Tax Relief Calculator Singapore (YA2026)
Calculate your total eligible tax reliefs and see how much income tax you can save.
What is the Tax Relief Calculator?
The Tax Relief Calculator helps you estimate your total eligible tax reliefs for YA2026 and shows how they reduce your income tax. It covers all major IRAS reliefs including earned income, CPF, NSman, spouse, child, parent, course fees, and CPF top-up reliefs, subject to the $80,000 cap.
Tax Reliefs (cap: $80,000)
Below 55: $1,000. 55-59: $6,000. 60+: $8,000.
Mandatory CPF contributions (auto-calculated).
Voluntary top-ups to SA/RA.
Top-ups for parents/spouse/siblings.
Active: $3,000. Non-active: $1,500. Key appt: $3,500-$5,000.
Spouse income < $4,000/year.
$4,000 per child (unmarried, < 16 or in full-time education).
15%/20%/25% of earned income for 1st/2nd/3rd+ child.
Staying with you: $9,000. Not staying: $5,500.
Staying: $14,000. Not staying: $10,000.
Approved courses for degree/diploma.
If CPF contributions < $5,000.
Supplementary Retirement Scheme contributions.
Enter your income and select reliefs to see your tax savings
Reliefs
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Tax
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Savings
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Quick Reference
- • Personal relief cap: $80,000 total for YA2026
- • Earned income relief: $1,000 (below 55), $6,000 (55-59), $8,000 (60+)
- • CPF top-up relief: up to $8,000 self + $8,000 family
- • Qualifying child relief: $4,000 per child
- • NSman relief: $1,500 (active), $3,000 (key appointment)
How Tax Reliefs Work in Singapore
Tax reliefs reduce your chargeable income, which lowers the amount of income tax you pay. The more reliefs you claim, the less income is subject to tax.
The total personal relief cap is $80,000 for YA2026. Even if your individual reliefs add up to more, IRAS will cap the total deduction at $80,000.
The actual tax savings depend on your marginal tax rate. For example, if you are in the 11.5% bracket, every $1,000 of relief saves you $115 in tax. Those in higher brackets benefit more from the same relief amount.
Common Tax Reliefs (YA2026)
Frequently Asked Questions
What is the personal relief cap in Singapore for YA2026?expand_more
The total personal income tax relief cap is $80,000 for YA2026. This means the combined total of all tax reliefs you claim cannot exceed $80,000, regardless of how many individual reliefs you qualify for.
What types of tax reliefs are available in Singapore?expand_more
Singapore offers numerous tax reliefs including: Earned Income Relief ($1,000-$8,000 by age), CPF Relief (mandatory contributions), NSman Relief ($1,500-$5,000), Spouse Relief ($2,000), Qualifying Child Relief ($4,000 per child), Working Mother's Child Relief (15%-25% of earned income), Parent Relief ($5,500-$14,000), Course Fee Relief (up to $5,500), and Life Insurance Relief (up to $5,000).
How much is the earned income relief by age?expand_more
For YA2026, earned income relief is: $1,000 for those below 55, $6,000 for those aged 55-59, and $8,000 for those aged 60 and above. If you have a disability, the amounts are $4,000, $10,000, and $12,000 respectively.
How do tax reliefs reduce my income tax?expand_more
Tax reliefs are deducted from your total income to arrive at your chargeable income. Your income tax is then calculated on this lower chargeable income using the progressive tax brackets. The higher your marginal tax rate, the more tax savings each dollar of relief provides.
Can I claim CPF top-up as a tax relief?expand_more
Yes. Voluntary CPF top-ups to your own Special/Retirement Account (up to $8,000) and to a loved one's Special/Retirement Account (up to $8,000) qualify for tax relief. This means you can get up to $16,000 in tax relief from CPF top-ups alone.
Sources
- • IRAS (iras.gov.sg) — All personal tax relief types, amounts, and eligibility for YA2026
- • IRAS — Personal relief cap of $80,000 and relief computation rules