Net Salary Calculator Singapore 2025
Singapore's income tax rates are genuinely low: a S$120k salary faces an effective rate of roughly 11%. But CPF — the Central Provident Fund — changes the cash picture. PR and citizen employees contribute 20% of salary to CPF; Employment Pass (EP) holders on work visas do not. Understanding whether you're EP or PR is the single most important variable for Singapore take-home.
- → Progressive income tax: 0% to 24%, effective rate on S$120k is approximately 10–11%
- → CPF contribution: 20% employee + 17% employer for citizens/PRs (EP holders exempt)
- → Not for Taxation (NFT) income: dividends and capital gains are not taxed in Singapore
Not Ordinarily Resident (NOR) Scheme
The NOR scheme allowed expats splitting time between Singapore and other countries to pay tax only on the time spent in Singapore. It was abolished from YA 2025 and no new NOR certificates are issued. Existing beneficiaries are grandfathered until their 5-year period ends.
Interactive Calculator Coming Soon
A full gross-to-net calculator for Singapore is in development. In the meantime, use the resources below.
Official tax resource