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Pay Less TaxStep 1 of 4Next: Which Tax Reliefs Can I Claim?

How Much Income Tax Will I Pay?

Income Tax Estimator With Relief Stacking

Enter your 2025 income and the tax reliefs you can claim. See your estimated income tax for YA 2026 (Year of Assessment 2026, which taxes 2025 income), before rebates.

New to this? Read The Short Guide First →

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1 Your Numbers

Your Starting Point

YA means Year of Assessment: tax in YA 2026 is on income you earned in 2025. Enter yearly amounts; put 0 for reliefs you cannot claim.

Work-pass holders pay no CPF, so choosing it sets CPF relief to 0. It also sets your SRS limit: Citizens and PRs can claim up to S$15,300 a year, foreigners up to S$35,700. If your status changed during the year, ask your SRS bank for your prorated limit.

This estimate is for tax residents. Foreigners are usually tax residents after 183 days or more in Singapore in the year; non-residents are taxed differently, so in your first or last year use the residency question below.

A Year of Assessment (YA) taxes the year before: YA 2026 is tax on income earned in 2025. Arrived in Singapore in 2026? Choose Planning For 2026 Income. YA 2027 uses the same rates and reliefs as YA 2026. IRAS lists one rate table for YA 2024 onwards, and Budget 2026 did not change it.

Pick the second option if you arrived or left in 2025 on a work pass. We compare your tax as a resident and as a non-resident.

Citizens and PRs only. Work-pass holders pay no CPF, so enter 0.

We cap this at your SRS limit, then at the S$80,000 total relief cap. Foreigners must also make the yearly declaration to their SRS operator.

Only money paid in by 31 December 2025 counts. Your bank may close earlier.

We work this out in your browser.

2 Your Result

Your income tax before rebates could be about

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Total Reliefs Used
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Chargeable Income (Income − Reliefs)
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Tax Saved By Your Reliefs
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Effective Tax Rate (Tax ÷ Income)
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What This Estimate Assumes

Rough estimate for tax residents, before rebates and tax credits. Foreigners are usually tax residents if they stay or work in Singapore for 183 days or more in the year. Non-residents are taxed differently. Choose the work-pass option to compare: as a non-resident, employment income is taxed at a flat 15% or the resident rates, whichever is higher, with no personal reliefs, and employment of 60 days or less in the year is exempt, except for company directors, public entertainers and professionals. The residency check is a rough screen using IRAS’s 183-day test, its two-year and three-year concessions and work passes valid for a year or more. It treats your days in Singapore as your days of employment and does not cover business-trip rules, tax clearance, director’s fees or other income taxed at 24%. IRAS decides your status. Foreigners on a work pass pay no CPF, so choosing Foreigner sets CPF relief to 0, and the work-pass option leaves CPF relief out and counts SRS only if you are a resident. YA 2026 taxes income earned in 2025. The YA 2027 option plans for 2026 income with the same rates and reliefs: IRAS lists one rate table for YA 2024 onwards, and Budget 2026 did not change it. IRAS lists no Personal Income Tax Rebate for YA 2026. Enter income before personal reliefs, and only reliefs you qualify for. Self-employed: enter net trade income (revenue minus allowable expenses) and the compulsory MediSave you paid in the year as CPF relief. SRS is capped at S$15,300 for Citizens/PRs or S$35,700 for foreigners, based on your choice. Then the S$80,000 cap on total personal reliefs applies. Foreigners must make the yearly SRS declaration. If your citizenship or PR status changed, get your prorated limit from your SRS operator. CPF cash top-up relief is up to S$8,000 for yourself and S$8,000 across eligible family members. This one box does not check those separate limits or who qualifies. Child relief assumes the full Qualifying Child Relief (QCR); adjust it yourself if you share the claim. Employees: enter your actual eligible CPF from your job. We do not check whether you qualify for each relief. This does not replace an IRAS assessment.

3 What Next

Step 2 of 4 in Pay Less TaxWhich Tax Reliefs Can I Claim?Tax Relief Finder →Read The GuideHow Much Income Tax Will I Pay In Singapore For YA 2026? →

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 tax residents, before rebates and tax credits. Foreigners are usually tax residents if they stay or work in Singapore for 183 days or more in the year. Non-residents are taxed differently. Choose the work-pass option to compare: as a non-resident, employment income is taxed at a flat 15% or the resident rates, whichever is higher, with no personal reliefs, and employment of 60 days or less in the year is exempt, except for company directors, public entertainers and professionals. The residency check is a rough screen using IRAS’s 183-day test, its two-year and three-year concessions and work passes valid for a year or more. It treats your days in Singapore as your days of employment and does not cover business-trip rules, tax clearance, director’s fees or other income taxed at 24%. IRAS decides your status. Foreigners on a work pass pay no CPF, so choosing Foreigner sets CPF relief to 0, and the work-pass option leaves CPF relief out and counts SRS only if you are a resident. YA 2026 taxes income earned in 2025. The YA 2027 option plans for 2026 income with the same rates and reliefs: IRAS lists one rate table for YA 2024 onwards, and Budget 2026 did not change it. IRAS lists no Personal Income Tax Rebate for YA 2026. Enter income before personal reliefs, and only reliefs you qualify for. Self-employed: enter net trade income (revenue minus allowable expenses) and the compulsory MediSave you paid in the year as CPF relief. SRS is capped at S$15,300 for Citizens/PRs or S$35,700 for foreigners, based on your choice. Then the S$80,000 cap on total personal reliefs applies. Foreigners must make the yearly SRS declaration. If your citizenship or PR status changed, get your prorated limit from your SRS operator. CPF cash top-up relief is up to S$8,000 for yourself and S$8,000 across eligible family members. This one box does not check those separate limits or who qualifies. Child relief assumes the full Qualifying Child Relief (QCR); adjust it yourself if you share the claim. Employees: enter your actual eligible CPF from your job. We do not check whether you qualify for each relief. This does not replace an IRAS assessment.