YA 2026 ‧ IRAS Verified ‧ Updated June 2026

Singapore Personal Income Tax Calculator 2026 — IRAS Chargeable Income, Payslip CPF Deductions, Take-Home Pay & myTax Portal e-Filing

The most comprehensive YA 2026 personal income tax calculator for Singapore tax residents and non-residents — computes assessable income, applies all 12 IRAS-approved reliefs (capped at S$80,000), auto-calculates CPF by age group, shows effective vs marginal tax rate, and generates a branded PDF report. Updated for Budget 2026: no personal tax rebate for YA 2026.

0% – 24%
YA 2026 Progressive Tax Rates (IRAS)
S$80,000
Annual Personal Relief Cap (all reliefs)
S$8,000
2026 CPF Monthly Ordinary Wage Ceiling
18 Apr
YA 2026 e-Filing Deadline (myTax Portal)
⚠️ No personal income tax rebate for YA 2026. The 60%-of-tax-payable rebate (capped at S$200) applied only to YA 2025. Budget 2026 did not extend it — plan your liability using the full progressive rates and available relief claims below.
Singapore Personal Income Tax Estimator — YA 2026 (IRAS Official Rates)
👤 Your Tax Profile
Residents pay progressive 0–24% with full relief eligibility. Non-residents: 15% flat on employment income or progressive rates, whichever is higher; other income at 24%.
Affects Earned Income Relief bracket
💼 Income Sources (January – December 2025)
S$
Annual salary, fixed allowances, benefits-in-kind. Do NOT deduct CPF here — calculator handles it.
S$
Annual Wage Supplement, performance bonus, sales commission received in 2025.
S$
Calculator auto-applies IRAS 15% deemed rental deduction on gross amount.
S$
Trade income, director fees (if resident), commission, taxable interest, etc.
S$
Most salaried employees = S$0
S$
Enter actual amount; 2.5x applied automatically
🏢 CPF / Provident Fund Relief
S$
Find on your CPF statement (employee portion only, not employer share).
🎁 Personal Reliefs (Tax Residents Only — S$80k cap)
S$
S$2,000 (spouse income <S$4k); S$5,500 handicapped
S$
S$9k stay-in, S$5,500 not stay-in, S$14k handicapped stay-in
S$
S$3,000 if grandparent looks after child under 12
S$
Max S$5,000; only claimable if CPF <S$5,000
S$
Max S$15,300 (residents); S$35,700 (foreigners)
S$
Max S$5,500 for approved work-related courses
S$
2x levy paid; for married/divorced/widowed female taxpayers
S$
Max S$8,000 (self) + S$8,000 (family members)
🧮
Your Tax Estimate Appears Here

Fill in your income and relief details, then click Calculate Tax to see your YA 2026 chargeable income, effective rate, monthly take-home pay, and full bracket breakdown.

YA 2026 Tax Estimate IRAS YA 2026 — No Rebate
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Income Tax Payable (Annual)
—
Effective Tax Rate
—
Assessable Income
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Chargeable Income
—
Monthly Tax
—
Est. Monthly Take-Home
—
Marginal Rate
Personal Relief Usage vs S$80,000 IRAS Cap —
S$0 used of S$80,000 cap S$80,000 max
⚠ Relief cap exceeded by —. IRAS will restrict total reliefs to S$80,000 for YA 2026.
🏢 Employee CPF Contribution (annual) —
Reliefs Breakdown
📊 Tax Bracket Breakdown — YA 2026 IRAS Progressive Rates
Chargeable Income Band Rate Amount in Band Tax
Income Allocation — Tax vs CPF vs Take-Home

Understanding Singapore Personal Income Tax YA 2026 — IRAS Progressive Rates, Form IR8A Payslip CPF Deductions & Take-Home Pay Calculation

Singapore’s personal income tax is administered by the Inland Revenue Authority of Singapore (IRAS) and governed by the Income Tax Act 1947. It operates on a preceding-year basis: your YA 2026 tax bill covers income earned from 1 January to 31 December 2025. This timeline catches many newcomers off guard — you are not paying tax on this year’s income, but on last year’s.

For Singapore Citizens, Permanent Residents, and qualifying foreigners who held a valid work pass or stayed at least 183 days in 2025, the progressive tax system applies. Every Singaporean employee — from the fresh polytechnic graduate earning S$28,000 a year to the C-suite executive drawing S$500,000 — pays zero tax on the first S$20,000 of chargeable income. Only amounts above that threshold are taxed, and only at the rate applicable to that band. This is one of the most misunderstood aspects of Singapore’s tax system: your marginal rate almost always looks far worse than your effective rate.

YA 2026 IRAS Chargeable Income Brackets & Progressive Tax Rate Table for Singapore Tax Residents

Chargeable IncomeTax RateTax on This BandCumulative Tax
First S$20,0000%S$0S$0
Next S$10,000 (S$20,001–S$30,000)2%S$200S$200
Next S$10,000 (S$30,001–S$40,000)3.5%S$350S$550
Next S$40,000 (S$40,001–S$80,000)7%S$2,800S$3,350
Next S$40,000 (S$80,001–S$120,000)11.5%S$4,600S$7,950
Next S$40,000 (S$120,001–S$160,000)15%S$6,000S$13,950
Next S$40,000 (S$160,001–S$200,000)18%S$7,200S$21,150
Next S$40,000 (S$200,001–S$240,000)19%S$7,600S$28,750
Next S$40,000 (S$240,001–S$280,000)19.5%S$7,800S$36,550
Next S$40,000 (S$280,001–S$320,000)20%S$8,000S$44,550
Next S$180,000 (S$320,001–S$500,000)22%S$39,600S$84,150
Next S$500,000 (S$500,001–S$1,000,000)23%S$115,000S$199,150
Above S$1,000,00024%—S$199,150 +

Key IRAS YA 2026 Concepts — Assessable Income, CPF Payslip Deduction, Take-Home Pay & Effective vs Marginal Rate

  • Assessable Income: Total taxable income from all sources (employment, trade, rental, director fees) minus allowable deductions and expenses.
  • Chargeable Income: Assessable income minus all approved personal reliefs, subject to the S$80,000 aggregate cap.
  • Effective vs Marginal Rate: Your effective rate is total tax divided by assessable income — what you actually pay. The marginal rate is the bracket your last dollar falls into. For most PMETs earning S$80,000–S$120,000, the effective rate is typically 4–8% after standard reliefs, even though the marginal rate is 11.5%.
  • Auto-Inclusion Scheme (AIS): If your employer participates, employment income is submitted directly to IRAS by 1 March. You will see it pre-filled in myTax Portal when e-filing opens.
  • No YA 2026 Rebate: The 60%-of-tax-payable rebate capped at S$200 applied to YA 2024 and YA 2025 only. Budget 2026 did not renew it. Your full tax liability under the progressive rate table applies.
  • CPF Wage Ceiling 2026: Increased to S$8,000/month from 1 January 2026 (up from S$7,400 in 2025). Note this affects YA 2027 contributions; YA 2026 relief is still based on S$7,400/month OW ceiling for the year 2025.

How This Singapore Personal Income Tax Calculator Works — IRAS Assessable Income, CPF Payslip Relief & myTax Portal YA 2026 e-Filing

1

Enter Singapore Employment Salary, CPF Payslip Bonus & Rental Income Sources

Input gross employment salary, annual bonus, rental income (gross — tool applies 15% deemed deduction), and any other taxable income received in 2025.

2

Auto-Calculate Employee CPF Payslip Contribution by Age Group

Select Auto mode: the tool applies your age-bracket CPF employee rate (5%–20%) to the S$7,400 OW ceiling for 2025, then adds AW ceiling contributions from bonus. Or enter your actual amount from your CPF statement.

3

Build IRAS Relief Stack — CPF, SRS, Parent Relief & WMCR

Toggle each eligible relief — Earned Income (auto by age), CPF, Spouse, NSman, Parent, WMCR/QCR, SRS, Course Fees, Donations. The tool enforces the S$80,000 aggregate cap and alerts you if exceeded.

4

Instant IRAS YA 2026 Chargeable Income & Tax Payable Computation

Chargeable income is run through all 13 IRAS progressive brackets using Big.js precision arithmetic. Results show tax payable, effective rate, monthly equivalent, and a full waterfall bracket breakdown.

How IRAS Calculates Chargeable Income — Payslip CPF Deductions, Personal Reliefs & Assessable Income

The IRAS follows a precise sequence. Start with Total Assessable Income (all income sources minus allowable business or rental expenses). Subtract all qualifying Personal Reliefs — but only up to the S$80,000 aggregate cap introduced in YA 2018. The resulting Chargeable Income is what gets run through the progressive rate table above. For rental income, IRAS permits a flat 15% deemed deduction on gross rental receipts as an alternative to itemising actual expenses — this calculator applies that default. If your actual rental expenses (mortgage interest, maintenance, property tax, insurance) exceed 15%, you may opt to claim actuals instead via your myTax Portal filing.

3 Real Singapore YA 2026 Income Tax Calculations — Fresh Graduate NSman, Working Mother PMET & Senior Director Take-Home Pay

Example 1: Fresh Graduate NSman (Age 24) — S$54,000 Salary, CPF Payslip Deduction & IRAS Tax Payable

Gross Employment Income (2025)S$54,000
Less: Employee CPF Contribution (20% x S$54k, within OW ceiling)−S$10,800
Less: Earned Income Relief (Age <55)−S$1,000
Less: NSman Relief (Operationally Ready)−S$3,000
Chargeable IncomeS$39,200
Income Tax Payable (YA 2026)S$522
Effective Tax Rate0.97%
Monthly tax equivalent: S$43.50 — less than a hawker centre dinner per day.

Example 2: Working Mother PMET (Age 36) — S$110,000 Salary, WMCR, Foreign Maid Levy Relief & SRS Take-Home Pay

Gross Employment IncomeS$110,000
Annual Bonus (AWS)S$18,000
Less: CPF Employee Contribution (auto)−S$19,520
Less: Earned Income Relief−S$1,000
Less: WMCR — 1st child S$8k + 2nd child S$10k−S$18,000
Less: Foreign Maid Levy Relief (levy S$5,760 x 2)−S$11,520
Less: SRS Contribution (max)−S$15,300
Total Reliefs (within S$80k cap)S$65,340
Chargeable IncomeS$62,660
Income Tax Payable (YA 2026)S$2,436.20
Effective Tax Rate on Total Income1.89%
Without WMCR, SRS and FML relief, tax would be S$8,246 — these three reliefs saved S$5,810 in tax.

Example 3: Senior Director (Age 54) — S$300,000 Salary, Rental Income, CPF Top-Up Relief & IRAS Effective Rate

Gross Employment IncomeS$300,000
Rental Income (gross S$36k — 15% deemed deduction)S$30,600 net
Less: CPF Employee (15% x S$88,800 OW)−S$13,320
Less: Earned Income Relief (Age 55–59)−S$6,000
Less: Parent Relief (2 parents, stay with)−S$18,000
Less: CPF Cash Top-Up (self + parent RA)−S$16,000
Less: SRS Relief (max)−S$15,300
Less: Donations to NKF / SATA (S$6k x 2.5)−S$15,000
Total Reliefs Used (S$83,620 — capped at S$80k)S$80,000
Chargeable IncomeS$250,600
Income Tax Payable (YA 2026)S$38,964
Effective Tax Rate11.85%

3 Expert Tax-Saving Strategies for Singapore Residents — SRS Top-Up, CPF Cash Top-Up Relief & IRAS YA 2026 Deductions

💰

Maximise SRS Top-Up Before 31 Dec for IRAS Tax Relief

Singapore Citizens and PRs can contribute up to S$15,300 per year to their Supplementary Retirement Scheme account, receiving a dollar-for-dollar tax relief. At the 15% marginal rate bracket (chargeable income S$120,001–S$160,000), this single relief saves S$2,295 annually. SRS funds can be invested in T-bills, Singapore REITs, ETFs, or unit trusts and grow tax-free within the wrapper. Set a GIRO auto-debit by 1 December to avoid missing the 31 December cut-off. Explore the SRS Tax Savings Calculator for the exact projection.

👪

Stack CPF Cash Top-Up Relief Beyond the S$80k IRAS Cap

The CPF Cash Top-Up Relief for topping up a family member’s CPF Retirement Account is one of the highest-impact reliefs available — and unlike most others, the S$8,000 cap for topping up a parent, sibling, or spouse’s RA sits outside the S$80,000 aggregate. Your own S$8,000 top-up relief for self RA/SA is inside the cap, but the family top-up component is not. A couple where both spouses top up each other’s RA plus both sets of parents’ RAs can generate up to S$24,000 in additional CPF-Top-Up Relief annually, at zero risk to their S$80k personal cap. Use the RSTU Calculator to model this strategy.

🎓

Time Your Bonus & Rental Deductions for IRAS Tax Savings

If your employer gives you discretion over bonus timing — for example, a director drawing profit distributions — consider whether shifting a portion into the next calendar year keeps your 2025 chargeable income below a bracket threshold. Moving from S$120,001 to S$119,999 saves the top band rate of 11.5% on that last dollar — and every dollar above kept below S$80,000 saves 4.5 percentage points versus the S$80,001–S$120,000 band. On the rental side, if you qualify to claim actual expenses rather than the 15% deemed deduction, compare both options using the Property Tax Calculator before finalising your myTax Portal filing.

16 FAQs — Singapore YA 2026 Personal Income Tax, IRAS Chargeable Income, CPF Relief & myTax Portal Singpass Filing

What is Year of Assessment (YA) 2026 and what income does it cover?
Year of Assessment 2026 is the tax year in which IRAS assesses income earned during the preceding calendar year — 1 January 2025 to 31 December 2025. Singapore taxes on a preceding-year basis, so your YA 2026 Notice of Assessment reflects 2025 earnings. The e-Filing window opened 1 March 2026 and the deadline was 18 April 2026 for e-filing (15 April for paper returns). If your employer is under the Auto-Inclusion Scheme (AIS), your salary data is pre-populated in myTax Portal automatically.
What are the official Singapore progressive income tax rates for YA 2026?
Singapore’s YA 2026 progressive rates for tax residents start at 0% on the first S$20,000 of chargeable income, rising through 2%, 3.5%, 7%, 11.5%, 15%, 18%, 19%, 19.5%, 20%, 22%, 23%, to a top rate of 24% on chargeable income above S$1,000,000. There is no personal income tax rebate for YA 2026 (the 60%-capped-at-S$200 rebate applied only to YA 2025 and the 50%-capped-at-S$200 to YA 2024). These are the same bracket thresholds as YA 2024 onwards following the restructuring that added the 23% and 24% bands.
Do I need to file a Singapore income tax return for YA 2026?
You are required to file if your annual income exceeds S$22,000, even if no tax is ultimately payable (which happens when chargeable income falls below S$20,000 after reliefs). If you have only employment income and your employer is under AIS, IRAS may send you a “No Filing Required” notification. However, if you have rental income, trade income, overseas income, or wish to update your relief claims, you must file regardless. Note that even if IRAS contacts you with a pre-assessed bill, you have the right to amend it within 30 days if relief claims are missing or income figures are incorrect.
How is chargeable income calculated in Singapore for YA 2026?
The IRAS computation follows this sequence: (1) Total Assessable Income = employment income + trade income + rental income (after deductions) + other taxable income; (2) Less: Allowable Deductions = employment expenses, rental expenses or 15% deemed deduction, approved donations (2.5x); (3) Less: Personal Reliefs = all eligible reliefs claimed, subject to the S$80,000 aggregate cap; (4) Result = Chargeable Income. The progressive tax table is applied to this final figure. If chargeable income is S$20,000 or below, no tax is payable.
What is the S$80,000 personal tax relief cap and which reliefs count towards it?
From YA 2018 onwards, IRAS imposes an aggregate cap of S$80,000 on all personal income tax reliefs claimed in a single YA. Reliefs that count towards the cap include: CPF/Provident Fund Relief, Earned Income Relief, Spouse Relief, Child Reliefs (QCR/HCR/WMCR), Parent/Handicapped Parent Relief, Grandparent Caregiver Relief, Handicapped Sibling Relief, NSman Relief, Life Insurance Relief, Course Fees Relief, Foreign Maid Levy Relief, SRS Relief, and CPF Cash Top-Up Relief (self only). Notably exempt from the cap: the charitable donation deduction (2.5x donations to IPCs) and the CPF Cash Top-Up Relief for family members’ RA top-ups (S$8,000 component). If your total reliefs exceed S$80,000, IRAS automatically caps at S$80,000 — you cannot choose which reliefs to exclude.
What is Earned Income Relief (EIR) and how much can I claim for YA 2026?
Earned Income Relief is automatically granted to all individuals with employment or trade income. For YA 2026, the amounts are: Age below 55: S$1,000; Age 55–59: S$6,000; Age 60 and above: S$8,000. If you are a person with physical disability: S$4,000 (below 55), S$10,000 (55–59), S$12,000 (60+). The relief is capped at your actual earned income — so if your total employment income is S$5,000 and you are 58 years old, your EIR claim is S$5,000, not S$6,000. There is no need to separately claim EIR in your filing — IRAS grants it automatically based on your age and income data.
Can a working mother claim both WMCR and Qualifying Child Relief (QCR) for the same child?
No — for each child, you may claim either the Working Mother’s Child Relief (WMCR) or the Qualifying Child Relief (QCR), not both for the same child. WMCR replaced the old percentage-of-salary WMCR from YA 2025 onwards with fixed dollar amounts: S$8,000 for the 1st child, S$10,000 for the 2nd, S$12,000 for the 3rd and subsequent, subject to an S$50,000 cap per child. QCR provides S$4,000 per child and is available to both fathers and non-working mothers. If the combined WMCR and QCR across all children would have exceeded S$50,000 per child under the old rules, you need to elect the most beneficial option. In most cases, WMCR is more beneficial than QCR for working mothers with higher incomes.
How is the CPF / Provident Fund Relief calculated for YA 2026?
The CPF/Provident Fund Relief equals your mandatory employee CPF contribution for the year — it is not the employer’s share. For employees aged 55 and below in 2025, the employee CPF rate was 20% on Ordinary Wages up to the monthly ceiling of S$7,400 (the S$8,000 ceiling takes effect from January 2026 for future YAs). For Additional Wages like bonus, the AW ceiling is S$102,000 minus total OW for the year. At an annual salary of S$88,800 (S$7,400 x 12), the maximum OW employee CPF is S$17,760. Most payslip deductions labeled “CPF Employee” directly map to this relief — you can also verify your annual total on the CPF Board’s online portal under “Member’s Statement”.
What is NSman Relief and who qualifies for YA 2026?
NSman Relief is available to Singapore Citizens who have completed full-time National Service and remain operationally ready. For YA 2026, the self-relief amounts are: S$1,500 (NSmen who did not serve any Operationally Ready ICT in 2025), S$3,000 (NSmen who completed ICT duties in 2025), and S$5,000 for Key Appointment Holders who performed ICT duties. Additionally, the wife or parent of a qualifying NSman may claim an additional S$750 each — this is the NSman (Wife/Parent) Relief. IRAS auto-verifies NSman status with MINDEF data, so no documentary proof is needed at filing time.
How does the Supplementary Retirement Scheme (SRS) reduce my income tax?
Contributions to your SRS account reduce your assessable income dollar-for-dollar, capped at S$15,300 per year for Singapore Citizens and PRs, and S$35,700 for foreigners. The SRS account must be opened with one of three operators (DBS, UOB, or OCBC) and contributions must be made before 31 December of the contribution year to qualify for that YA’s relief. Funds in SRS can be invested in stocks, bonds, insurance, REITs, unit trusts, or SGX-listed ETFs. At retirement (age 62 under current rules, rising to 63 from July 2026), only 50% of SRS withdrawals are taxable, and if withdrawn over 10 or more years you can potentially pay zero tax on the entire SRS corpus.
How are charitable donations deducted from Singapore personal income tax?
Qualifying cash and non-cash donations to Institutions of a Public Character (IPCs) — such as Community Chest, SATA CommHealth, NKF, National Cancer Centre Singapore, and others on the IRAS-approved list — attract a 2.5-times tax deduction. A S$1,000 donation generates a S$2,500 reduction in assessable income. This deduction is applied before personal reliefs and is not counted toward the S$80,000 aggregate relief cap. The donation must be made in the same calendar year as the income being assessed (2025 donations for YA 2026). You do not need to submit donation receipts with your tax return, as IPC donations are electronically matched by IRAS.
How are non-resident individuals taxed in Singapore for YA 2026?
Non-resident individuals are generally those who stayed or worked in Singapore for fewer than 183 days in 2025. Their employment income is taxed at a flat 15% or the progressive resident rates — whichever results in a higher tax. Director’s fees, consultant fees, rental income, and most other income categories are taxed at a flat 24%. Non-residents cannot claim any personal reliefs (no EIR, no CPF relief, no child or parent reliefs). Short-term employment of 60 days or fewer is generally exempt from tax — but this exemption does not apply to directors, public entertainers, or professionals providing services in Singapore. Non-residents who fail to obtain tax clearance before leaving Singapore face penalties.
Is there a personal income tax rebate for YA 2026?
No. Budget 2026, announced by Deputy Prime Minister and Minister for Finance Gan Kim Yong in February 2026, did not include a personal income tax rebate. The preceding rebates were: YA 2024 — 50% rebate capped at S$200; YA 2025 — 60% rebate capped at S$200. These were one-off cost-of-living relief measures, not permanent features of the tax system. Your YA 2026 tax payable is the full amount computed under the progressive rate table after all reliefs — no automatic reduction will be applied by IRAS at assessment time. Plan accordingly and maximise your eligible reliefs before the filing deadline.
How is rental income from a Singapore HDB flat or private property taxed?
Rental income from a property in Singapore is fully taxable and added to your total assessable income. You may deduct either your actual rental expenses (mortgage loan interest, maintenance fees, property tax, fire insurance, agent commission) or a flat 15% deemed deduction on gross rental receipts — whichever approach you prefer. You cannot mix both methods in the same year for the same property. The 15% deemed deduction covers property maintenance and repair costs but not mortgage interest; you may add actual mortgage interest on top of the 15% deemed deduction. This calculator uses the 15% deemed deduction as the default — toggle to manual rental expenses if your actual deductible costs exceed 15% of gross rent.
When was the YA 2026 income tax filing deadline and what happens if I missed it?
For YA 2026, the filing deadlines were 15 April 2026 for paper returns and 18 April 2026 for e-filing via myTax Portal using Singpass. If you required more time, IRAS may grant extensions of up to 14 days upon request. Missing the deadline without an approved extension exposes you to a late filing penalty of up to S$1,000, plus IRAS may issue a “best estimate” Notice of Assessment based on your historical income — which could overstate your liability. If you missed the deadline, file as soon as possible; IRAS typically waives or reduces the penalty for first-time late filers who voluntarily come forward and have a clean compliance history.
What are the penalties for late payment of Singapore income tax?
If you receive your Notice of Assessment (NOA) and do not pay by the due date (typically one month from the NOA date), IRAS imposes a 5% late payment penalty on the outstanding tax. If payment remains outstanding for more than 60 days, an additional 1% per month is added (capped at 12% additional penalty on top of the 5%). For serious or repeat non-payment, IRAS may issue a court order or require your employer to deduct tax directly from salary via the GIRO payment system. To avoid this, set up an instalment plan via GIRO — IRAS allows monthly deductions spread over 10 months interest-free for those who opt in before the due date.

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Legal Disclaimer & Editorial Transparency

Estimate Only: This calculator provides an estimate of Singapore personal income tax for Year of Assessment 2026 based on IRAS progressive rates effective from YA 2024 onwards. It does not constitute tax advice, financial planning advice, or a legally binding tax computation. Your actual IRAS Notice of Assessment may differ due to relief eligibility conditions, income reclassification, employer-submitted AIS data adjustments, or IRAS administrative reviews not captured by this tool.

IRAS Authority: The Inland Revenue Authority of Singapore (IRAS) is the sole authority for Singapore personal income tax assessments. For your official tax liability, log in to myTax Portal using Singpass. All bracket rates and relief amounts referenced are sourced from IRAS’s official YA 2026 publications as at June 2026.

No Professional Relationship: Use of this calculator does not create a client-advisor relationship between the user and SGFinanceCalculators.com or MAFHH INTERNATIONAL LTD. For complex tax situations (multiple income sources, stock options, overseas income, large rental portfolios, or departure clearance), consult a registered Singapore tax agent or Chartered Accountant.

Data & Privacy: All calculations are performed locally in your browser. No income data, relief amounts, or personal details entered into this calculator are transmitted to or stored by SGFinanceCalculators.com’s servers.

Sources: IRAS Individual Income Tax Rates (updated April 2026) — iras.gov.sg ‧ CPF Board Contribution Rate Tables 2026 — cpf.gov.sg ‧ Budget 2026 Statement — mof.gov.sg ‧ Singapore Income Tax Act 1947 (2023 Revised Edition)