How do I reduce my tax in Singapore?

Use tax reliefs, SRS contributions, CPF top-ups, and eligible donations to reduce taxable income. Stax lets you model each option and see the total impact instantly.

SRS can be worth it when you are in a higher bracket now and expect a lower tax rate at withdrawal. Stax shows the estimated savings and how it affects your bracket.

How does CPF top up tax relief work?

CPF top-ups reduce your taxable income subject to annual caps. Stax lets you test different top-up amounts and see the relief impact alongside other reliefs.

Singapore Income Tax Calculator 2025 | SRS & CPF Relief Planner

Your profile

AgeResidency

Marital StatusTax Residency

Employment TypeYear of Assessment

Base Salary (Annual)

Bonus (Annual)

Other income

Optional · $0

Expand

Rental

Interest

Royalties / Charges

Other taxable income

Dividends

Taxable dividends

Most Singapore dividends are tax-exempt. Toggle only if taxable.

Total income: $0

Relief Checklist

Answer a few questions for accurate amounts.

Earned Income Relief

Auto by age + income

Based on age and earned income (capped by your earned income).

I have earned income this year

I have a permanent disabilityTaxable earned income (optional)

CPF Relief (Employee)

Auto from CPF contributions

CPF relief is auto-granted by IRAS based on compulsory CPF contributions. This is an estimate.

Estimated employee CPF contributions: $0

Parent Relief

Depends on living status

Amount depends on whether you live with your dependent and if they are disabled.

I have an eligible parent/parent-in-law

Additional Reliefs

Spouse relief is only available if you are married.

Grandparent Caregiver Relief

$3,000

For working mothers with caregiving arrangements.

I am claiming grandparent caregiver relief

Sibling Relief (Disability)

$5,500 each

For supporting a sibling with a disability.

Number of siblings with a disability

Life Insurance Relief

Up to $5,000

Available if CPF contribution is below $5,000.

I want to include life insurance relief

Family & Children

Qualifying Child Relief

Per child

Relief per child; disabled child relief is higher.

Number of qualifying childrenDisabled children

Working Mother’s Child Relief applies only if you are married, divorced, or widowed.

Other Reliefs

Course Fees Relief

Lapsed from YA2026

Up to $5,500 of approved course fees (lapsed from YA2026).

I want to include course fees relief

FDW Levy Relief

Lapsed from YA2025

Relief lapsed from YA2025.

I want to include FDW levy relief

NSman Relief

NSman category

Depends on NSman category and activities.

CPF Estimate

Employee

Employer

Total CPF

Based on monthly salary + bonus, CPF contribution rates, and the annual salary ceiling.

Projected Tax

Based on current inputs

Bracket: 0%

Original Tax

Per month $0

Effective rate 0.00%

Optimized Tax

Per month $0

Effective rate 0.00%

Taxable Income

$0 − $0 = taxable

Total Reliefs

Includes reliefs, SRS, CPF top-ups, and donations.

Total Savings

Includes SRS/CPF top-ups and tax rebates.

You’re currently in the 0% bracket based on $0 taxable income. Adjust reliefs, SRS, or CPF top-ups to reduce taxable income and increase savings.

SRS + CPF Strategy for YA2027

SRS Contribution$0

$0Max: $15,300

Top up for yourself$0

$0Max: $8,000

Top up for family$0

$0Max: $8,000

You have until Dec 31, 2026 to plan your 2026 contributions. Start planning now.

Lower Your Bracket

Guided suggestion

You are already at zero taxable income.

Next step guides

Turn your estimate into an action plan

After checking the numbers, use these guides to decide which tax or retirement move is worth acting on.

Complete Tax Reliefs GuideSee relief caps, eligibility, and year-end moves that can lower assessable income.Open →SRS vs CPF Top-Up GuideCompare which relief gives better savings and when to use both together.Open →Freelance Tax GuidePlan deductions, Medisave, records, and tax filing for self-employed income.Open →

Estimates are simplified. Actual tax reliefs depend on eligibility and current IRAS rules.