Take-Home Pay Calculator (Singapore, 2026)
Work out your net monthly salary after employee CPF — by age band, with the 2026 $8,000 wage ceiling applied — then see how it splits across needs, wants and savings.
Open the free calculator →"How much of my salary do I actually get?" is usually the first money question anyone working in Singapore asks. The answer is simpler than in most countries — one CPF deduction, no monthly tax withholding — but the CPF percentage depends on your age, your residency status, and the wage ceiling, all of which changed as recently as January 2026. This calculator applies the current rules so you can see your real number.
What this calculator does
- Computes your employee CPF deduction using official 2026 rates for your age band, with the $8,000/month Ordinary Wage ceiling applied.
- Shows your take-home pay after CPF — the amount that actually lands in your bank account each month.
- Splits your take-home across the 50/30/20 needs/wants/savings framework and builds a category-by-category budget from it.
How take-home pay works in Singapore
For most employees (Singapore Citizens and 3rd-year-onward PRs), exactly one thing is deducted from your monthly salary: your employee CPF contribution. In 2026 the employee share is:
| Age band | Employee share | Take-home on $6,000 gross |
|---|---|---|
| 55 and below | 20% | $4,800 |
| Above 55 to 60 | 16% | $5,040 |
| Above 60 to 65 | 12.5% | $5,250 |
| Above 65 to 70 | 9% | $5,460 |
| Above 70 | 7.5% | $5,550 |
Your employer adds their own contribution (17% for age 55 and below) on top of your gross salary — it never touches your take-home, but it does grow your CPF accounts. On a $6,000 salary, $1,200 comes out of your pay and $1,020 more comes from your employer, so $2,220 flows into your CPF each month.
The wage ceiling: why high earners keep more than 80%
CPF is only deducted on ordinary wages up to $8,000 a month (the ceiling rose from $7,400 on 1 January 2026, the final step of the increase that began in 2023). Earn $9,000 and your deduction is still capped at 20% × $8,000 = $1,600, leaving $7,400 take-home — an effective deduction of about 17.8%, not 20%. Bonuses attract CPF separately, up to the $102,000 annual salary ceiling less ordinary wages already subject to CPF.
Worked example
A 30-year-old Singapore Citizen earning $6,000/month: employee CPF is 20% × $6,000 = $1,200, so take-home is $4,800. On the 50/30/20 guide applied to take-home, that's up to $2,400 for needs, $1,440 for wants and $960 for savings and investments. The calculator lets you replace those guide ratios with your actual expense categories to see your real monthly surplus.
What about income tax?
Here's the part that surprises people who've worked overseas: Singapore employers generally don't withhold income tax from your monthly salary. You keep the full after-CPF amount, and IRAS bills you separately after your annual Notice of Assessment — payable as a lump sum or by interest-free GIRO instalments. Resident rates for YA2026 are progressive from 0% (first $20,000 of chargeable income) up to 24% at the top band, and most residents' effective rate is far below their top bracket after reliefs. Set aside a small slice of each month's pay for the tax bill if you prefer to smooth it.
Common mistakes and good to know
- Using the 37% figure for take-home. The combined 37% CPF rate includes the employer's 17%, which never comes out of your salary. Only your 20% employee share reduces take-home.
- Forgetting the age step-downs. From the month after your 55th birthday your employee share falls to 16%, so take-home rises — the calculator applies the band for the age you enter.
- Applying CPF to the whole of a big salary. Above $8,000/month ordinary wages, the excess attracts no CPF — high earners' effective deduction rate falls below the headline 20%.
- New PRs using full rates. First- and second-year PRs are on graduated (lower) contribution rates, so their take-home is higher than the standard table suggests during those two years.
- Treating gross bonus as spendable. Bonuses attract employee CPF too (up to the annual ceiling), so the December windfall is smaller in the bank than on paper.
Official sources and verification
- CPF Board — How much CPF contributions to pay
- CPF Board — Ordinary Wage ceiling ($8,000 from 2026)
- IRAS — Individual income tax rates
Direct links to the relevant official pages. Rules and rates change; last checked 23 July 2026. Always confirm against the official source.
Open the free calculator →Frequently asked questions
How do I calculate take-home pay in Singapore?
Take-home pay is your gross monthly salary minus your employee CPF contribution. For a Singapore Citizen or 3rd-year-onward PR aged 55 or below in 2026, the employee share is 20% of wages up to the $8,000 Ordinary Wage ceiling — so a $6,000 salary gives roughly $4,800 take-home. Income tax is generally not deducted from your monthly salary in Singapore; IRAS bills it separately after your annual assessment.
Is income tax deducted from my monthly salary in Singapore?
Generally no. Unlike many countries, Singapore employers do not withhold income tax from monthly pay (except in specific cases such as some foreign employees leaving Singapore). You receive your salary after CPF only, then pay income tax to IRAS after the annual Notice of Assessment, either as a lump sum or interest-free GIRO instalments.
What is the maximum CPF deduction from my salary in 2026?
From 1 January 2026 the Ordinary Wage ceiling is $8,000/month, so the maximum employee CPF deduction for those aged 55 and below is 20% × $8,000 = $1,600 a month. Earnings above $8,000/month do not attract CPF on the excess ordinary wages.
Does this calculator include income tax?
No — it shows take-home pay after CPF, which is what actually arrives in your bank account monthly in Singapore. Because income tax here is assessed annually and billed by IRAS rather than withheld from salary, it isn't part of your monthly payslip deduction. The SRS calculator covers one common way to reduce that annual tax bill.