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How Much Tax Do I Owe On My Side Hustle?

Side-Hustle Tax Tracker

Enter your day-job income and your side-hustle revenue and expenses. See the extra income tax and MediSave on your side profit, and how much to set aside each month.

New to this? Read The Short Guide First →

Page updated · Data dates are in the notes below

1 Your Numbers

Your Starting Point

For income you earn in 2026 (taxed in YA 2027). Tax is charged on your profit (revenue minus expenses), not on revenue. Enter yearly amounts.

Fully self-employed? We take off your Earned Income Relief and MediSave relief for you.

Your yearly job income after reliefs. We use it to find your tax rate.

Why this matters: your side profit is added on top of this, so your day job decides which tax band the profit falls into.

We subtract your business expenses to get your profit. Tax is charged on profit.

Everything your customers or platforms paid you, before costs.

Costs of earning the side income, such as equipment, software or platform fees. Leave empty if none. Side profit = revenue − expenses.

Income tax does not depend on age. Age only sets the self-employed MediSave rate (8% to 10.5%).

We work this out in your browser.

2 Your Result

To cover the tax, set aside each month about

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Side Profit (Revenue − Expenses)
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Extra Income Tax On Side Profit (Per Year)
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Self-Employed MediSave (Per Year)
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Top Tax Rate Your Side Profit Reaches
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Share Of Side Profit Set Aside (Tax + MediSave)
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What This Estimate Assumes

Rough estimate for 2026 income (YA 2027), before rebates. YA 2027 uses the resident tax bands IRAS lists for YA 2024 onwards; Budget 2026 did not change them. Tax is charged on profit (net trade income: revenue minus allowable expenses). With a day job, the profit is added on top of your day-job chargeable income, so your day job sets the tax band, and no extra reliefs are added. Fully self-employed: we take off Earned Income Relief (S$1,000 under 55, S$6,000 at 55 to 59, S$8,000 from 60) and CPF relief on compulsory MediSave. IRAS gives that relief on the MediSave you paid during the year, which is based on the year before; we assume it was about the same. Other reliefs, such as SRS, are left out; add them in the Income Tax Estimator. Self-employed MediSave is compulsory once profit is above S$6,000: lower rates to S$12,000, phased rates to S$18,000, then 8% to 10.5% by age on profit up to S$96,000, rounded to whole dollars. A loss shows as S$0; it may reduce your other income, so check with IRAS. Platform-work earnings declared to CPF Board are left out. Verify your assessment with CPF Board and IRAS.

3 What Next

You have reached the last step in Pay Less TaxSee Every Step AgainPay Less Tax →Read The GuideHow Much Should I Set Aside For Tax And MediSave On Side-Hustle Income? →
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Before You Use This Number

Do I Need An Account To Use This Tool?

No. The tool works in your browser with no account. If you copy a result link, it includes the numbers you entered.

What Does This Estimate Assume?

Rough estimate for 2026 income (YA 2027), before rebates. YA 2027 uses the resident tax bands IRAS lists for YA 2024 onwards; Budget 2026 did not change them. Tax is charged on profit (net trade income: revenue minus allowable expenses). With a day job, the profit is added on top of your day-job chargeable income, so your day job sets the tax band, and no extra reliefs are added. Fully self-employed: we take off Earned Income Relief (S$1,000 under 55, S$6,000 at 55 to 59, S$8,000 from 60) and CPF relief on compulsory MediSave. IRAS gives that relief on the MediSave you paid during the year, which is based on the year before; we assume it was about the same. Other reliefs, such as SRS, are left out; add them in the Income Tax Estimator. Self-employed MediSave is compulsory once profit is above S$6,000: lower rates to S$12,000, phased rates to S$18,000, then 8% to 10.5% by age on profit up to S$96,000, rounded to whole dollars. A loss shows as S$0; it may reduce your other income, so check with IRAS. Platform-work earnings declared to CPF Board are left out. Verify your assessment with CPF Board and IRAS.