Income earned in 2026, assessed in YA 2027, tax residents
Salary after tax
Your salary as a skyscraper
Each floor is a slice of your yearly salary with its own tax rate. Blue is what you keep from that floor; red goes to tax and yellow to contributions. Your marginal rate applies only to the top floor, the next slice of pay you earn. A raise adds floors on top, and the floors below keep their rates.
Yearly amounts. Hover or tap a floor for its numbers. Very thin slices are merged into the floor below; the Marginal rate tab lists every threshold.
Breakdown by pay period
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Your marginal tax rate
Marginal rate is the share of your next unit of salary that goes to tax and payroll deductions. Average rate is the share of your whole salary that does.
Tax brackets apply only to the slice of income that falls inside each one. Moving into a higher bracket raises the rate on the extra income only; everything below keeps its lower rates. That is why the average rate climbs slowly behind the marginal rate.
The marginal rate also moves when a payroll contribution reaches its yearly ceiling (it falls), when an allowance or credit is phased out (it rises), or when a levy phases in.
- Marginal rate
- Average rate
- Your salary
Where your marginal rate changes
Take-home pay at other salaries
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How this is calculated
Rules, rate tables, what's not included, and official sources
- Salary is treated as 12 equal months of ordinary wages with no bonus.
- Employee CPF is charged on monthly ordinary wages up to the $8,000 ceiling, at the rate for your age (20% at 55 and below). It applies to wages above $750 a month.
- Chargeable income is salary minus CPF relief (your employee CPF) and earned income relief ($1,000 below 55, $6,000 from 55 to 59, $8,000 from 60).
- The resident rates below are applied to chargeable income.
| Chargeable income | Rate |
|---|---|
| Up to $20,000 | 0% |
| $20,000 – $30,000 | 2% |
| $30,000 – $40,000 | 3.5% |
| $40,000 – $80,000 | 7% |
| $80,000 – $120,000 | 11.5% |
| $120,000 – $160,000 | 15% |
| $160,000 – $200,000 | 18% |
| $200,000 – $240,000 | 19% |
| $240,000 – $280,000 | 19.5% |
| $280,000 – $320,000 | 20% |
| $320,000 – $500,000 | 22% |
| $500,000 – $1,000,000 | 23% |
| Over $1,000,000 | 24% |
Not included
- One-off personal income tax rebates announced in the Budget (none has been confirmed for YA 2027 as of the date above).
- Other reliefs such as parent, child, spouse, SRS and course fees.
- Graduated CPF rates for PRs in their first two years, and non-resident tax rates.
For CPF members your employer also contributes CPF on top of salary (17% at age 55 and below, on wages up to $8,000 a month).
Sources
- IRAS — Individual income tax rates
- IRAS — Earned income relief
- CPF Board — How much CPF contributions to pay
Rates last checked against these sources on 2026-09-30.