Singapore
Singapore calculators
With the values in force in Singapore, the source of each one and the date we checked it.
Official data, updated automatically
An automated process checks the official sources every day. Rule changes go live after we verify them.
- Last review of the rules
- Latest automatic figure
- Consumer Price Index (CPI), all items, 2024 = 100,
- Official sources
- 22 official documents
Pay and work
Pay and extras
- Take-home pay calculator for SingaporeYour take-home pay is what lands in your bank account after your CPF contribution comes off your gross salary.
- Annual leave calculator for SingaporeEmployees covered by the Employment Act get paid annual leave that grows with each year of service.
- Overtime pay calculator for SingaporeOvertime is any work beyond your normal hours of work, not counting breaks. Under the Employment Act it is paid at least 1.5 times your hourly basic rate.
- Hourly to salary calculatorHow much is your salary per hour? What does an hourly offer come to per year? Enter an amount, pick the period and we show all the others.
- Pay raise calculatorYou have been offered a raise, or you are about to ask for one. Enter your pay and the raise, as a percentage or an amount, and see how much changes each month and year.
- Time card calculatorPick the start and end time for each day, your unpaid break and your hourly pay. We show total hours, overtime and your pay for the week.
Leaving a job
- Notice period calculator for SingaporeWhen you resign or your employer ends your contract, you must give notice or pay salary in lieu of notice.
- Retrenchment benefit calculator for SingaporeRetrenchment benefit is paid to compensate employees who lose their job because of retrenchment. No law fixes the amount.
Taxes
- Singapore income tax calculator for residentsSingapore taxes residents at progressive rates: the first part of your chargeable income is tax-free and each band above it pays a higher rate.
- CPF contribution calculatorEvery month, employers pay CPF for their Singapore Citizen and PR employees. Part of it is deducted from the employee's pay and the rest is paid by the employer.
- Employer cost calculator for SingaporeHiring someone costs more than their salary. For Singapore Citizens and PRs you pay employer CPF on top, and for all staff you pay the Skills Development Levy (SDL).
- GST calculator for SingaporeGoods and Services Tax (GST) is charged on most goods and services sold in Singapore. The rate is 9%.
Money and indexes
Loans, savings and investing
- Loan calculatorBefore you sign for a loan, two numbers matter: what you pay each month and what the loan costs you in interest.
- APR to APY calculatorTwo offers with the same rate can cost different amounts. The difference is how often interest is charged or paid.
- Mortgage calculatorA mortgage is the biggest debt most households ever take on. It pays to see the full numbers before you talk to a lender.
- Rent vs buy calculatorComparing the mortgage payment with the rent is not enough. Buyers pay interest, upkeep and property tax, but they end up owning the home. Renters can keep the down payment invested.
- Compound interest calculatorWith compound interest, the interest is added to your balance and starts earning interest of its own. That is why savings grow faster and faster.
- Simple interest calculatorSimple interest is always worked out on the original principal: interest is not added to the balance during the term.
- Savings goal calculatorA trip, a car, a deposit on a home or a cushion for surprises. A goal with an amount and a date is much easier to hit.
- Retirement savings calculatorA state pension often is not enough to keep your standard of living. Savings of your own, even small ones, make a big difference if you start early.
- Credit card payoff calculatorA credit card is usually the most expensive debt you have. Paying only the minimum stretches it out for years and piles on interest.
- 50/30/20 budget calculatorThe 50/30/20 rule is a simple way to plan your month. Half goes to essentials, 30% to things you enjoy and 20% to savings.
- Emergency fund calculatorAn emergency fund is money set aside for what you can't plan for: losing your job, a health problem or an urgent home repair.
- Car cost calculatorMost people know what they spend on fuel. Few add up insurance, maintenance, parking and, above all, the value the car loses every year.
Business and self-employment
- ROI calculatorA 50% gain sounds great, but it is not the same over 2 years as over 10. To compare investments you need the return per year.
- Profit margin calculatorMargin and markup get mixed up all the time, and the difference can cost you money. Both measure the same profit, but against a different base.
- Break-even calculatorThe break-even point is the level of sales where a business neither makes nor loses money. Below it you lose, above it you start to profit.
- Freelance rate calculatorThe most common freelance mistake is taking the salary you would want as an employee and dividing it by 160 hours. That leaves out taxes, expenses, vacation and every hour you can't bill.
Other calculators
- CPF allocation calculator: OA, SA, MA and RAYour CPF contribution does not go into one pot. It is split between your Ordinary Account, your Special Account (or Retirement Account from 55) and your MediSave Account.
- CPF interest calculatorYour CPF savings earn interest set by the Government every quarter, and the Government pays extra interest on the first part of your balances.
- Non-resident tax calculator for SingaporeIf you are not a tax resident, Singapore taxes your employment income differently: you pay the higher of a flat rate or the progressive resident rates, and you cannot claim reliefs.
- SRS tax savings calculatorMoney you put into your Supplementary Retirement Scheme (SRS) account is taken off your chargeable income, so it lowers your income tax for the year.
- Buyer's Stamp Duty calculatorBuyer's Stamp Duty (BSD) is paid on the documents you sign when you buy property in Singapore, including HDB flats.
- ABSD calculator: Additional Buyer's Stamp DutyAdditional Buyer's Stamp Duty (ABSD) is paid on top of Buyer's Stamp Duty when you buy a residential property, depending on who you are and how many homes you already own.
- Seller's Stamp Duty calculatorSeller's Stamp Duty (SSD) is paid when you sell a residential property within a set period after buying it. The sooner you sell, the higher the rate.
- Property tax calculator for SingaporeProperty tax is paid every year by property owners in Singapore. It is worked out on the Annual Value, which is the yearly rent IRAS estimates your property could fetch.
- TDSR and MSR calculator: how much can you borrow?Banks in Singapore must check that your debt repayments stay within limits set by MAS before they grant a property loan.
- HDB loan calculatorAn HDB housing loan charges the HDB concessionary interest rate, which is set at 0.1% above the CPF Ordinary Account rate.
- Sick leave calculator for SingaporeEmployees covered by the Employment Act get paid outpatient sick leave and paid hospitalisation leave once they have worked for their employer for 3 months.