Singapore Financial Calculators 2026: Tax, CPF & HDB Loan
Use free Singapore financial calculators for 2026: IRAS income tax, CPF contributions & retirement savings, salary after tax, HDB loan eligibility, mortgage payments, GST (9%), cost of living, child care, tuition fees & work permit costs. For residents, PR, and expats.
Last revised
By Team GlobalCalqulate · About our editorial standards
Browse Singapore calculators by topic
Jump straight to the area that matches your decision.
GlobalCalqulate • Singapore Hub
Singapore Financial Calculators
Singapore tools for HDB loan eligibility, CPF contribution, salary after tax, income tax (IRAS), GST, cost of living and family planning — designed for citizens, PRs and expats.
POPULAR SINGAPORE CALCULATORS
Why Singapore-specific calculators matter?
CPF, HDB loan rules, IRAS tax bands, and GST are specific to Singapore. Country-specific calculators provide more realistic planning outcomes.
Singapore calculators
Tools for housing, CPF, tax, family and work planning.
How to use Singapore calculators (correctly)
1) Start with Salary After Tax Calculator to estimate take-home pay.
2) Use CPF Contribution Calculator to validate CPF assumptions.
3) For home planning, compare HDB Loan Calculator with Mortgage Calculator (private).
For taxes, use Income Tax Calculator (IRAS) to estimate liability.
For business purchases, use GST Calculator to compute GST inclusive/exclusive values.
FAQs — Singapore Financial Calculators
Are Singapore calculators free to use?â–¼
Yes. All Singapore calculators on GlobalCalqulate are free to use and require no registration.
Are tax results official IRAS figures?â–¼
No. These calculators are for educational planning and use commonly accepted tax logic. Always confirm official tax amounts with IRAS or a licensed professional.
What calculators are most popular in Singapore?â–¼
The HDB Loan, CPF Contribution, Income Tax and Salary After Tax calculators cover the questions most Singapore residents come here for.
Frequently Asked Questions
How do I calculate my salary after tax in Singapore (2026)?
Use our Singapore salary after tax calculator. Enter your gross annual income in SGD, and select your employment type (employee, self-employed, etc.). The calculator applies the YA 2026 IRAS tax brackets (0% to 24%), CPF contributions (if applicable), and personal reliefs to show your net take-home pay.
Are these Singapore financial calculators accurate for IRAS tax rules?
The income tax, CPF, and GST calculators are built from IRAS tax brackets and CPF Board contribution rates verified against published sources for 2026. A small number of other calculators (for example, Work Permit levy and self-employed MediSave estimates) are explicitly disclosed as estimates where a full primary-source table could not be confirmed — those pages say so directly. In every case, results are estimates for planning purposes and should be verified with official IRAS sources (iras.gov.sg) or a qualified tax professional before filing.
Do these calculators include CPF contributions and retirement planning?
Yes. Our CPF contribution calculator estimates mandatory employee and employer contributions (20% + 17% of salary). Our salary after tax calculator includes CPF deductions. We help you understand CPF retirement savings (OA, SA, Medisave), eligibility for CPF Life (pension), and how CPF can fund HDB purchases.
Can expats and foreign workers use these Singapore calculators?
Yes. Expats, foreign professionals, and work pass holders can use our salary calculator, income tax calculator, and financial planning tools. Our work permit estimator helps calculate sponsorship and licensing costs. Note: CPF contributions depend on employment type and visa class—some expats are not CPF members.
What are the best financial calculators in Singapore?
Top calculators for Singapore financial planning: (1) Salary after tax calculator (IRAS tax + CPF), (2) Income tax calculator (IRAS brackets), (3) CPF contribution calculator (retirement savings), (4) HDB loan calculator (housing eligibility), (5) Mortgage calculator (private property), (6) Cost of living calculator (budget planning), (7) GST calculator (consumption tax). Our 10-calculator suite covers all key financial scenarios.
Do these calculators include HDB loan and mortgage planning?
Yes. Our HDB loan calculator estimates eligibility, monthly payments, and loan amounts for public housing purchases. Our mortgage calculator helps assess affordability and repayment schedules for private property loans over 15-35 years. Both tools account for down payments, interest rates, and lock-in periods.
Can I use these calculator results for official IRAS tax filing in Singapore?
No. These calculators provide estimates for planning purposes only and are not official IRAS tools. For tax filing in Singapore, use official IRAS e-filing system or consult a professional accountant or tax advisor to ensure compliance.
Calculators for Other Countries
Free, country-specific financial calculators for 31 countries — tax laws, salary rules, and investment tools tailored to each region.
United States
Tax, 401k, mortgage, salary
United Kingdom
PAYE, NI, mortgage, ISA
Canada
RRSP, TFSA, CPP, GST/HST
Australia
ATO tax, super, mortgage
India
SIP, PPF, NPS, home loan
France
Income tax, salaire net, TVA, pension
Spain
IRPF, sueldo neto, IVA, Beckham Law
Italy
IRPEF, stipendio netto, IVA, INPS
Poland
PIT, net salary, VAT, ZUS
Belgium
Income tax, net salary, VAT, NSSO
Denmark
Net salary, bundskat, VAT, feriepenge
Austria
Einkommensteuer, net salary, VAT, Sonderzahlungen
Ireland
Income tax, USC, net salary, MyFutureFund
Norway
Trinnskatt, net salary, VAT, wealth tax
Finland
State tax, net salary, VAT, TyEL
Switzerland
Federal tax, VAT, net salary, AHV
Portugal
IRS, net salary, VAT, IFICI
Czech Republic
Income tax, net salary, VAT, social
Romania
Income tax, net salary, VAT, CAS/CASS
Hungary
SZJA, net salary, VAT, TB
Greece
Income tax, net salary, VAT, ENFIA
Croatia
Income tax, net salary, VAT, pension
Bulgaria
10% PIT, net salary, VAT, social
Luxembourg
Income tax, net salary, VAT, CCSS
Iceland
Income tax, net salary, VAT, pension
Germany
Einkommensteuer, Sozialabgaben
Netherlands
Box 1/3 tax, mortgage, VAT
New Zealand
KiwiSaver, PAYE, mortgage
Sweden
Income tax, VAT, pension
UAE
Gratuity, VAT, zakat