Singapore Job Offer Comparison Calculator 2026 — Compare Two Offers Side-by-Side with CPF, Bonus, Leave Value & Total Compensation Breakdown

Total Compensation Value (TCV) is the full monetary worth of a job offer including base salary, bonuses, employer CPF contributions, monetised leave days, medical benefits, transport allowance, sign-on bonus, and stock or RSU grants. Most people compare offers by base salary alone, missing up to 30 to 40 percent of the true value. A job offering 7,000 dollars per month with 3 months bonus and 21 leave days could be worth more than 8,500 dollars per month with 1 month bonus and 14 leave days when you factor in the full package.

Employer CPF is money paid on top of your salary into your CPF accounts. At 17 percent for employees aged 55 and below, an employer paying 7,000 dollars salary also contributes 1,190 dollars per month to your CPF. Over a year, that is 14,280 dollars of hidden value. This is real money in your CPF that you will use for housing, retirement, and healthcare. It should always be included when comparing offers, especially against contract or EP roles that have no employer CPF.

Annual leave has a real monetary value equal to the number of leave days multiplied by your daily rate (monthly salary divided by 22 working days). An offer with 21 leave days versus 14 leave days at 6,000 dollars per month represents a difference of 7 times 273 equals 1,909 dollars per year. That is equivalent to an extra 159 dollars per month. Ignoring leave when comparing offers undervalues generous leave packages.

Bonuses in Singapore are typically expressed in months of salary. A 2-month bonus on a 6,000 dollar salary adds 12,000 dollars per year. However, bonuses are subject to CPF (up to the Additional Wage ceiling of 102,000 dollars minus total Ordinary Wages) and income tax at your marginal rate. This calculator factors in CPF on the bonus within the AW ceiling and the additional tax to give you the true net value.

Yes. Medical benefits vary significantly between employers. Some offer comprehensive group insurance covering hospitalisation, specialist visits, dental, and optical worth 200 to 500 dollars per month. Others offer only basic outpatient coverage worth 50 to 100 dollars per month. The difference of 3,600 to 4,800 dollars per year is significant and should be factored into your comparison.

Singapore citizens receive employer CPF (17 percent) which EP holders do not. An EP holder earning 8,000 dollars per month has zero employer CPF, while a citizen at the same salary receives 1,360 dollars per month in employer contributions (16,320 dollars per year). To compensate, EP holders should negotiate a higher base salary. This calculator automatically applies CPF based on age, so enter age 0 or check the EP scenario to see the impact.

A sign-on bonus is a one-time payment (typically 1 to 3 months salary) given when you join a company. It is often used to bridge the gap when base salary negotiation stalls. While valuable, it is a one-time cash infusion that does not compound like base salary. A 10,000 dollar sign-on with 6,000 base is worth less over 3 years than no sign-on with 6,300 base (10,800 dollars more in base over 3 years). This calculator includes sign-on in the first-year TCV.

Stock or RSU grants are common in tech and MNC roles. Enter the annual vested value (not the total grant). A 4-year RSU grant worth 80,000 dollars total vests at 20,000 dollars per year. RSUs are taxed as employment income in Singapore at your marginal IRAS rate when they vest. The calculator includes the pre-tax annual stock value in TCV. Be aware that unvested stock has risk if you leave before the cliff.

This is exactly why TCV matters. A higher salary with fewer leave days, lower bonus, no medical, and no transport can have a lower TCV than a moderate salary with generous benefits. For example, Offer A at 8,000 dollars with 1-month bonus and 14 leave days has a TCV of about 139,000 dollars. Offer B at 7,200 dollars with 3-month bonus, 21 leave days, and 300 dollars medical has a TCV of about 142,000 dollars. Offer B wins despite the lower headline salary.

Transport allowance is typically 200 to 500 dollars per month in Singapore and is not subject to CPF (it is not part of ordinary wages if classified as a reimbursement). This means it goes directly to your pocket tax-free in most cases. A 400 dollar monthly transport allowance adds 4,800 dollars per year to your take-home with no CPF deduction. Always include it in your comparison.

Both matter for different decisions. TCV tells you the total value of the offer including employer CPF and benefits you receive but do not see in your bank account. Net monthly take-home tells you how much cash lands in your bank each month for living expenses. Choose TCV for long-term wealth evaluation. Choose net take-home for monthly budgeting. This calculator shows both.

Age determines your CPF contribution rate. At 55 and below, the employee rate is 20 percent and employer rate is 17 percent. Above 55, rates decrease gradually. This means two identical offers have different TCV for a 30-year-old versus a 62-year-old because the employer CPF contribution is lower for older workers. Always enter your actual age for accurate comparison.

Yes. Enter your current job details as Offer A and the new offer as Offer B. This is the most practical use case. Most people considering a job change compare headline salary only. By entering your current full package (including leave, bonus, medical, and allowances), you can see whether the new offer is truly better or just appears better because of a higher base salary.

If your current employer makes a counter-offer after you resign, enter it as a separate offer and compare TCV. Research shows most employees who accept counter-offers leave within 12 months anyway. If the counter-offer merely matches the new offer on salary without addressing the non-financial reasons you were looking to leave (growth, culture, management), more money from the same employer rarely solves the underlying problem.

MOM data shows six in ten job switchers saw real salary increases of at least 5 percent in 2025. The typical market rate for a job change in Singapore is 10 to 20 percent above current total compensation. Below 10 percent may not justify the risk and disruption of changing. Above 30 percent suggests a major level change or a correction from being significantly underpaid. Use this calculator to verify the actual increase in TCV, not just base salary.

Enter the details of two job offers side by side: company name, base monthly salary, bonus months, annual leave days, monthly medical value, monthly transport allowance, sign-on bonus, and annual stock or RSU value. Select your age for CPF rate calculation. The calculator computes Total Compensation Value for each offer including employer CPF, monetised leave, and all benefits. It shows a side-by-side comparison table, stacked bar chart, net monthly take-home after CPF and tax, and declares a winner with the exact dollar and percentage difference.