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Personal Tax Reliefs Calculator

Add up your YA2026 Singapore personal income tax reliefs and see your chargeable income after the S$80,000 relief cap.

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Key Reliefs

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Personal income tax relief cap: S$80,000 per Year of Assessment. CPF mandatory employee contributions are automatically included as CPF Relief. The cap does not apply to NSman relief or the Parenthood Tax Rebate (which is a rebate, not a relief).

Estimated Tax Saving from Reliefs

Tax saved by your reliefs
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How personal tax reliefs work

Singapore’s personal income tax system allows you to reduce your taxable (chargeable) income through a range of reliefs. These are deducted from your assessable income before applying the progressive tax rates. The most common and valuable for working Singaporeans are the CPF Relief (mandatory employee contributions) and the Earned Income Relief.

From YA2018, total personal income tax reliefs are capped at S$80,000 per year. If your reliefs exceed S$80,000, only S$80,000 is allowed — so making additional CPF top-ups or SRS contributions beyond the cap provides no further tax benefit. However, the NSman relief and Parenthood Tax Rebate are outside this cap.

Reliefs are deductions from income, not credits. The actual tax saving depends on your marginal rate — at the 11.5% bracket (income S$80k–S$120k), a S$1,000 relief saves S$115 in tax. At the 15% bracket, it saves S$150.

FAQ

What is the S$80,000 relief cap?
From YA2018, total personal income tax reliefs claimed in any one Year of Assessment cannot exceed S$80,000. This cap applies to most reliefs including CPF relief, earned income relief, SRS, and parent/spouse/child reliefs. NSman relief and the Parenthood Tax Rebate are exempt from this cap.
What is the Earned Income Relief?
A basic relief for employment income: S$1,000 for those under 55, S$6,000 for those 55–59, and S$8,000 for those 60 and above. It is automatically granted by IRAS without needing to be claimed separately.
Can I claim CPF top-up relief for my parents?
Yes — you can claim relief of up to S$8,000 per year for CPF cash top-ups made to your own SA/RA, and a further S$8,000 for top-ups made to your parents’, siblings’, grandparents’, or spouse’s SA/RA (subject to them meeting eligibility criteria).
What is the YA2026 tax rebate?
For YA2026, the Government granted a one-time 60% personal income tax rebate, capped at S$200. This rebate is applied after the tax is computed on chargeable income (after reliefs) and directly reduces the tax payable. It is automatically applied by IRAS — you do not need to claim it.