Singapore Financial Calculators 2026: Tax, CPF & HDB Loan
Use 10+ 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.
By the GlobalCalqulate team, founded by Pavan Kusunuri · About our editorial standards
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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.
MOST SEARCHED IN SINGAPORE
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
18 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?▼
Yes. All Singapore calculators on GlobalCalqulate are free to use and require no registration.
Are tax results official IRAS figures?▼
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?▼
HDB Loan Calculator, CPF Contribution Calculator, Income Tax Calculator, and Salary After Tax Calculator are the most searched tools.
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 2026 IRAS tax brackets (0% to 22%), CPF contributions (if applicable), and allows for tax reliefs to show your net take-home pay.
Are these Singapore financial calculators accurate for IRAS tax rules?
Yes. All calculators follow publicly available IRAS tax brackets, CPF Board contribution rates, HDB eligibility rules, and Singapore government guidelines (2026). 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, locally-accurate financial calculators for 11 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
Germany
Einkommensteuer, Sozialabgaben
Netherlands
Box 1/3 tax, mortgage, VAT
New Zealand
KiwiSaver, PAYE, mortgage
Sweden
Income tax, VAT, pension
UAE
Gratuity, VAT, zakat