CalculatorTake-home pay
Estimate employee CPF, cash pay and employer cost.
Three salary situations, from gross pay to cash
Each example assumes 2026 full rates for a Singapore citizen or PR from the third year, age 55 or below, with no unpaid leave or other payroll deductions.
A younger employee on SGD 3,500
- Input
- Age 28; monthly OW of SGD 3,500
- Result
- Employee CPF about SGD 700; cash pay about SGD 2,800; employer CPF about SGD 595
- What it means
- The bank credit is not the full remuneration picture. Employer CPF matters when comparing total employment value.
An office employee on SGD 5,000
- Input
- Age 35; monthly OW of SGD 5,000
- Result
- Employee CPF about SGD 1,000; cash pay about SGD 4,000; employer CPF about SGD 850
- What it means
- When comparing offers, check fixed allowances, bonus terms and employer CPF as well as cash pay.
SGD 8,000 salary plus a bonus
- Input
- Age 35; monthly OW of SGD 8,000; separate annual bonus
- Result
- For the ordinary month: employee CPF about SGD 1,600; cash pay about SGD 6,400; employer CPF about SGD 1,360
- What it means
- The bonus is outside this monthly result and may be limited by the annual AW ceiling. Use the Bonus CPF tool next.
How should you use the calculated result?
“Cash pay” deducts employee CPF only. Employer CPF is paid separately by the employer, while income tax, unpaid leave and other authorised deductions are not automatically included.
Use the result to compare job offers
- Start with cash pay for the monthly budget, then add employer CPF, fixed allowances and bonus terms back into the total-remuneration comparison.
- A slightly higher cash result may not make an offer better if the bonus is uncertain or important benefits are reduced.
When should you not use this result directly?
- Select graduated rates for first- and second-year PRs; a separately approved F/G or F/F arrangement cannot use the default G/G result.
- Check payroll directly for wages below SGD 750, an age-band change, back pay, commissions or items that may not be OW.
- This is not annual disposable income. Bonus CPF, personal income tax, insurance and other deductions require separate checks.
Continue with the take-home pay guide
The guide compares simplified payslips at SGD 4,000, 6,000 and 8,000, then explains bonus months, PR status and other deductions.
Open the take-home pay guide
Official source: Open authority guidance
Rules last checked: 7 Sep 2026. See the Sources page.