Individual Income Tax Estimator Beta

For Singapore Residents (YA 2026)

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Employment Income

Enter your employment earnings
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$
Your regular annual salary as stated in your IR8A or employment contract — i.e. take-home pay plus your employee CPF contribution. Exclude bonus.
$
Total variable pay for the year — bonuses, AWS, and other non-monthly payments. Leave blank if none. Treated as Additional Wages for CPF purposes.
Total Annual Employment Income (incl. bonus)$0.00
$
Expenses necessarily incurred in performing your employment duties (e.g. professional subscriptions, tools specific to your role). Commuting costs and clothing are generally not allowable.
Net Employment Income$0.00
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Rental Income

Enter your property rental earnings
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$
Use 15% deemed rental expenses?
Deemed Expenses (15%)$0.00
$
When using the 15% deemed rate, you may still claim the actual interest expense on loans taken to purchase or improve the rented property. Enter your annual interest paid.
Net Rental Income$0.00
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Trade, Business, Profession or Vocation

Enter your self-employment / business earnings
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$
$
Expenses wholly and exclusively incurred in producing trade income. Capital expenditure is generally not deductible.
Net Trade Income$0.00
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Other Taxable Income

Dividends, interest, royalties and other gains
▼
$
Singapore-sourced dividends paid by companies under the one-tier tax system are exempt from tax and need not be declared.
$
Interest from deposits (savings, current, or fixed deposit accounts) with approved banks and licensed finance companies in Singapore is not taxable. Enter only taxable interest, such as interest from loans to individuals or companies, or deposits with non-approved institutions.
$
$
Total Other Taxable Income$0.00
Next, enter your donations and personal reliefs to reduce your tax.
Deductions
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Approved Donations
Cash donations to approved IPCs (250% deduction)
$0
▼
ℹ️Cash donations to approved Institutions of a Public Character (IPCs) qualify for a 250% tax deduction.
$
Tax Deduction (250% of donation)$0.00
Personal Reliefs

How would you like to enter your reliefs?

If you already know your total personal reliefs, enter it directly. Otherwise, use the detailed breakdown.

Total Personal Reliefs
$0
Cap Remaining
$80,000
$80,000 annual cap
0%
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Earned Income Relief
For all individuals with employment or trade income
$0
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ℹ️Automatically granted based on your age and earned income. Relief is capped at your actual earned income if lower than the maximum.
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Spouse Relief
For married individuals supporting a low-income spouse
$0
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ℹ️Claimable if your spouse's annual income does not exceed $8,000. Cannot be claimed together with Parent Relief on the same person.
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Qualifying / Handicapped Child Relief (QCR/HCR)
For parents maintaining qualifying or handicapped children
$0
▼
ℹ️$4,000 per qualifying child (QCR); $7,500 per handicapped child (HCR). Both parents combined cannot exceed the per-child maximum — enter only your agreed share.
$
Add up your share across all children.
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Working Mother's Child Relief (WMCR)
For working mothers with Singapore Citizen children
$0
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ℹ️For working mothers with Singapore Citizen children. Born/adopted from 1 Jan 2024: $8,000 / $10,000 / $12,000 for 1st / 2nd / 3rd+ child. Earlier births: 15% / 20% / 25% of earned income per child. Combined QCR + WMCR per child capped at $50,000.
$
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Parent Relief / Parent Relief (Disability)
For individuals maintaining aged or disabled parents/in-laws
$0
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ℹ️For maintaining parents/parents-in-law aged 55+ (or disabled) with annual income ≤ $8,000. Per dependant: Non-disabled — $9,000 (living with you) / $5,500 (not). Disabled — $14,000 (living with you) / $10,000 (not).
$
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Grandparent Caregiver Relief
For working mothers using a grandparent caregiver for young children
$0
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ℹ️For working mothers whose parent/parent-in-law/grandparent looks after their Singapore Citizen child aged 12 and below. Caregiver income ≤ $8,000. Fixed at $3,000.
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Sibling Relief (Disability)
For individuals supporting a handicapped sibling in Singapore
$0
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ℹ️For maintaining a handicapped sibling/sibling-in-law living in Singapore. $5,500 per sibling — enter only your share.
$
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CPF / Provident Fund Relief
For employees and self-employed persons with CPF contributions
$0
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ℹ️Relief equals your compulsory employee CPF contributions on wages up to the Ordinary Wage ceiling ($7,400/month) and Additional Wage ceiling ($102,000 − total OW subject to CPF). OW ceiling: $7,400/month (2025). Annual salary ceiling: $102,000.
CPF on Ordinary Wages (OW)$0.00
CPF on Additional Wages (AW / bonus)$0.00
Estimated CPF Relief$0.00
💡Calculation uses your employment income from the Income tab. Switch to manual entry if your actual CPF contributions differ.
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Life Insurance Relief
For individuals with life insurance policies and CPF contributions below $5,000
$0
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ℹ️Claimable if total compulsory CPF contributions are less than $5,000. Relief = lower of (premiums paid) or ($5,000 − total compulsory CPF contributions), and further capped at 7% of the insured value.
$
$
The 7% of insured value cap applies per policy, not in aggregate. This calculator handles one policy. If you have multiple policies, compute the allowable relief for each separately and enter your total directly using the "Enter Total Directly" option on the Reliefs tab.
Computed Life Insurance Relief$0.00
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CPF Cash Top-up Relief
For cash top-ups to own or family members' CPF SA/RA/MA
$0
▼
ℹ️Cash top-ups to own CPF SA/RA/MA (up to $8,000) + family members' accounts (up to $8,000 more). Total max: $16,000.
$
Capped at $8,000
$
Capped at $8,000 (family income ≤ $8,000 in preceding year)
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SRS (Supplementary Retirement Scheme) Relief
For individuals who made voluntary SRS contributions this year
$0
▼
ℹ️Relief equals actual SRS contributions. Max: $15,300 for Citizens/PRs; $35,700 for foreigners.
$
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NSman Relief (Self / Wife / Parent)
For NSmen, their wives, and their parents
$0
▼
ℹ️
NSman Self Relief is for NSmen claiming on their own service record.
NSman Wife Relief ($750) is for wives of NSmen. Selecting this clears Self Relief.
NSman Parent Relief ($750) is for parents of NSmen.
Rebates
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Parenthood Tax Rebate (PTR)
Rebate — offsets tax payable directly
$0
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ℹ️PTR is a rebate (not a relief) — it reduces your tax payable directly, not your chargeable income. It is not subject to the $80,000 relief cap. Amounts: $5,000 for 1st child, $10,000 for 2nd, $20,000 for 3rd and above. Enter only your share available for this YA (including any unutilised balance carried forward).
$
PTR offsets tax payable. Any unused amount is carried forward to future YAs until fully utilised.
PTR to be applied this YA$0.00
All set! View your full tax calculation.
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Tax Calculation — YA 2026

Net Employment Income$0.00
Net Rental Income$0.00
Net Trade / Business Income$0.00
Other Taxable Income$0.00
Total Income$0.00
Less: Donation Deductions (250%)−$0.00
Assessable Income$0.00
Less: Personal Reliefs−$0.00
Chargeable Income$0.00
Tax on Chargeable Income$0.00
Less: Parenthood Tax Rebate (PTR)−$0.00
Net Tax Payable
$0.00
Payable via GIRO —
$0.00 / month
⚠️ This is an estimate only. Actual tax payable may differ. Always verify your eligibility before claiming reliefs. Any unutilised PTR balance is carried forward to future YAs.
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Personal Relief Breakdown

No reliefs claimed yet.
Total Reliefs (capped at $80,000)$0.00
%

Progressive Tax Breakdown

Enter your income to see the tax breakdown.