Singapore Take-Home Salary Calculator
Free Singapore take-home pay calculator: net salary after CPF (or expat rates), 2025 rates, every step shown.
What does the Singapore Take-Home Salary Calculator do?
It converts a monthly Singapore salary into take-home pay: CPF employee contribution (20% on the first S$7,400 for citizens/PRs) or zero CPF for employment-pass foreigners, with the yearly income-tax picture explained separately.
- Inputs: monthly salary, residency status.
- Output: monthly take-home with CPF itemised.
- Method: 2025 CPF caps, evaluated entirely in your browser.
Quick answer
A S$6,500 salary for a citizen/PR leaves S$5,200 per month after S$1,300 CPF; the same salary for an employment-pass foreigner leaves S$6,500 because expats pay no CPF. Personal income tax (0% on the first S$20,000) is filed yearly, not deducted monthly.
What This Calculator Really Does
The Singapore Take-Home Salary Calculator applies the rule that dominates Singapore payslips: CPF. Citizens and PRs contribute 20% of monthly wages up to the S$7,400 ceiling (S$1,480 maximum); foreigners on EP/S-pass contribute nothing. The calculator shows both paths side by side so expat offers and local offers can be compared honestly.
Why Singapore is different
- No monthly tax withholding: personal income tax is assessed yearly after filing — the first S$20,000 is taxed at 0% and effective rates for most salaries sit in the low single digits to mid-teens.
- CPF is savings, not pure tax: the employee 20% lands in your own OA/SA/MA accounts, which is why the chart labels it separately from tax.
- Employer CPF (17%) is on top: like Australian super, it never passes through your payslip.
Worked example with real numbers
Salary S$6,500 (citizen): CPF = 20% × S$6,500 = S$1,300; take-home = S$5,200 per month. Salary S$6,500 (foreigner): CPF = S$0; take-home = S$6,500 per month. The extra line reports annual totals so offers quoted annually can be compared with monthly ones.
Reading the result
The headline is monthly take-home; the extra line adds the annual figure and a reminder of the CPF cap. Bonuses attract CPF too (capped the same way) — model them by adding to the salary field. The SDL and SHG levies employers pay are not employee deductions and are excluded.
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Frequently Asked Questions
How is Singapore take-home pay calculated?
Monthly salary minus employee CPF (20% on the first S$7,400 for citizens/PRs) equals take-home. Foreigners on employment passes pay no CPF, so their take-home equals the full salary. The steps panel shows the subtraction with exact figures.
How much CPF is deducted from my salary?
20% of your monthly wage up to a wage ceiling of S$7,400 — a maximum of S$1,480 per month for employees at or above the ceiling.
Do expats pay CPF in Singapore?
No. Employment-pass, S-pass and work-permit holders do not contribute to CPF. Their take-home equals gross salary minus nothing (tax is filed yearly).
Where is Singapore income tax in this result?
It is not deducted monthly — Singapore tax is assessed after yearly filing, with the first S$20,000 at 0%. The extra line reminds you of this so the take-home is not mistaken for tax-free income.
How is the monthly take-home calculated?
Monthly salary minus the employee CPF contribution (20% up to the S$7,400 ceiling) equals take-home for citizens/PRs; employment-pass foreigners receive the full salary.
What do I need to use the Singapore Take-Home Salary Calculator?
A monthly salary and residency status — the CPF option applies the 20% employee contribution, the expat option models EP/S-pass payslips with zero CPF.
What does the result from the Singapore Take-Home Salary Calculator show?
The monthly take-home, an annual view, the exact CPF amount (capped at S$1,480) and a donut chart separating CPF savings from spendable pay.
Is the Singapore Take-Home Salary Calculator really free?
Yes — 100% free, no sign-up, runs entirely in your browser, and works offline after the first load.