CPF Cash Top-Up Tax Relief Calculator

Estimates the tax saved from Retirement Sum Topping-Up: up to S$8,000 for yourself and S$8,000 for family members.

Result

Tax saved
S$920.00
Relief applied (max S$16,000)
S$8,000.00

How to use the cpf cash top-up tax relief calculator

  1. Enter the chargeable income before top-up (S$).
  2. Enter the cash top-up qualifying for relief (S$).
  3. The results update as you type, or press Calculate.
  4. Read the tax saved first, then the supporting figures below it.

Formula

Tax saved = tax(chargeable income) − tax(chargeable income − relief).

Worked example

For example, with these inputs:

the calculator returns:

Background

Singapore taxes individuals on income earned in Singapore, with progressive rates for residents that start at 0% on the first S$20,000 of chargeable income and rise to 24% on income above S$1 million. Tax is assessed a year in arrears: income earned in 2025 is assessed in Year of Assessment 2026.

You are generally a tax resident if you are a citizen or PR who normally lives here, or a foreigner who has stayed or worked in Singapore for at least 183 days in the calendar year. Non-residents do not get personal reliefs and are taxed differently, which is why residency status matters so much for expatriates.

Frequently asked questions

How does the cpf cash top-up tax relief calculator work?

It applies this formula: Tax saved = tax(chargeable income) − tax(chargeable income − relief).

Is this the same as my IRAS bill?

It is an estimate based on the published rates. Your notice of assessment will reflect all reliefs, rebates and income IRAS holds for you.

Guides for this calculator

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