Calculators

11 tools: CPF contribution calculator, Take-home pay calculator (Singapore), Singapore income tax calculator, Singapore stamp duty calculator, Singapore mortgage calculator (HDB loan and bank loan), Singapore GST calculator, Date calculator, Age calculator, BMI calculator, Percentage calculator, Password generator. All tools are free of cost and do not require registration.

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CPF contribution calculator

From 1 January 2026, employees aged 55 and below contribute 20% and employers 17% of monthly wages up to the Ordinary Wage ceiling of $8,000. On a salary of $5,000, CPF is $1,850 a month: $1,000 from the employee and $850 from the employer.

  • 2026 rates, and the 2027 rates for ages above 55 to 65.
  • Employee and employer share, with the OA, SA or RA and MA allocation.
  • Bonus within the Additional Wage ceiling, and first-year and second-year PR rates.
Calculate CPF

CPF contribution rates (monthly wages above $750)

55 and below
20% + 17%
Above 55 to 60
18% + 16%
Above 60 to 65
12.5% + 12.5%
Above 65 to 70
7.5% + 9%
Above 70
5% + 7.5%

Ordinary Wage ceiling: $8,000 a month. From 1 January 2027, the rates for ages above 55 to 65 increase as announced in Budget 2026. The graduated rates for first-year and second-year PRs are unchanged.

Sources: CPF Board; Ministry of FinanceChecked: October 2026

Take-home pay calculator (Singapore)

Take-home pay is your monthly salary minus your own CPF contribution. At the 2026 rates, an employee aged 55 or below on a $5,000 salary contributes $1,000 and takes home $4,000. Foreigners on work passes do not contribute to CPF.

  • Salary after your CPF contribution, at the 2026 and 2027 rates.
  • For citizens, PRs and foreigners on work passes.
  • Includes your bonus within the Additional Wage ceiling.
Calculate take-home pay

CPF contribution rates (monthly wages above $750)

55 and below
20% + 17%
Above 55 to 60
18% + 16%
Above 60 to 65
12.5% + 12.5%
Above 65 to 70
7.5% + 9%
Above 70
5% + 7.5%

Ordinary Wage ceiling: $8,000 a month. From 1 January 2027, the rates for ages above 55 to 65 increase as announced in Budget 2026. The graduated rates for first-year and second-year PRs are unchanged.

Sources: CPF Board; Ministry of FinanceChecked: October 2026

Singapore income tax calculator

Tax residents pay 0% on the first $20,000 of chargeable income, rising to 24% above $1 million. There is no Personal Income Tax Rebate for YA 2026. On a salary of $6,000 a month, aged 30, the tax for YA 2026 is $1,712.

  • YA 2026 resident rates from 0% to 24%, with no rebate.
  • Common reliefs within the $80,000 cap.
  • Non-residents: 15% or resident rates, whichever is higher.
Calculate income tax

Resident tax rates (YA 2026)

Above $20,000
2%
Above $40,000
7%
Above $80,000
11.5%
Above $120,000
15%
Above $320,000
22%
Above $1,000,000
24%

The first $20,000 is taxed at 0%. Reliefs are capped at $80,000. There is no Personal Income Tax Rebate for YA 2026.

Sources: Inland Revenue Authority of Singapore; Ministry of FinanceChecked: October 2026

Singapore stamp duty calculator

BSD on a home is 1% to 6% of the price or market value, whichever is higher. ABSD is 20% for a citizen's second home, 5% for a PR's first home and 60% for foreigners. For homes bought from 4 July 2025, SSD is 16% if sold within 1 year. A citizen's first home at $1,000,000 attracts BSD of $24,600.

  • BSD and ABSD for citizens, PRs, foreigners and entities.
  • SSD at the rates for homes bought from 4 July 2025.
  • Lease duty on tenancy agreements.
Calculate stamp duty

ABSD rates (from 27 April 2023)

Singapore Citizen
0% / 20% / 30%
Singapore Permanent Resident
5% / 30% / 35%
Foreigner
60% / 60% / 60%
Entity (company)
65% / 65% / 65%

SSD for homes bought from 4 July 2025: 16%, 12%, 8% and 4% if sold within 1, 2, 3 and 4 years.

Sources: Inland Revenue Authority of SingaporeChecked: October 2026

Singapore mortgage calculator (HDB loan and bank loan)

The HDB loan rate is 2.6% a year from 1 October to 31 December 2026. An HDB loan of $400,000 over 25 years costs $1,814.68 a month. Bank loans are assessed at an interest rate of at least 4% for the 55% TDSR limit.

  • HDB loan at 2.6% or a bank loan at your own rate.
  • Loan-to-value limit and minimum cash down payment.
  • MSR 30% and TDSR 55% income checks.
Calculate mortgage

Loan limits

HDB loan rate1 October to 31 December 2026
2.6%
HDB loan
75% of the price, up to 25 years
Bank loan, first housing loan
75% of the price
TDSRAssessed at 4% or higher
55% of income
MSR (HDB flats)
30% of income

Sources: Housing & Development Board; Monetary Authority of SingaporeChecked: October 2026

Singapore GST calculator

The GST rate in Singapore is 9% from 1 January 2024. $100 before GST is $109 with GST. The GST included in a price is the price × 9/109, so a price of $90 includes $7.43 of GST.

  • Add 9% GST to a price.
  • Find the GST included in a price with the 9/109 tax fraction.
  • Rounded to the cent, as allowed by IRAS.
Calculate GST

GST in Singapore

GST rate
9%
GST in a price including GST
Price × 9/109

Sources: Inland Revenue Authority of SingaporeChecked: October 2026

Date calculator

Find the number of days between two dates, or the date a given number of days before or after a date. For example, 1 January to 31 December 2026 is 364 days, or 365 days if the end date is included.

  • Days between two dates in days, weeks, and years, months and days. The end date can be included.
  • The number of days from Monday to Friday is also shown.
  • The date a given number of days before or after a date, with the day of the week.
Calculate dates

Worked examples

Number of days in 2026, counting both dates
365 days, of which 261 are Monday to Friday
28 February to 1 March in a leap year
2 days, of which 2 are Monday to Friday
100 days after 26 October 2026
Wednesday, 3 February 2027

Age calculator

Find your exact age in years, months and days on today's date or on a given date. For example, a person born on 15 May 1990 is 36 years, 5 months and 11 days old on 26 October 2026.

  • Exact age in years, months and days from the date of birth.
  • Age as on today's date or on the cut-off date in an exam or job notice.
  • Total days since birth and the date of the next birthday.
Calculate age

Worked examples

Born on 15 May 1990, age on 26 October 2026
36 years, 5 months and 11 days; 13,313 days since birth
Born on 29 February 2000, age on 28 February 2027 (not a leap year)
27 years, 0 months and 0 days; 9,861 days since birth

BMI calculator

BMI = weight (kg) ÷ height (m)². As per the Health Promotion Board, a BMI of 18.5 to 22.9 is healthy, 23.0 to 27.4 puts you at moderate risk, and 27.5 and above at high risk of weight-related health problems.

  • Risk levels as per the Health Promotion Board: 18.5, 23.0 and 27.5.
  • Shows the healthy weight range for your height.
  • Height in cm or in feet and inches; weight in kg or pounds.
Calculate BMI

Categories as per the Health Promotion Board risk levels for adults in Singapore

Below the healthy range
Below 18.5
Healthy
18.5 to 22.9
Moderate risk
23.0 to 27.4
High risk
27.5 and above

BMI = weight (kg) ÷ height (m)².

Sources: Health Promotion Board (HealthHub)Checked: October 2026

Percentage calculator

Percentage = part ÷ whole × 100. For example, 30 is 25% of 120, and marks of 450 out of 600 are 75%. A change from 48 to 60 is an increase of 25%.

  • A percentage of a number, and what percent one number is of another.
  • Percentage of marks out of a total.
  • Percentage increase or decrease.
Calculate percentage

Worked examples

What is 15% of 80?
15% of 80 is 12.
30 is what percent of 120?
30 is 25% of 120.
Marks of 450 out of 600 as a percentage
450 is 75% of 600.
Change from 48 to 60
From 48 to 60 is an increase of 25%.

Password generator

Generate strong random passwords in your browser. The default is 16 characters with capital and small letters, numbers and special characters, about 102 bits of entropy. You can change the length and the characters, or create a numeric PIN.

  • Generated in your browser; nothing is sent or stored.
  • 4 to 128 characters with the types of characters you choose.
  • Also numeric PINs and Wi-Fi passwords.
Generate a password