Tax

Singapore Tax Relief Optimiser

Compare a Singapore tax-resident employee household before and after eligible relief allocations, SRS and CPF cash actions, donations and Parenthood Tax Rebate use.

✓ Results shown free✓ Dated source references✓ General information only

Live optimiser

Optimises a Singapore tax-resident employee household using YA-versioned IRAS rules verified 24 Aug 2026.

Build your tax-relief plan

Compare your current allocation with the lowest-tax valid household allocation, then test eligible year-end actions.

IRAS · verified 24 Aug 2026

Choose the decision

Plan 2026 actionsActions in 2026 generally affect estimated YA 2027 tax.Check YA 2026Review 2025 income, reliefs and household allocations.

Household included

Taxpayer profiles

Taxpayer A

Age at year endEmployment and earned income*

Other assessable income

Employee CPF Relief

Other fixed personal reliefs

Exclude Earned Income Relief, CPF above, SRS/CPF top-ups, child, parent, spouse, GCR and NSman relief entered elsewhere.Qualifying donations already made

Other tax credits before PTR

Taxpayer has a qualifying disability

Existing reliefs and action headroom

SRS already contributed

Existing CPF cash top-up relief — self

Existing CPF cash top-up relief — family

SRS cap statusConfirmed additional CPF self headroom

Enter only the remaining amount confirmed eligible after CPF balance, FRS/BHS and matching-grant rules.Confirmed additional CPF family headroom

Enter only the remaining amount confirmed eligible after CPF balance, FRS/BHS and matching-grant rules.Automatic NSman Self Relief

Eligible NSman Wife/Parent Relief — S$750

Taxpayer B

Age at year endEmployment and earned income

Other assessable income

Employee CPF Relief

Other fixed personal reliefs

Exclude Earned Income Relief, CPF above, SRS/CPF top-ups, child, parent, spouse, GCR and NSman relief entered elsewhere.Qualifying donations already made

Other tax credits before PTR

Taxpayer has a qualifying disability

Existing reliefs and action headroom

SRS already contributed

Existing CPF cash top-up relief — self

Existing CPF cash top-up relief — family

SRS cap statusConfirmed additional CPF self headroom

Enter only the remaining amount confirmed eligible after CPF balance, FRS/BHS and matching-grant rules.Confirmed additional CPF family headroom

Enter only the remaining amount confirmed eligible after CPF balance, FRS/BHS and matching-grant rules.Automatic NSman Self Relief

Eligible NSman Wife/Parent Relief — S$750

Household reliefs and rebates

Add only claims whose IRAS eligibility conditions have been checked. The optimiser changes allocation, not eligibility.

Qualifying children

Child 1

Child relief typeCurrent share to Taxpayer A

Eligible WMCR claimantWMCR ruleChild order

I confirmed QCR/Child Relief and any WMCR eligibility for this child.

Parent dependants

Spouse ReliefClaimant

Grandparent Caregiver ReliefEligible working-mother claimant

PTR available for household allocation

Current PTR share to Taxpayer A

Actions before 31 December 2026

The cash budget is a maximum. The optimiser stops when extra relief no longer reduces tax.

Maximum retirement-action cash budget

Qualifying IPC donation already intended

Tie preference

I confirmed the entered SRS and CPF amounts are eligible remaining headroom. I understand accepted contributions commit cash and may not be refundable.

All included taxpayers are expected to be Singapore tax residents for the selected YA.

⌁ Calculated in your browser. Inputs leave your device only if you save or export.

Clear outputs

What this tool will show

Each result stays connected to the inputs and rules used.

01Household tax before and after
02Exact estimated tax reduction
03Recommended household relief allocations
04Ranked SRS and CPF cash actions
05Donation effect, PTR use and remaining headroom

Transparency standard

The workings stay visible from day one.

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Official rules

Applied parameters include a source and verification date.

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Assumptions

User inputs and defaults are clearly separated.

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Limits

Scope and exclusions appear beside the result.

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interest.sg provides general information, dated reference data and calculation tools. Results are estimates—not financial, investment, legal, tax, property, valuation, CPF, HDB, lending, insurance or protection advice. Verify material decisions with the relevant authority or a qualified professional.

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