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Singapore
SGD · Tax year YA 2026

Singapore

National calculators for every personal finance situation. Income tax, CPF, BSD/ABSD stamp duty, mortgage and GST — all modelled on IRAS, MAS and CPF Board schedules.

Browse all calculators Glossary View all countries
Calculators 23 IRAS-aligned
Glossary Terms 20 CPF, tax and GST
GST 9% from 1 Jan 2024
CPF Rate 20% employee aged 55-
Popular

Income Tax Calculator

Singapore resident income tax across IRAS progressive brackets with reliefs and rebates.

IRAS bracketsPersonal reliefsEarned IncomeResident rates
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Popular

CPF Calculator

Employee and employer CPF contributions by age band and Ordinary Wage Ceiling.

Age bandsEmployer splitOW ceilingOA/SA/MA split
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Popular

Stamp Duty Calculator

Buyer’s Stamp Duty (BSD) and Additional Buyer’s Stamp Duty (ABSD) by residency.

BSD tiered 1–6%ABSD by statusResidentialForeign buyer
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Mortgage Calculator

Home loan repayments with TDSR, MSR and LTV reference rules for Singapore.

TDSR 55%MSR 30%LTV limitsHDB or private
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Car Loan Calculator

Car loan repayments with MAS loan-to-value rules and OMV reference.

LTV 60/70%OMV-basedMax 7 yearsTotal interest
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GST Calculator

Add or remove 9% GST from a price using current IRAS rules.

9% standardAdd GSTRemove GSTFiling reference
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Inflation Calculator

Value of SGD across years using SingStat Consumer Price Index data.

SingStat CPIHistorical SGDPurchasing powerYear-on-year
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Compound Interest Calculator

Savings or SRS growth with regular contributions and selectable compounding.

Regular depositsCompound periodTime horizonGoal mode
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Cost of Living Calculator

Compare living costs between Singapore and overseas locations.

City vs cityRent indexGroceriesTransport
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ROI Calculator

Return on investment and CAGR for Singapore investments. Reflects IRAS rules — no general CGT, badges of trade flagged.

IRAS rulesCAGRBadges of tradeMAS Core Inflation
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CPF LIFE Plan Comparator

Compare the CPF LIFE Standard, Escalating and Basic plans — monthly payouts, lifetime income and bequest for the 2026 cohort.

Standard / EscalatingBasic PlanPayouts from 65CPF Board
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CPF Housing Withdrawal Calculator

How much CPF Ordinary Account can fund a property purchase, under the Valuation Limit and the 120% Withdrawal Limit.

Valuation Limit120% Withdrawal LimitHDB & bank LTVCPF Board
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CPF Accrued Interest Calculator

The CPF refund owed on sale — principal used plus 2.5% accrued interest — and the cash left after repaying the loan.

2.5% p.a. accruedRefund on saleCash proceedsCPF Board
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Property Tax Calculator

IRAS property tax from the Annual Value, using the 2026 owner-occupier and non-owner-occupier progressive rates.

Annual ValueOwner-occupier rates2026 rebateIRAS
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Renovation Loan Calculator

Renovation loan quantum of up to 6 times monthly income, capped at SGD 30,000, with repayments over a 1 to 5 year tenure.

6× monthly incomeSGD 30,000 cap1–5 year tenureEffective rate
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TDSR Calculator

The maximum property loan serviceable under the 55% Total Debt Servicing Ratio, plus the 30% Mortgage Servicing Ratio for HDB flats and ECs.

55% TDSR30% MSR4% rate floorMAS
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HDB Affordability Calculator

The HDB flat price supported by income, CPF and cash under the MSR, TDSR and 75% Loan-to-Value limits.

30% MSR75% LTV2.6% HDB loan4% stress test
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HDB Grant Calculator

CPF housing grants for first-timers — the Enhanced CPF Housing Grant, the resale grant and the Proximity Housing Grant.

EHGResale grantProximity grantHDB
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HDB Resale Levy Calculator

The resale levy payable when a second-timer buys a subsidised flat or EC, and the net sale proceeds left after it.

Second-timer levyBy first flat typeNet proceedsHDB
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Rental Yield Calculator

Gross and net rental yield from price and monthly rent, after property tax at non-owner-occupier rates, outgoings and vacancy.

Gross & net yieldNon-owner-occupierVacancy allowanceIRAS
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Refinance Calculator

Compare a current home loan against a refinanced rate over the same remaining tenure, with the break-even point after costs.

Monthly savingInterest savedBreak-evenLegal & valuation
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Rental Stamp Duty Calculator

IRAS stamp duty on a tenancy or lease agreement — 0.4% of total rent, with the SGD 1,000 exemption applied.

0.4% of rentLeases up to 4 yrsSGD 1,000 exemptionIRAS
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SDL Calculator

Skills Development Levy an employer pays — 0.25% of monthly wages on the first SGD 4,500, min SGD 2 and max SGD 11.25 per employee.

0.25% of wagesFirst SGD 4,500SGD 2 – 11.25IRAS / SSG
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Current Singapore rates

Benchmark CPF, housing and government rates — tracked from CPF Board, MAS and HDB.

As of July 2026
View all rates
CPF Stable
2.50%
CPF Ordinary Account
Statutory interest rate floor
CPF Board
CPF Stable
37%
CPF contribution rate
Total, age 55 & below (20% + 17%)
CPF Board
CPF Higher
SGD 220,400
Full Retirement Sum
2026 cohort
CPF Board
Govt securities Higher
1.70%
6-month T-bill
Latest auction cut-off yield
MAS
Govt securities Higher
2.32%
Savings Bond
10-year average return
MAS
Govt securities Higher
2.46%
10-year SGS bond
Benchmark closing yield
MAS
Motoring Higher
SGD 133,009
COE — Category A
Latest quota premium
LTA
Govt securities Easing
1.20%
3-month SORA
Compounded daily benchmark
MAS
Housing Stable
2.60%
HDB concessionary loan
Pegged to CPF OA rate + 0.10%
HDB
Plan ahead

Upcoming Singapore dates NEW

Tax filing, CPF, GST and tariff dates — sourced from IRAS, CPF Board and EMA.

Open calendar
September 2026
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  • 16SEP
    COE bidding results — September 2026 exercise 2 (expected)
    COE · LTA
    Today
  • 17SEP
    Merchandise trade: Aug 2026
    Trade · SingStat
    Tomorrow
  • 23SEP
    CPI release: Aug 2026
    Inflation · SingStat / MAS / MTI
    This week
See full calendar

What changed this year

Recent rate, bracket and threshold changes from IRAS and the relevant authorities.

1 Jan 2026

CPF Ordinary Wage ceiling raised to SGD 8,000

The monthly Ordinary Wage ceiling rose from SGD 7,400 to SGD 8,000, with the annual salary ceiling at SGD 102,000. Contribution rates for ages 55–65 were also increased.

CPF Board
YA 2026

Personal Income Tax Rebate not extended

The 60% rebate (capped at SGD 200) applied to YA 2025 only. No equivalent rebate is currently legislated for YA 2026.

IRAS
15 Feb 2023

BSD top tiers increased

Buyer’s Stamp Duty rates were raised for the upper bands: 5% on the portion above SGD 1.5m (residential), and 6% on the portion above SGD 3m.

IRAS
27 Apr 2023

ABSD rates raised across the board

Additional Buyer’s Stamp Duty was raised for Singapore Citizens (second property: 20%), PRs (5%/30%/35%) and foreigners (60%).

IRAS
Ongoing

MAS monetary policy stance

The Monetary Authority of Singapore reviews its monetary policy stance semi-annually, influencing SORA-linked mortgage reference rates.

MAS
Know the terms

Singapore financial glossary NEW

20 CPF, income tax and GST terms in plain language — every figure sourced from CPF Board and IRAS, as at 2026.

Open glossary
Browse by category CPF & retirement 13 terms Income tax & GST 7 terms
CEIPSTY
Most looked up Full Retirement Sum (FRS) CPF · The retirement sum set aside at age 55 SGD 220,400 Chargeable income Income tax · Assessable income minus reliefs First SGD 20,000 tax-free CPF contribution rate CPF · Employee 20% + employer 17%, age 55 and below 37% See all 20 terms

Frequently asked questions

Common questions about Money Snap Singapore calculators.

All calculations run in your browser. Inputs are not stored, transmitted or shared by Money Snap.
Resident income tax brackets are sourced from IRAS and reviewed each Year of Assessment.
BSD applies to all property purchases. ABSD applies based on residency status and number of residential properties owned. Both are sourced from IRAS.
The CPF Calculator applies the contribution rates published by the CPF Board for the age band selected, capped at the Ordinary Wage Ceiling.
Yes. Singapore GST was raised to 9% on 1 January 2024, as published by IRAS.
No. Money Snap is an information platform. Results are estimates only and do not constitute financial or tax advice.
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Money Snap Singapore calculators are sourced from IRAS and reviewed each fiscal period. Pass it along to a friend, colleague or family member who might find it useful.

Methodology & data sources

How Money Snap Singapore calculators are built, sourced and maintained.

Data sources
Inland Revenue Authority of Singapore
iras.gov.sg
Resident income tax, BSD/ABSD, GST, property tax
Reviewed quarterly
Central Provident Fund Board
cpf.gov.sg
CPF contribution rates, salary ceilings, retirement sums
Reviewed quarterly
Monetary Authority of Singapore
mas.gov.sg
SORA reference rates, T-bills, Savings Bonds, monetary policy
Reviewed monthly
Department of Statistics Singapore
singstat.gov.sg
CPI for inflation calculations
Reviewed monthly
Methodology
Income tax IRAS resident progressive brackets for Year of Assessment 2026 applied to chargeable income.
CPF Total contribution 37% for ages 55 and below, split as 20% employee and 17% employer, capped at the Ordinary Wage ceiling.
Buyer’s Stamp Duty BSD tiered 1–6% for residential property, effective 15 February 2023.
Mortgage Standard principal-and-interest amortisation with monthly compounding.
Editorial standards
  • Money Snap does not provide financial advice. Results are illustrative estimates only.
  • No product is ranked, recommended or endorsed.
  • No AI-generated investment recommendations are produced anywhere on the platform.
  • Rate figures are sourced exclusively from official government and regulatory channels.

This page is provided for educational and informational purposes only and does not constitute financial advice. Results from linked calculators are estimates based on the inputs provided. Rates, tax brackets and regulations are subject to change. Refer to the Inland Revenue Authority of Singapore (IRAS), the Monetary Authority of Singapore (MAS) and the CPF Board and seek independent professional advice.

Sources: IRAS MAS CPF Board