Quick Answer
It depends on your chargeable income, which is your income after eligible reliefs. In the YA 2026 example, S$100,000 income minus S$29,000 eligible reliefs leaves S$71,000 chargeable income. Tax before rebates is S$2,720. The estimate uses resident tax bands for income earned in 2025. It does not file your tax and is not your final bill.
The Useful Number: In the example, S$100,000 income minus S$29,000 eligible reliefs leaves S$71,000 chargeable income. Tax before rebates is S$2,720.
Which Income Starting Point Should You Use?
The tool takes the reliefs you enter off the income you enter, so start from income before those reliefs, or the same relief counts twice.
This is a YA 2026 resident estimate (YA means Year of Assessment) for income earned in 2025, before rebates and tax credits. Contributions and reliefs must be for the same year.
How Do Several Reliefs Add Up?
Take S$100,000 of income with Earned Income Relief of S$1,000, employee CPF relief of S$20,000 and an eligible SRS contribution of S$8,000. All other reliefs are zero. Reliefs of S$29,000 leave S$71,000 chargeable income and tax before rebates of S$2,720.
The S$2,930 saving shown compares this with no reliefs at all, so not all of it comes from SRS.
- Income Before Reliefs: S$100,000
- Minus Reliefs: EIR, CPF And SRS: − S$29,000
- Chargeable Income: S$71,000
- Tax Before Rebates: S$2,720
Data as of . Source: IRAS — individual income-tax rates; IRAS — tax reliefs.
Try Your Numbers
Your YA 2026 Tax Before Rebates
Uses S$1,000 Earned Income Relief and the Citizen/PR SRS limit, as in the example.
Tax Before Rebates
S$2,720
- Reliefs Counted
- S$29,000
- Chargeable Income
- S$71,000
Rough estimate. See the full tool for assumptions.
Do The Field Limits Prove You Qualify?
No. The tool applies the S$80,000 overall relief cap, but some field limits are only broad technical limits. Your SRS status sets the cap at S$15,300 for a Citizen or PR, or S$35,700 for a foreigner, who must make the yearly declaration. If your status changed during 2025, ask your SRS operator for a prorated limit.
The top-up field does not check who qualifies, and the child field assumes a full, unshared claim. Enter only eligible amounts. The Tax Relief Finder guide covers more checks.
How Do You Reconcile The Estimate With Your Tax Records?
Check your entries against your income statement, contribution records and myTax Portal, including prefilled amounts, and check rebates separately. This is not your final assessed tax bill.
Quick Check
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Card 1 Of 3
Chargeable income is your income after eligible reliefs.
Why?
In the example, S$100,000 income minus S$29,000 of reliefs leaves S$71,000 chargeable income, and tax before rebates is S$2,720.
Card 2 Of 3
Enter your income after reliefs, then add your reliefs in the tool as well.
Why?
The tool takes the reliefs you enter off the income you enter, so start from income before those personal reliefs.
Card 3 Of 3
Total personal reliefs are capped at S$80,000.
Why?
Some field limits in the tool are only broad technical limits, not eligibility rules. Enter only amounts you are eligible for.
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 Income Tax Estimator With Relief Stacking →Frequently Asked Questions
What Income Figure Should I Enter?
Enter your income before the personal reliefs you add in the tool, not after they are taken off.
Otherwise the same relief is counted twice. Contributions and reliefs must be for the same year as the income.
Which Reliefs Make Up The S$29,000 In The Example?
The example uses Earned Income Relief of S$1,000, employee CPF relief of S$20,000 and an eligible SRS contribution of S$8,000.
All other relief fields are zero. The S$2,930 saving shown compares this with tax on the same income with none of these reliefs. Not all of it comes from SRS.
Does The Tax Estimator Check My Eligibility?
No.
It applies the S$80,000 overall relief cap, but several field limits are only broad technical limits. It does not check who qualifies for top-up relief, split amounts for yourself and family, or handle shared child claims. Enter only eligible amounts.
Is The Estimate My Final Tax Bill?
No.
It is a resident estimate before rebates and tax credits. Check your entries against your income statement, contribution records and myTax Portal. See if amounts are prefilled, and check rebates and other adjustments separately.
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Sources & Assumptions
- IRAS — Resident Income Tax Rates ↗
- IRAS — Personal Tax Reliefs ↗
- IRAS — SRS Contributions ↗
- IRAS — Working Out My Tax Residency ↗
Sources checked 12 October 2026. These are examples only. Check the stated assumptions and limits before you use a result.
Rough tax estimate before rebates, using the reliefs you enter. The work-pass comparison covers employment income only and is a screen, not a residency ruling. It does not check filing eligibility, shared claims or every relief cap.