ℹ️Select all income types that apply. You can tick more than one.
⚠️Please select at least one income type.
Determines your CPF/MediSave contribution rate. Note: SEP MediSave rates officially use age as at 1 January — for most people this is the same, but if your birthday falls during the year, there may be a minor difference.
⚠️ First- and second-year PRs have reduced CPF rates. This tool uses 3rd-year-onwards rates. Verify with CPF Board if you became a PR in 2023 or 2024.
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Employment Income & CPF
ℹ️Relief is based on your compulsory employee share of CPF. OW ceiling: $7,400/month (2025).
$
Fixed monthly salary including allowances. Capped at $7,400 for CPF.
$
Bonus, commission, leave pay. AW ceiling = $102,000 minus annual OW subject to CPF.
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If you have multiple employers, each applies the OW ceiling separately. You may enter your total actual CPF deducted below.
$
Computed Employee CPF$0.00
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Self-Employment Income
ℹ️Compulsory MediSave is based on NTI and age. From YA 2026, the full amount qualifies for tax relief.
$
Gross trade income minus business expenses. No compulsory MediSave if NTI ≤ $6,000.
I receive a government pension
Pensioners have a lower MediSave rate cap of 6% (max $5,328) for NTI above $18,000.
Compulsory MediSave$0.00
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Platform Worker Income & CPF
I opted in to increased CPF (OA + SA + MA)
If not opted in, only MediSave contributions apply.
ℹ️Relief is on your worker share only — platform operator contributions are not taxable.
$
Capped at $102,000 per platform operator for CPF.
Worker Share CPF (2025 rate)$0.00
ℹ️Non-opted-in PWs contribute MediSave only, at SEP rates.
$
MediSave on Platform Earnings$0.00
⚠️From 2025, CPF Board excludes net platform earnings from SEP NTI. Enter only non-platform trade income above.
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Voluntary CPF Contributions
ℹ️SEPs and PWs: relief is the lowest of (a) 37% of NTI minus compulsory MediSave, (b) Annual Limit headroom, or (c) actual contribution.
💡From 1 Jan 2022, employees cannot claim CPF Relief on voluntary OA/SA contributions. Voluntary MediSave is claimed under RSTU below.
$
Do not include RSTU cash top-ups (entered below).
Voluntary CPF relief allowed$0.00
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CPF Cash Top-up Relief (RSTU)
ℹ️Up to $8,000 for self + $8,000 for family = $16,000 max. Separate from Annual Limit.
$
Some/all received MRSS grant
$
$
Spouse, siblings, parents, grandparents. Their income ≤ $8,000 in 2024.
