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Singapore Employment Pass COMPASS Calculator 2026: Score, Salary Benchmarks, Bonuses & Exemptions
Singapore's Complementarity Assessment Framework (COMPASS) is the points-based second stage of the Employment Pass (EP) eligibility test. It does not replace the first-stage EP qualifying-salary requirement. In 2026, a new EP candidate generally first needs to meet the applicable fixed monthly salary threshold, starting at S$5,600 outside Financial Services and S$6,200 in Financial Services, with the threshold increasing progressively with age. The current 2026 C1 benchmark set applies to new EP applications from 1 January to 31 December 2026 and to renewals of EPs expiring from 1 July 2026 to 30 June 2027. After Stage 1, a non-exempt application normally needs at least 40 COMPASS points across four foundational criteria: C1 Salary, C2 Qualifications, C3 Diversity and C4 Support for Local Employment. C5 Skills Bonus and C6 Strategic Economic Priorities Bonus can add points, but they are optional bonus criteria rather than the four foundational criteria. Lower points on one criterion can be made up by higher points on another, so COMPASS should not be treated as a requirement to score at least 10 points on every criterion. Small firms with fewer than 25 PMET employees receive default 10-point scores for C3 and C4. C5 can award up to +20 points for an eligible Shortage Occupation List role, but the bonus is reduced to +10 where the candidate's nationality forms at least one-third of the firm's PMETs. C6 awards +10 points where the employer meets the requirements for an eligible Strategic Economic Priorities programme. Candidates with fixed monthly salary of at least S$22,500, qualifying overseas Intra-Corporate Transferees and candidates filling a role for not more than 1 month are exempt from COMPASS. COMPASS has already applied to EP renewals for passes expiring from 1 September 2024 onward; it is therefore incorrect to describe July 2026 as the first date when all EP renewals become subject to COMPASS. This calculator should be used as a planning tool only: C1 benchmarks and firm-level C3/C4 data are maintained by MOM, and the calculator cannot guarantee approval or reproduce MOM's internal assessment exactly.
Singapore S Pass Eligibility, Salary & Levy Calculator 2026
The S Pass is Singapore's work pass for eligible foreign Associate Professionals and Technicians (APTs). For new S Pass applications submitted from 1 September 2025 through 31 December 2026, the minimum qualifying fixed monthly salary starts at S$3,300 for sectors other than financial services and S$3,800 for financial services, with the required salary increasing progressively with age up to S$4,800 and S$5,650 respectively. From 1 January 2027, the starting thresholds will rise to S$3,600 for non-financial-services sectors and S$4,000 for financial services, with age-based thresholds continuing to rise. Employers are also constrained by an S Pass sub-quota of 10% of total workforce in Services and 15% in Construction, Manufacturing, Marine Shipyard and Process sectors, in addition to the broader sector Dependency Ratio Ceiling (DRC) covering Work Permit and S Pass holders together. The current S Pass levy is S$650 per worker per month. Unlike Work Permit holders, S Pass holders do not require an employer security bond, but employers must provide the required medical insurance, including at least S$60,000 annual coverage. Local employees count toward the quota according to the Local Qualifying Salary (LQS): from 1 July 2026, a local employee earning at least S$1,800 per month counts as one local employee, while an employee earning S$900 to below S$1,800 counts as 0.5. The calculator should therefore distinguish candidate salary eligibility from employer quota capacity: meeting the salary threshold alone does not guarantee an S Pass.
IRAS Income Tax Calculator Singapore 2026: Personal Tax Rates, 183-Day Rule & Residency
Singapore personal income tax is assessed on a preceding-year basis. YA 2026 generally covers income earned from 1 January 2025 to 31 December 2025. For foreigners, tax residency is not determined solely by a single 183-day rule: IRAS also has administrative concessions for continuous three-year stays, qualifying employment straddling two calendar years with a total continuous period of at least 183 days, and certain work passes valid for at least one year. Tax residents are generally taxed at progressive rates from 0% to 24% after allowable deductions, donations and personal reliefs. Non-resident employment income is generally taxed at the higher of 15% or the tax computed at resident progressive rates without personal reliefs. Non-residents working in Singapore for 60 days or less can generally qualify for an employment-income exemption, subject to important exclusions. Directors' fees, consultancy fees and other specified non-resident income are generally subject to a 24% rate. This calculator is designed around those distinctions and should be treated as an estimate rather than an official tax assessment.
Singapore Foreign Buyer ABSD & BSD Calculator 2026: 60% ABSD, FTA Remission, PR Rates & Stamp Duty
Singapore residential-property buyers can face two separate acquisition duties: Buyer's Stamp Duty (BSD) and Additional Buyer's Stamp Duty (ABSD). BSD is progressive and is calculated on the higher of the purchase price or market value. For residential property acquired on or after 15 February 2023, the BSD rates are 1% on the first S$180,000, 2% on the next S$180,000, 3% on the next S$640,000, 4% on the next S$500,000, 5% on the next S$1.5 million and 6% on the remaining amount. For an ordinary foreign individual who is neither a Singapore Permanent Resident nor a qualifying person under an applicable Free Trade Agreement, ABSD is 60% on the higher of purchase price or market value for any residential property. Singapore Permanent Residents face 5% ABSD on their first residential property, 30% on their second and 35% on their third and subsequent residential properties. Qualifying persons under Singapore's Free Trade Agreements with the United States and the EFTA countries of Switzerland, Norway, Iceland and Liechtenstein can receive the same stamp-duty treatment as Singapore Citizens, subject to the applicable remission conditions. This is broader than a permanent '0% ABSD on the first home' rule: the remission follows the Singapore-Citizen treatment for the relevant acquisition, so the buyer's property count still matters. IRAS states that nationals and Permanent Residents of Iceland, Liechtenstein, Norway and Switzerland, and nationals of the United States, are eligible for the FTA treatment. The buyer normally obtains the remission certificate through myTax Portal (Stamp Duty Login). The FTA treatment described here concerns qualifying individuals; it should not be extended to a corporate or other entity purchaser merely because its shareholders hold one of those nationalities. Stamp duty is generally due within 14 days after the date of purchase when the instrument is executed in Singapore, with the purchase date generally being the date the OTP is exercised or the sale and purchase agreement is signed where no OTP exists. This calculator is designed for straightforward residential-property acquisitions by individual buyers and does not attempt to calculate special regimes such as trusts, property-holding entities, housing developers, partial interests, mixed-use apportionment, matrimonial remissions, or other statutory concessions.
Singapore CPF PR Contribution Calculator 2026: Graduated Rates, Wage Ceilings, Allocation & CPF Account Closure
Singapore Permanent Residents (SPRs) who are employees covered by the CPF Act can have CPF contributions deducted from wages and paid by both employer and employee. The contribution rate is not determined by PR year alone: the employee's age, monthly wage band, PR year and whether higher contribution rates have been approved can all matter. From 1 January 2026, the Ordinary Wage (OW) ceiling is S$8,000 per month and the overall annual salary ceiling remains S$102,000, with the Additional Wage (AW) ceiling calculated as S$102,000 minus the employee's total OW subject to CPF for the calendar year. For employees aged 55 and below earning more than S$750 in the month, the standard third-year-and-onwards rate is 17% employer plus 20% employee, or 37% total. First- and second-year PRs normally use graduated rates, but CPF Board also provides higher-rate options for eligible first- and second-year PR employees when the employer and employee apply and the Board approves the arrangement. CPF allocation is also age-dependent and changed in 2026 following the closure of the Special Account for members aged 55 and above; therefore a fixed OA/SA/MA split such as 23%/6%/8% of wages is not a reliable universal 2026 rule. When a person is no longer a Singapore Citizen or Permanent Resident after renunciation, CPF Board requires the CPF account to be closed and the remaining CPF savings transferred to the person's bank account. The calculation on this page is intended for employees in the private sector and non-pensionable government employment covered by the standard CPF employee tables; it is not a substitute for CPF Board's official calculator where unusual wage components, phased rates, higher-rate PR elections or other special rules apply.
Singapore Foreign Worker DRC Quota & Levy Calculator 2026
Singapore employers hiring foreign workers are subject to foreign worker quota controls known as the Dependency Ratio Ceiling (DRC). The DRC limits the combined number of Work Permit and S Pass holders that an employer can hire relative to its workforce. The current DRC is 35% for Services, 60% for Manufacturing, 75% for Marine Shipyard and 83.3% for Construction and Process. The number of local employees used for quota calculations is determined using the Local Qualifying Salary (LQS). From July 1, 2026, the LQS is S$1,800 per month for full-time local employees working 35 to 44 hours a week. A local employee earning at least S$1,800 counts as 1 local employee, while one earning at least S$900 but below S$1,800 counts as 0.5. Part-time local employees are assessed using the applicable hourly LQS. MOM calculates the local workforce using salary declarations and CPF information, generally based on the average local workforce over the preceding three months, with special treatment for newly established companies and newly hired employees. The total migrant-worker quota is then calculated using the sector-specific DRC formula and rounded down to the nearest whole worker. In addition to the overall DRC, S Pass sub-quotas apply at 10% of total workforce for Services and 15% for Construction, Manufacturing, Marine Shipyard and Process. Separate PRC Work Permit sub-quotas also apply to Services and Manufacturing. Employers must also pay the applicable foreign worker levy. Work Permit levy rates vary by sector, skill classification, source country or region and quota tier, while the S Pass levy is currently S$650 per month across sectors and levy tiers.
Singapore COE Car Cost, Vehicle Tax & Foreign Driving Licence Conversion Guide 2026
Singapore vehicle costs and foreign driving-licence conversion are governed by different authorities and should not be reduced to a single COE price or a universal 12-month conversion rule. LTA administers vehicle registration, COE and vehicle taxes, while the Traffic Police administers foreign driving-licence conversion. For new cars registered with COEs obtained from the second bidding exercise in February 2023 onwards, the ARF is tiered at 100%, 140%, 190%, 250% and 320% across the relevant OMV bands. In August 2026, the second COE bidding exercise produced Category A and B premiums of S$128,501 and S$131,001 respectively; these are market outcomes, not fixed annual fees. A successful COE gives the right to own and use a vehicle for 10 years, after which it can be deregistered or the COE can be renewed by paying the applicable Prevailing Quota Premium (PQP). Foreign driving-licence conversion is administered by Traffic Police rather than LTA. A foreigner residing in Singapore for less than 12 months may generally drive with a valid foreign licence plus an International Driving Permit (IDP) or accepted English translation, while permanent residents and certain pass holders have conversion obligations. Work Permit and S Pass holders have additional rules, including a 6-month deadline when driving for work and Class 3C on successful conversion. This page separates the car-cost calculation from the licence-conversion pathway.
Singapore Expat Cost of Living & Rent vs Buy Calculator 2026
Singapore's expat budget is highly sensitive to housing, schooling, transport and household lifestyle. There is no single official monthly 'expat cost of living' figure, and private-rental and international-school prices vary materially by property, school and location. This calculator therefore uses user-entered or editable planning assumptions instead of presenting generic market estimates as official averages. It separates monthly living costs from the one-off and recurring costs of buying a private residential property. For rent-versus-buy planning, the calculator can model rent, purchase price, down payment, mortgage rate and term, Buyer’s Stamp Duty (BSD), Additional Buyer’s Stamp Duty (ABSD), property tax, maintenance and a holding period. A foreigner buying Singapore residential property currently faces 60% ABSD on any residential property, in addition to BSD, unless a specific treaty or remission changes the applicable treatment. Foreigners can generally buy a condominium unit in an approved condominium development without Residential Property Act approval, while restricted landed residential properties generally require prior approval from the Singapore Land Authority's Land Dealings Approval Unit. HDB rental has separate eligibility rules and is not interchangeable with private-condominium rental. Public transport fares are distance-based rather than a universal S$150 monthly average; the current adult unlimited monthly travel pass is S$122.
Singapore Citizenship Eligibility & Renunciation Planner 2026
Singapore citizenship is not awarded through a published points calculator. ICA publishes several eligibility routes and then assesses applications holistically, taking into account factors including family ties to Singaporeans, economic contributions, qualifications, age, family profile, length of residency, ability to contribute to and integrate into Singapore society, and commitment to sinking roots. This tool therefore should not manufacture a citizenship score or imply that a particular score guarantees approval. Instead, it identifies which published ICA eligibility route may fit the applicant, checks the most important threshold conditions, shows the current application fee and processing target, and highlights the post-approval stages that can affect planning. For the common adult PR route, the applicant must be a Singapore PR for at least 2 years and be aged 21 or above. Other routes cover a PR spouse of a Singapore citizen, an unmarried child below 21 of a Singapore citizen, certain PR students and qualifying PR aged parents of Singapore citizens. Singapore does not generally permit adults to retain dual citizenship. Successful applicants who are required to divest another citizenship must complete the applicable foreign-renunciation formalities before the Singapore registration stage, while minors who acquired citizenship by descent or registration have a separate oath requirement after 21 and before 22. Male Singapore citizens and Permanent Residents are generally liable for National Service unless exempted, with additional consequences for some people who obtain citizenship or PR under their parents' sponsorship or as foreign students.
Singapore Migrant Domestic Worker (MDW) Levy & Household Cost Calculator 2026
Singapore employers of Migrant Domestic Workers (MDWs) pay a monthly levy to MOM. The current rates are S$300 per month for a normal first helper, S$450 for a normal subsequent helper and S$60 for a qualifying concessionary helper. The concession is available for specific caregiving situations, including a Singapore Citizen child below 16, an eligible elderly person aged 67 or above, or a person with disabilities who permanently requires help with at least one Activity of Daily Living, subject to MOM's household and status conditions. The concession can apply to up to two helpers when there are enough eligible care recipients. Employers must also meet other costs and obligations, including a S$5,000 security bond for each non-Malaysian MDW, medical insurance with at least S$60,000 annual inpatient and day-surgery coverage, personal accident insurance with at least S$60,000 sum assured, Work Permit fees, the helper's salary and other household expenses. This calculator separates recurring levy and cost items from refundable or conditional amounts such as the security bond.
Singapore Pte Ltd Incorporation & Corporate Tax Calculator 2026
A Singapore private company limited by shares (Pte Ltd) is a separate legal entity whose profits are subject to Singapore corporate income tax under the prevailing rules. The headline corporate income tax rate is 17% of chargeable income. Qualifying new start-up companies can claim the start-up tax exemption for their first 3 consecutive Years of Assessment (YAs): 75% exemption on the first S$100,000 of normal chargeable income and 50% on the next S$100,000. Other companies may qualify for partial tax exemption on the first S$200,000. For YA 2026, the current Corporate Income Tax rebate has been enhanced to 50% of corporate tax payable, with a separate S$2,000 CIT Rebate Cash Grant for qualifying active companies that meet the local-employee condition; the combined benefit is capped at S$40,000. This calculator estimates corporate tax from chargeable income and the applicable exemption regime, but it does not calculate tax from accounting profit alone because chargeable income requires tax adjustments. For incorporation, ACRA's current government setup fee is S$315: S$15 for the name application and S$300 for registering the new business entity. Foreigners must engage a Corporate Service Provider and satisfy local-residency and work-pass rules where applicable.
Singapore MOE Tuition Grant, Student's Pass & Graduate LTVP Guide 2026
Singapore's MOE Tuition Grant Scheme subsidises eligible tuition fees at participating publicly funded institutions. The subsidy is not a universal fixed percentage such as 50%; the applicable subsidised fee and grant level depend on the institution, programme, intake and student's citizenship or residency status. Permanent Residents and international students who accept a Tuition Grant are generally required to sign a Tuition Grant Agreement and, after graduation, secure employment and serve a 3-year service obligation with a Singapore entity. Two sureties are required for the Tuition Grant Agreement, and current 2026 institutional guidance states that sureties may be of any nationality, must be at least 21 but below 65 years old, and must not be undischarged bankrupts or otherwise disqualified by MOE's rules. If the student fails to fulfil the Tuition Grant obligations, liquidated damages are calculated based on the Tuition Grant received during the programme plus 10% compounded interest per annum. Separately, foreign students at eligible Institutes of Higher Learning require an ICA Student's Pass unless they already hold an exempting Singapore pass. ICA currently charges S$45 for the Student's Pass application and S$60 for issuance, plus S$30 for a Multiple Journey Visa where applicable. After completing studies, a graduate of an eligible Singapore Institute of Higher Learning can apply for a 1-year, non-renewable LTVP to seek employment in Singapore. This page separates Tuition Grant financial calculations from Student's Pass immigration fees and the post-graduation LTVP route.
Singapore SG Arrival Card (SGAC) & Entry Eligibility Checker 2026
The Singapore SG Arrival Card (SGAC) is a free electronic arrival declaration and Electronic Health Declaration administered by the Immigration & Checkpoints Authority (ICA). Travellers generally must submit it within 3 days including the day of arrival before entering Singapore, but the requirement is not literally universal: travellers transiting or transferring through Singapore without seeking immigration clearance are exempt, and Singapore citizens, Permanent Residents and Long-Term Pass holders entering through the land checkpoints are also exempt. The SGAC is not a visa and does not grant immigration permission by itself. A traveller who is from a visa-required country must still obtain the required visa unless another valid exemption, such as the Visa-Free Transit Facility, applies. A completed SGAC is associated with a Disembarkation/Embarkation (D/E) number and can be received as an acknowledgement email or PDF through the web service. Foreign visitors subsequently receive their Electronic Visit Pass (e-Pass) by email after clearing immigration. This checker should therefore be used as an entry-declaration and deadline tool, not as a substitute for ICA's visa, immigration or health requirements.
Singapore Work Pass Renewal & Expiry Date Guide 2026
Singapore work pass renewal rules differ by pass type, so employers should not use a single renewal deadline for every pass. Employment Pass (EP) and S Pass renewals can generally be submitted up to 6 months before the current pass expires, while Work Permit renewals for migrant workers can only be submitted 7 to 12 weeks before expiry. EP and S Pass renewals are handled through MOM's Employment Pass eService, while Work Permit renewals are handled through WP Online. MOM states that standard online EP renewals are processed or given an update within 10 business days, and S Pass renewals are also processed or given an update within 10 business days. Work Permit renewal has an immediate outcome when the worker is eligible and the required information is in order. Renewal approval is not automatic: the employer and pass holder must continue to satisfy the applicable eligibility, quota, salary, employment and document requirements. Passport validity can limit the duration of a renewed pass. For S Pass and Work Permit renewals, MOM expressly limits the pass validity to one month before passport expiry where the passport would otherwise shorten the granted duration. For Work Permit renewal, a passport generally needs at least 25 months of validity to receive the full two-year permit. For EP renewals, the renewed pass can be granted for up to 3 years, while eligible experienced tech professionals may qualify for a 5-year EP. If an EP or S Pass is cancelled and the holder remains in Singapore, the employer can request a Short-Term Visit Pass (STVP); an EP STVP can be granted for up to 90 days, while an S Pass STVP can be granted for up to 30 days. A cancelled Work Permit holder does not receive the same STVP arrangement: where the worker remains in Singapore after expiry, the employer should request a Special Pass instead. A person must not continue working after the work pass has been cancelled.
Singapore PR PTS Profile Readiness Scorecard 2026
Singapore's current ICA Permanent Residence eligibility page lists holders of an Employment Pass (EP) or S Pass as an eligible work-pass category for PR applications. ICA does not publish a public PTS points calculator, fixed approval score, age scoring table, salary scorecard, industry score, minimum residence threshold, or approval-odds formula. ICA instead assesses applications holistically using factors including family ties to Singaporeans, economic contributions, qualifications, age, family profile and length of residency, together with the applicant's ability to contribute to Singapore, integrate into society and demonstrate a commitment to sinking roots. This page therefore does not pretend to calculate an ICA approval probability. Its calculator is a transparent, non-official readiness checklist that awards one point for each of seven objectively reviewable profile or application conditions and is intended to identify missing evidence or areas that merit review before submission.
Singapore SG Arrival Card (SGAC) ICA Digital Declaration Guide 2026
The Singapore SG Arrival Card (SGAC) is an electronic arrival and health declaration administered by the Immigration & Checkpoints Authority (ICA). It is generally required for travellers entering Singapore and seeking immigration clearance, including foreign visitors and Singapore residents returning by air or sea. The submission is free through ICA's official SGAC e-Service or MyICA Mobile and must be completed within 3 days including the day of arrival. The requirement is not universal: travellers transiting or transferring through Singapore without seeking immigration clearance are exempt, and Singapore citizens, Permanent Residents and Long-Term Pass holders entering through Woodlands or Tuas land checkpoints are exempt. SGAC is not a visa and does not itself grant entry permission, a Visit Pass, work authorisation or a specific duration of stay. Foreign visitors receive an electronic Visit Pass (e-Pass) after successful immigration clearance; the e-Pass states the Visit Pass granted, maximum stay and last permitted day. The SGAC system can also provide access to related declarations, including the separate Physical Currency and Bearer Negotiable Instruments (CBNI) declaration where the traveller carries more than S$20,000 in total value. That cash-reporting requirement is governed by separate legislation and should not be described as a built-in SGAC 'currency limit'.
Singapore CPF Retirement Savings & CPF LIFE Guide 2026
Singapore's CPF system provides retirement savings through the Ordinary Account (OA), Special Account (SA), MediSave Account (MA) and, from age 55, the Retirement Account (RA). The retirement system is not a conventional Government pension: retirement payouts are primarily funded by the member's CPF savings and, for CPF LIFE members, converted into lifelong annuity payouts through a national life annuity scheme. For members turning 55 in **2026**, the **Basic Retirement Sum (BRS) is S$110,200**, the **Full Retirement Sum (FRS) is S$220,400**, and the current **Enhanced Retirement Sum (ERS) is S$440,800**. FRS is double BRS, while from 1 January 2025 the ERS is double the current year's FRS. At age 55, the Retirement Account is created and eligible CPF savings are moved into it up to the applicable retirement-sum amount. If a member has property meeting CPF's conditions, the member may generally withdraw RA savings down to the BRS after setting aside the FRS, subject to the property pledge or charge requirements. CPF LIFE is the national annuity scheme that provides lifelong monthly payouts. Members born in 1958 or later who are Singapore Citizens or Permanent Residents and have at least **S$60,000 in retirement savings when they start monthly payouts** are automatically included in CPF LIFE. Members can generally start payouts from age 65 and defer them up to age 70, with payouts increasing by up to 7% for each year of deferral. The CPF Board's 2026 reference estimate is **S$1,780 per month from age 65** for a male member on the Standard Plan who sets aside the 2026 FRS at age 55.
Singapore Workfare Income Supplement (WIS) & Skills Support Guide 2026
The **Workfare Income Supplement (WIS)** is a Government support scheme that supplements the income and CPF savings of lower-wage Singaporean workers. For Work Year 2026, eligible employees, self-employed persons and platform workers generally need to be Singapore Citizens who are **30 or older as at 31 December of the work year**, or persons with disabilities of any age, with monthly/average income of no more than **S$3,000**, and who satisfy the property and other household conditions. The normal employee income floor is **S$500 per month**, although persons with disabilities, eligible ComCare Short-to-Medium-Term Assistance recipients and qualifying caregivers can receive **concessionary WIS below S$500**. For employees, the enhanced WIS maximums are **S$2,450 for ages 30–34, S$3,500 for 35–44, S$4,200 for 45–59 and S$4,900 for age 60 and above**, with persons with disabilities receiving the age-60-and-above quantum. Employee WIS is paid **40% in cash and 60% as CPF contributions**, while self-employed persons and platform workers receive WIS on the self-employed structure of **10% cash and 90% MediSave**. Employees and platform workers receive WIS monthly, generally two months after the month worked; self-employed persons receive WIS annually after declaring net trade income to IRAS and making the required MediSave contributions. Workfare Skills Support (WSS) is a separate training-support programme. From **1 July 2026**, eligible self-sponsoring lower-wage workers can receive **S$10.50 per training hour** under WSS (Basic), capped at 180 training hours in the WSS eligibility period. WSS (Basic) also provides a Training Commitment Award of up to **S$800 from 1 July 2026**, while employers can receive Absentee Payroll of up to **95% of the trainee's hourly basic salary, capped at S$13 per hour**. Long-form trainees may instead be covered under WSS (Level-Up), which has its own Training Allowance rules.
Singapore HDB Enhanced CPF Housing Grant (EHG) Guide 2026
The **Enhanced CPF Housing Grant (EHG)** is an HDB housing grant for eligible first-timer households buying a new or resale HDB flat, subject to the applicable flat type, household, income, employment and property-ownership conditions. From 20 August 2024, the maximum EHG increased to **S$120,000 for eligible first-timer families** and **S$60,000 for eligible first-timer singles**. For a first-timer family buying an eligible resale flat, the EHG can be combined with the **CPF Housing Grant for Resale Flats (Families) of up to S$80,000** and the **Proximity Housing Grant (PHG) of up to S$30,000**, producing a theoretical maximum of **S$230,000** in housing grants before considering the household's actual eligibility. The maximum grant is not paid to every applicant: the EHG amount is determined using the household's average gross monthly income over the relevant 12-month assessment period. For first-timer families, the current EHG income ceiling is **S$9,000**. For a first-timer single buying a flat alone, the relevant EHG (Singles) income ceiling is **S$7,000**, not S$4,500. EHG is credited into the CPF Ordinary Account of eligible core applicants and can be used to offset the flat purchase price or reduce the housing loan required. An HDB **Flat Eligibility (HFE) letter** gives applicants the upfront assessment of flat eligibility, CPF housing grants and HDB housing-loan eligibility.
CPF Accrued Interest & Property Sale Refund Calculator 2026
When you use CPF savings to pay for a property, the amount withdrawn reduces the CPF savings that would otherwise have remained in your account and earned interest. When the property is sold or transferred, the normal CPF housing refund is the **principal amount withdrawn plus the accrued interest** that the withdrawn savings would have earned. If you pledged the property to meet your retirement sum, the pledged amount may also have to be refunded. The CPF OA interest floor is **2.5% per annum**, and CPF interest is calculated monthly but credited and compounded annually. The exact property-refund amount is therefore best obtained from CPF Board's **Home Ownership Dashboard > What Happens If** rather than from a generic calculator. The amount refunded is generally credited to the OA for members below 55. For members aged 55 and above, the housing refund is first used to top up the Retirement Account to the applicable Full Retirement Sum, with the balance remaining in the OA. A market-value sale can protect the seller from having to make a cash top-up when sale proceeds after the outstanding loan are insufficient to cover the full CPF refund; a below-market sale can result in a cash top-up requirement.
Singapore IRAS Income Tax & Reliefs Calculator Tool 2026
Accurately computing your individual Singapore income tax liability for YA 2026 requires a precise, step-by-step approach: starting from gross employment income (salary + bonus + allowances), subtracting allowable employment expenses where applicable, then deducting all eligible personal reliefs subject to the S$80,000 statutory cap to arrive at chargeable income, and finally applying the 13-bracket progressive tax schedule. Our 2026 Singapore IRAS Income Tax Calculator automates this entire process - it computes Earned Income Relief based on your age tier (S$1,000 for under 55; S$6,000 for 55-59; S$8,000 for 60 and above), applies mandatory CPF Employee Contributions Relief (capped at the S$6,800/month Ordinary Wage ceiling), incorporates voluntary SRS top-up deductions (up to S$15,300 for Citizens/PRs or S$35,700 for foreigners), includes Working Mother's Child Relief (WMCR fixed amounts: S$8,000 for 1st child; S$10,000 for 2nd child; S$12,000 for 3rd+ child), enforces the S$80,000 aggregate relief cap automatically, and produces a step-by-step bracket-level tax breakdown showing both the gross tax and net tax payable after any CPF MediSave contributions claimed. The calculator also displays the effective and marginal tax rates for your income level to assist with financial planning and SRS contribution optimization.
Singapore COMPASS Points, S Pass Levy & ABSD Calculators
Accurately modeling Singapore statutory liabilities is essential for corporate HR compliance and personal financial planning. Our interactive tools compute COMPASS points against MOM sector percentiles, determine S Pass tier quotas and monthly levies, calculate progressive personal income tax liabilities, and estimate Additional Buyer’s Stamp Duty (ABSD) for property acquisitions.
Key 2026 Statutory & Regulatory Checkpoints:
- COMPASS 40-point scorecard simulator based on MOM wage percentiles and university tiers.
- S Pass foreign worker levy tiers and sector-specific Dependency Ratio Ceiling (DRC) calculators.
- ABSD stamp duty estimators reflecting statutory rates for citizens, PRs, and foreign buyers (60%).