How do I calculate take-home salary in Singapore?

This calculator subtracts estimated employee CPF from wages subject to CPF. It excludes income tax and other payroll deductions.

Does this salary calculator include Singapore income tax?

No. The calculator estimates take-home pay after CPF only, before personal income tax, reliefs, rebates, donations, loans, and other deductions.

Does the salary calculator include employer CPF?

Yes. It shows estimated employer CPF and employer payroll cost, but take-home pay subtracts only the employee CPF share.

Singapore Salary Calculator

Estimate monthly take-home pay after employee CPF, plus employer CPF and employer payroll cost for Singapore payroll planning.

Open CPF calculator

Estimate salary after CPF

Enter monthly wages and employee status to estimate take-home pay before income tax.

Monthly salary and CPF-payable allowancesS$Bonus or additional wages this monthS$Age groupCitizenship / SPR statusFull employer and employee CPF rates.OW subject to CPF so far this year, before this monthS$Used only when bonus or other Additional Wages are entered.

How take-home salary is calculated

This calculator estimates wages subject to CPF, subtracts the employee CPF share, and shows employer CPF separately. Ordinary Wages are capped at S$8,000 per month. Additional Wages, such as bonuses, are capped by the remaining S$102,000 annual wage ceiling.

Source dateCPFB CPF rate source: 6 January 2026MOM salary page last updated: 30 January 2026CPF contribution guidance OW and AW ceiling guidance MOM salary guidance Official CPF calculator

2026 assumptions

Take-home pay means gross wages minus estimated employee CPF.
Employer CPF is shown separately because it is an employer cost, not an employee deduction.
Singapore Citizen and SPR year 3+ use full CPF rates; SPR year 1 and year 2 use default graduated rates.
Annual take-home is before personal income tax, reliefs, rebates, loans, donations, and other deductions.

What this does not cover

Income tax or chargeable-income estimates.
Final CPF submission, payslip generation, IRAS filing, or payroll approval.
Self-employed Medisave contributions.
Special SPR applications for full employer or full employee CPF rates.

Worked examples

S$5,000 monthly salary, age 55 and below

Employee CPF is S$1,000, so estimated monthly take-home pay is S$4,000 before income tax and other deductions.

S$10,000 monthly salary, age 55 and below

CPF applies only up to the S$8,000 Ordinary Wage ceiling. Estimated employee CPF is S$1,600, so take-home pay is S$8,400 before other deductions.

Bonus or additional wages

Bonus CPF depends on the remaining Additional Wage ceiling. Enter year-to-date OW when estimating a bonus month.

CPF Contribution CalculatorCheck employee CPF, employer CPF, and total CPF by age and SPR status.Overtime Pay CalculatorEstimate standard weekday overtime pay from monthly basic salary and overtime hours.

Salary calculator FAQs

Is this net salary after tax?

No. It estimates salary after employee CPF only. Personal income tax depends on annual tax residency, reliefs, deductions, and rebates.

Why is employer CPF not deducted from take-home pay?

Employer CPF is paid by the employer on top of gross wages. It is shown as employer cost, not as an employee deduction.

Can this calculator generate payslips?

No. This public page is a read-only estimator. CapySuite Payroll owns pay runs, payslips, leave, claims, and statutory outputs.