Singapore Income Tax Calculator
Estimate your Singapore resident income tax for YA 2026 using current IRAS progressive rates.
What this calculator does
Estimates your Singapore resident income tax liability for YA 2026 by applying IRAS's progressive tax brackets to your chargeable income, showing exactly how much falls in each bracket.
Who this is for
Singapore tax residents (citizens, permanent residents, or foreigners who've worked 183+ days in Singapore) estimating their annual tax bill, anyone comparing a Singapore job offer against other countries, or residents planning ahead for their tax filing.
How this calculator works
Singapore resident income tax runs from 0% on the first S$20,000 of chargeable income up to 24% on the portion above S$1,000,000, in progressive steps — the same overall structure IRAS has used since YA 2024. Chargeable income is your income after allowable deductions, donations, and personal reliefs, not your gross salary.
Worked example
S$80,000 chargeable income: the first S$20,000 is tax-free. The next S$10,000 (to S$30,000) is taxed at 2% = S$200. The next S$10,000 (to S$40,000) at 3.5% = S$350. The next S$40,000 (to S$80,000) at 7% = S$2,800. Total tax = S$200 + S$350 + S$2,800 = S$3,350, an effective rate of about 4.2% on the full S$80,000 — much lower than the 7% bracket rate might suggest, since only the income within each bracket is taxed at that bracket's rate.
Where your income goes
Run the calculator above to see the tax vs. take-home split.
2026 tax bracket breakdown
Run the calculator above to see your income split across brackets.
Common mistakes
- Using gross salary instead of chargeable income. Chargeable income is after reliefs and deductions — your actual tax is usually lower than a naive calculation on gross salary would suggest.
- Assuming Employment Pass holders pay CPF. CPF only applies to citizens and permanent residents; foreigners on an Employment Pass don't contribute to or benefit from CPF.
- Forgetting non-resident rules apply below 183 days. Non-residents face a flat 15% on employment income or resident rates, whichever is higher, plus 24% on most other income types.
- Assuming your top bracket rate applies to your entire income. Only the portion of income within each bracket is taxed at that bracket's rate — your effective (overall) tax rate is always lower than your top marginal bracket rate.
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Frequently Asked Questions
What's the difference between my marginal rate and effective rate?
Your marginal rate is the rate applied to your last (highest) dollar of income. Your effective rate is your total tax divided by your total chargeable income — always lower than your marginal rate, since lower brackets are taxed at lower rates first.
Am I a tax resident in Singapore?
Generally yes if you are a citizen, permanent resident, or have worked in Singapore for 183 days or more in the relevant year. Non-residents are taxed differently.
Does Singapore tax capital gains?
No, Singapore has no personal capital gains tax on shares, property, or other investments for most individual investors.
Does this include CPF contributions?
No, CPF only applies to citizens and permanent residents and is calculated separately from income tax.