Question 1

How is the take-home pay worked out?

Accepted Answer

Your salary and bonus for the year, less your own CPF contribution (citizens and permanent residents only) and income tax on that income at the IRAS rates. Singapore payroll does not withhold income tax each month, so the monthly figure sets aside a twelfth of the year’s tax for you. Only CPF relief is deducted; other reliefs you can claim would lower the tax.

Question 2

Do EP and S Pass holders pay CPF?

Accepted Answer

No. CPF is for Singapore citizens and permanent residents. Neither an Employment Pass nor an S Pass holder contributes, and nor does their employer, so the result shows CPF as not payable and the whole gross is taxed.

Question 3

What changes on 1 January 2027?

Accepted Answer

MOM raises the qualifying salaries for new Employment Pass and S Pass applications from 1 January 2027, with renewals following for passes that expire from 1 January 2028. CPF contribution rates for workers above 55 to 65 also rise. The result shows your offer under both years’ rules side by side, so you can see whether an offer that clears the bar today still clears it next year.

Question 4

If my salary meets the EP floor, will the pass be approved?

Accepted Answer

Not necessarily. The floor is MOM’s published qualifying salary for your age and sector, which is the first stage. Below S$22,500 a month the application must also score 40 points under COMPASS, where several criteria depend on the employer rather than on you. The check is indicative, not an MOM decision; MOM’s self-assessment tool is the closest thing to its own view before you apply.

Question 5

Which rupee rate do you use?

Accepted Answer

If you are visiting from India, the result also shows take-home pay in rupees. It uses the European Central Bank’s daily reference rates, which list both the Singapore dollar and the rupee, and names the date of the rate. It is a reference rate, not a price a bank or remittance service will give you. If no rate under seven days old is available, the rupee figure is left out rather than shown at a stale rate.

Question 6

Do you keep the offer details I type?

Accepted Answer

No. Your inputs stay in this browser so you can come back to them. We work the figures out when you ask and keep nothing. Clear them any time with "Clear my inputs". If you buy the offer pack, we keep only the payment record the payment provider sends us.

Question 7

What is in the offer pack?

Accepted Answer

The same result as a print-ready PDF without the watermark: take-home, CPF, tax and the work pass check under both years’ rules, with every rule’s source and the date we checked it. The free download is the same report with a watermark across it. The price shown beside the button is a single payment and nothing renews.

Question 8

I paid. How do I download the pack again?

Accepted Answer

In the same browser it stays unlocked: check an offer and press download. We also email you a link that unlocks it on any device.

What a Singapore offer pays you, under this year's rules and next

Your result appears here

Where every figure comes from

Rules and when we checked them

Read the rules in full

Questions about the offer checker

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