Net Salary Calculator
Estimate your take-home pay after CPF contributions.
What this estimate includes
The estimate treats CPF as the main monthly deduction for citizens and permanent residents. Income tax is shown separately as an annual planning figure because it is generally not withheld from each monthly salary. Allowances, regular commission and the wage ceilings entered by the calculator affect the result.
Check before deciding
Personal reliefs, Additional Wage details, PR status changes and special CPF schemes can change the final amount. Confirm CPF with your payslip and use an IRAS assessment for the income-tax figure.
Frequently asked questions
What is net salary (take-home pay)?
Net salary is what actually lands in your bank account after statutory deductions and tax are taken from your gross pay. This calculator estimates it using Singapore's current rules.
What should I compare with my payslip?
Check the gross-pay period, pre-tax benefits, statutory contributions, tax withholding and any local deductions. A mismatch in one input can explain a large difference in the final take-home figure.
How accurate are the results?
The math follows published rates and brackets, so it is a close estimate for planning. For an exact figure, confirm with your employer's payroll or a licensed adviser.
What is the difference between gross and net pay?
Gross pay is your full salary before anything is taken out. Net pay is what remains after mandatory contributions and income tax, and it is the amount you can actually budget with.