400 monthly salary)
• Tax Rebate = 60% of tax (max S$200)

Effective Tax Rate

Your effective tax rate is your total income tax paid divided by your gross income. This is typically lower than your marginal tax rate (the rate applied to your last dollar of income) due to the progressive nature of Singapore's tax system:

Tax Rate Formulas
\( \text{Effective Tax Rate} = \frac{\text{Total Tax Paid}}{\text{Gross Income}} \times 100\% \)

\( \text{Effective Tax + CPF Rate} = \frac{\text{Total Tax + CPF}}{\text{Gross Income}} \times 100\% \)

Frequently Asked Questions

What is the difference between gross salary and net salary in Singapore?
Gross salary is your total income before any deductions, while net salary (take-home pay) is what remains after income tax, CPF contributions, and tax rebates. Your net salary is the actual amount paid to your bank account.
Does Singapore have a tax-free threshold?
Singapore does not have a personal income tax-free threshold. However, the first S$20,000 of your income is taxed at 0%, providing a significant tax benefit for lower earners. Tax starts applying from S$20,001 onwards at progressive rates.
What is CPF and why do I pay it?
CPF (Central Provident Fund) is a mandatory savings scheme managed by the Singapore government. Your employee contribution (20% if under 55) is saved for your retirement, housing (HDB), healthcare (MediSave), and disability insurance (CI). Your employer also contributes an equal percentage.
Is my CPF contribution tax-deductible?
Yes. Your employee CPF contributions are eligible for tax relief. This means your chargeable income (on which tax is calculated) is reduced by your CPF contribution. For example, if you earn S$100,000 and contribute S$20,000 to CPF, your chargeable income is S$80,000.
How much is the CPF monthly salary ceiling?
The CPF monthly salary ceiling for 2025 is S$7,400. If your monthly salary exceeds S$7,400, CPF is only calculated on S$7,400. For example, if you earn S$10,000, CPF is calculated on S$7,400, not S$10,000.
What is the 2025 tax rebate in Singapore?
For Year of Assessment 2025, Singapore residents receive a tax rebate of 60% of their tax payable, capped at S$200. This means your tax liability is reduced by up to S$200. For example, if you owe S$400 in tax, the rebate reduces it to S$200.
What is the highest income tax bracket in Singapore?
The highest income tax bracket in Singapore for 2025 is 24%, which applies to chargeable income exceeding S$1,000,000. Singapore's top tax rate of 24% is competitive globally, making it attractive for high-net-worth individuals and professionals.
How are bonuses taxed in Singapore?
Bonuses are included in your annual chargeable income and taxed at the same progressive rates as salary. They are not taxed separately. CPF contributions also apply to bonuses (if earned), subject to the monthly salary ceiling. The employer typically withholds taxes on bonuses during payment.
What deductions and reliefs are available?
Common tax reliefs in Singapore include: CPF relief (mandatory employee contributions), CPF top-up relief (voluntary), life insurance relief, parent relief, disabled person relief, charitable donation relief (250% deduction), and course fees relief (up to S$5,500/year). These reduce your chargeable income, lowering your tax liability.
How accurate is this salary calculator?
This calculator provides estimates based on 2025 IRAS tax brackets, CPF rates, and tax rebates. It does not account for bonuses, additional tax relief claims, or other personal circumstances. For precise calculations, use the IRAS tax calculator or consult a tax professional.

Official Sources & Important Links

All calculations are based on official 2025 rates from the Inland Revenue Authority of Singapore (IRAS) and Singapore Government:

Helpful Tax Resources:

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