Take-Home Pay Calculator
Shows what lands in your bank account each month after the employee CPF deduction, for Singapore Citizens and full-rate PRs.
Result
- Monthly take-home pay
- S$4,000.00
- Employee CPF deducted
- S$1,000.00
- Annual take-home (before tax)
- S$48,000.00
- Share of salary kept
- 80.00%
How to use the take-home pay calculator
- Enter the monthly salary (S$).
- Enter the age (years).
- The results update as you type, or press Calculate.
- Read the monthly take-home pay first, then the supporting figures below it.
Formula
Take-home pay = gross monthly salary − employee CPF. Employee CPF = employee rate × wage (capped at S$8,000). Income tax is paid separately to IRAS, so it is not deducted from your payslip.
Worked example
For example, with these inputs:
- Monthly salary (S$): 5,000
- Age (years): 30
the calculator returns:
- Monthly take-home pay: S$4,000.00
- Employee CPF deducted: S$1,000.00
- Annual take-home (before tax): S$48,000.00
- Share of salary kept: 80.00%
Background
Contribution rates fall as workers get older, to keep older workers employable while their retirement savings continue to grow. The Government has been raising rates for workers above 55 in stages since 2022, with the latest change in January 2026 and another planned for 2027, so figures for senior workers change more often than for younger employees.
CPF distinguishes between ordinary wages, which are paid for work in the month such as basic salary and fixed allowances, and additional wages, such as annual bonuses and leave encashment. Ordinary wages are capped at S$8,000 a month from January 2026, while additional wages are capped by an annual ceiling of S$102,000 minus the ordinary wages already subject to CPF in the year.
Frequently asked questions
Is income tax deducted from my salary in Singapore?
Usually not. Most employees pay income tax directly to IRAS the following year, so take-home pay is gross pay minus employee CPF.
Do foreigners on an Employment Pass pay CPF?
No. CPF applies to Singapore Citizens and PRs, so an EP holder's take-home pay is the gross salary before income tax.
How does the take-home pay calculator work?
It applies this formula: Take-home pay = gross monthly salary − employee CPF. Employee CPF = employee rate × wage (capped at S$8,000). Income tax is paid separately to IRAS, so it is not deducted from your payslip.
Are these figures exact?
They follow the published CPF and MOM formulas, but your employer's payroll may round slightly differently or include allowances in a different way. Your payslip is the final reference.