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On S$80,000 gross for YA 2026 the cash reaching your account is around S$67,300 a year, about S$5,608 a month. Income tax at this level is only about S$3,350. Employee CPF accounts for a much larger S$9,600, being 20% of wages up to the monthly ceiling.

The distinction matters: CPF is not spent, it is transferred. It lands in your own accounts for retirement, housing and healthcare rather than going to the government.

The scale climbs in small steps:
0% on chargeable income to S$20,000
2% from S$20,001 to S$30,000
3.5% from S$30,001 to S$40,000
7% from S$40,001 to S$80,000
11.5% from S$80,001 to S$120,000
15% from S$120,001 to S$160,000
18% from S$160,001 to S$200,000
19% from S$200,001 to S$240,000
19.5% from S$240,001 to S$280,000
20% from S$280,001 to S$320,000
22% above S$320,000

No, and it is worth being clear about it: CPF is compulsory saving and the money remains yours. Employees under 55 contribute 20% of monthly wages, subject to the S$6,800 ordinary wage ceiling, and the employer adds a further 17% above salary.

It splits three ways: the Ordinary Account for housing and education, the Special Account for retirement, and MediSave for healthcare.

Several, and they add up:
Earned Income Relief: S$1,000 under 55, S$6,000 from 55 to 59, S$8,000 at 60 and over
CPF Relief: mandatory employee contributions are deductible
NSman Relief: S$1,500 to S$3,000 for national servicemen
Parent or Grandparent Relief: S$5,500 to S$14,000 per dependant

Only Earned Income Relief is applied here by default.

For higher earners it is one of the most efficient places in the developed world. The effective income tax rate on S$120,000 is somewhere around 8% to 9%, against roughly 28% on an equivalent £70,000 in the UK.

The honest comparison has to account for the 20% going into CPF, but since that is savings rather than a loss, cash take-home in Singapore still comes out well ahead of western Europe and roughly level with the US before state tax.