Quick Answer
It depends on your own situation, and IRAS conditions decide. The finder reviews common items such as Earned Income Relief, SRS and CPF top-up relief for YA 2026. In this example, S$9,000 of reviewed reliefs cuts estimated resident tax by S$1,035, not S$9,000. A relief lowers the income that is taxed, not the tax itself.
The Useful Number: In this example, S$9,000 of reviewed reliefs reduces estimated resident tax by S$1,035—not S$9,000.
Which Year And Starting Income Should You Use?
The finder is a YA 2026 review (Year of Assessment 2026, for income earned in 2025). Use that year’s income and qualifying activity, and check the stated period for each relief.
Start with assessable income before personal reliefs. In the second field, enter other reliefs already counted, leaving out the items you review here.
CPF Cash Top-Up Relief For Yourself
S$8,000
Up to S$8,000 a year for topping up your own CPF, plus up to S$8,000 more for eligible family members. All reliefs share the S$80,000 overall cap.
Data as of . Source: IRAS and CPF Board — CPF cash top-up relief.
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How Much Do SRS And Earned Income Relief Save?
Take a 40-year-old resident taxpayer with S$120,000 assessable income, S$20,000 of other reliefs and S$100,000 earned income, who qualifies for standard Earned Income Relief and made an S$8,000 SRS contribution for YA 2026. Neither is already counted.
The S$9,000 of reviewed reliefs takes chargeable income from S$100,000 to S$91,000 and tax before rebates from S$5,650 to S$4,615, a saving of S$1,035. A relief is not a dollar-for-dollar tax credit.
- Chargeable Income Before The Review: S$100,000
- Earned Income Relief: − S$1,000
- SRS Relief: − S$8,000
- Chargeable Income After: S$91,000
- Tax Saved, Before Rebates: S$1,035
Data as of . Source: IRAS — Earned Income Relief; IRAS — SRS contributions and tax relief; IRAS — individual income-tax rates.
Try Your Numbers
Your YA 2026 Tax Saving From Reliefs
Treats your assessable income as earned income at age 40, so standard Earned Income Relief applies. Family and NSman reliefs are left out here.
Estimated Tax Saving
S$1,035
- Reliefs Counted
- S$9,000
- Tax After Reliefs, Before Rebates
- S$4,615
Rough estimate. See the full tool for assumptions.
Why Should You Check Each Item?
The finder relies on your answers. Age, income, support and sharing rules can affect family reliefs, and there is no parent-sharing input, so do not claim a full parent relief here if it must be shared. Check with IRAS, or enter it by hand in the fuller tax estimator.
Earned Income Relief may already be in your assessment; if you review it here, remove it from the other-reliefs field. SRS is capped at the citizen/PR limit, not the foreigner limit. Enter the eligible CPF top-up relief, not all the cash you moved.
- Check Your Relief RoomCash top-up relief has a yearly limit for your own account and a separate one for family members, and every relief counts towards the overall personal relief cap.
- Check The Recipient’s Top-Up LimitHow much an account can receive depends on the recipient’s age and CPF balances. CPF Board shows the limit on the recipient’s Retirement Dashboard.
- Top Up Through CPF BoardUse CPF Board’s online top-up service or app, where PayNow is one way to pay.
- Pay Well Before 31 DecemberLeave time for the payment to be processed so the top-up lands in the year you want the relief for.
- Remember It Cannot Be UndoneTop-ups are irreversible and cannot be withdrawn for other purposes; the money stays in CPF for retirement.
- Check Your Tax AssessmentConfirm the relief appears in the following Year of Assessment.
Sources checked and . Source: CPF Board — top up to enjoy higher retirement payouts; IRAS and CPF Board — CPF cash top-up relief.
How Does The S$80,000 Overall Relief Cap Apply?
Total personal relief is capped at S$80,000 per Year of Assessment. If the other-reliefs field is S$79,000, only S$1,000 of room remains, even if the reviewed items total S$9,000.
Some items are outside this first-pass finder, including Working Mother’s Child Relief (WMCR), disability child and parent reliefs and spouse relief. Use IRAS guidance for a full review. An amount in the result does not mean you qualify.
Quick Check
Three statements from this guide. Tap True or False to check what you have read. Nothing is saved.
Card 1 Of 3
S$9,000 of reliefs cuts your tax by S$9,000.
Why?
In the example, chargeable income falls from S$100,000 to S$91,000, and tax before rebates falls from S$5,650 to S$4,615: a saving of S$1,035.
Card 2 Of 3
If your other reliefs already total S$79,000, only S$1,000 of relief room remains.
Why?
That holds even if the reviewed items total S$9,000, so a bigger contribution would not always give more tax relief this year.
Card 3 Of 3
If you review Earned Income Relief in the finder, also leave it in the other-reliefs field.
Why?
Earned Income Relief may already be in your assessment. If you review it here, remove it from the other-reliefs field.
Your Score
Try It With Your Numbers
Open the calculator with this guide’s example filled in. Then change the numbers to match your situation.
Open Tax Relief Finder →Frequently Asked Questions
Is A Tax Relief The Same As A Tax Credit?
No.
A relief lowers the income that is taxed. It is not a dollar-for-dollar tax credit. In the example, chargeable income falls from S$100,000 to S$91,000. Tax falls from S$5,650 to S$4,615 before rebates, a saving of S$1,035.
Is There A Cap On Personal Tax Reliefs?
Yes.
Total personal relief is capped at S$80,000 per Year of Assessment. If your other reliefs already total S$79,000, only S$1,000 of room remains, even if the reviewed items total S$9,000. So a bigger contribution would not always give more tax relief this year.
How Do I Avoid Counting A Relief Twice?
Start with assessable income before personal reliefs.
Then enter other reliefs already counted, leaving out the items you review in the finder. Earned Income Relief may already be in your assessment. If you review it here, remove it from the other-reliefs field.
Which Reliefs Does The Finder Not Cover?
Working Mother’s Child Relief (WMCR), disability child and parent reliefs, spouse relief and others are outside this first-pass finder.
It has no parent-sharing input and caps SRS at the citizen/PR limit. Use IRAS guidance for a full review. An amount in the result does not mean you qualify.
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Sources & Assumptions
- IRAS — Earned Income Relief ↗
- IRAS — Personal Tax Reliefs And Overall Cap ↗
- IRAS — SRS Contributions And Tax Relief ↗
Sources checked 12 October 2026. These are examples only. Check the stated assumptions and limits before you use a result.
YA 2026 resident-tax example before rebates. You declare your own eligibility. Check the official conditions and amounts before you file or contribute.