{"id":392,"date":"2024-01-19T07:05:28","date_gmt":"2024-01-19T07:05:28","guid":{"rendered":"https:\/\/www.info-tech.com.sg\/blog\/?p=392"},"modified":"2026-02-24T06:38:37","modified_gmt":"2026-02-24T06:38:37","slug":"ways-to-reduce-your-personal-income-tax-for-singapore-tax-residents","status":"publish","type":"post","link":"https:\/\/www.info-tech.com.sg\/blog\/ways-to-reduce-your-personal-income-tax-for-singapore-tax-residents\/","title":{"rendered":"Ways to Reduce Your Personal Income Tax for Singapore Tax Residents\u00a0\u00a0"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\"><strong>Introduction: Paying Less Tax&nbsp;<\/strong><\/h2>\n\n\n\n<p>Income tax is unavoidable when you earn money in Singapore \u2014 <strong>but your planning affects how much you pay.<\/strong>&nbsp;<\/p>\n\n\n\n<p>For <strong>Year of Assessment (YA) 2025<\/strong>, the <strong>personal income tax filing deadlines<\/strong> stay the same:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>15 April 2025 \u2014 Paper filing&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>18 April 2025 \u2014 E-Filing via myTax Portal (IRAS)&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>New tax brackets and updated relief caps make it essential to understand what you&#8217;re entitled to. This knowledge helps you pay just the right amount \u2014 not a cent more. Let us go over the basics of personal income tax for Singapore tax residents as laid out by the \u202f<a href=\"https:\/\/www.iras.gov.sg\/taxes\/individual-income-tax\/basics-of-individual-income-tax\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Inland Revenue Authority of Singapore<\/strong><\/a>.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Who Qualifies as a Singapore Tax Resident?&nbsp;<\/strong><\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You qualify as a <strong>tax resident<\/strong> for a specific YA if:&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>You&#8217;re a <strong>Singapore Citizen<\/strong> or <strong>Permanent Resident (PR)<\/strong> who lives in Singapore; or&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>You&#8217;re a <strong>foreigner<\/strong> who has:&nbsp;&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Had a job in Singapore for <strong>at least 183 days<\/strong> in the last calendar year; or&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Worked non-stop for <strong>three years in a row<\/strong>; or&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Been employed across <strong>two calendar years<\/strong> for at least <strong>183 days in total<\/strong> (under the two-year administrative concession).&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Tax residents<\/strong> pay taxes on all <strong>income they earn in Singapore<\/strong> but get these benefits:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They can claim personal reliefs and deductions&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Their foreign-sourced income is tax-free (except when it comes through local partnerships)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>They pay taxes at rates that go from 0% to 24% (starting in YA2025)&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2025 Income Tax Brackets (Residents)&nbsp;<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Chargeable Income (SGD)<\/strong>&nbsp;<\/td><td><strong>Tax Rate (%)<\/strong>&nbsp;<\/td><td><strong>Tax Payable (SGD)<\/strong>&nbsp;<\/td><\/tr><tr><td>First $20,000&nbsp;<\/td><td>0%&nbsp;<\/td><td>$0&nbsp;<\/td><\/tr><tr><td>Next $10,000&nbsp;<\/td><td>2%&nbsp;<\/td><td>$200&nbsp;<\/td><\/tr><tr><td>Next $10,000&nbsp;<\/td><td>3.5%&nbsp;<\/td><td>$350&nbsp;<\/td><\/tr><tr><td>Next $40,000&nbsp;<\/td><td>7%&nbsp;<\/td><td>$2,800&nbsp;<\/td><\/tr><tr><td>Next $40,000&nbsp;<\/td><td>11.5%&nbsp;<\/td><td>$4,600&nbsp;<\/td><\/tr><tr><td>Next $40,000&nbsp;<\/td><td>15%&nbsp;<\/td><td>$6,000&nbsp;<\/td><\/tr><tr><td>Next $40,000&nbsp;<\/td><td>18%&nbsp;<\/td><td>$7,200&nbsp;<\/td><\/tr><tr><td>Next $40,000&nbsp;<\/td><td>19%&nbsp;<\/td><td>$7,600&nbsp;<\/td><\/tr><tr><td>Next $40,000&nbsp;<\/td><td>19.5%&nbsp;<\/td><td>$7,800&nbsp;<\/td><\/tr><tr><td>Next $40,000&nbsp;<\/td><td>20%&nbsp;<\/td><td>$8,000&nbsp;<\/td><\/tr><tr><td>Next $40,000&nbsp;<\/td><td>22%&nbsp;<\/td><td>$8,800&nbsp;<\/td><\/tr><tr><td>Next $500,000&nbsp;<\/td><td>23%&nbsp;<\/td><td>\u2014&nbsp;<\/td><\/tr><tr><td>Above $1,000,000&nbsp;<\/td><td>24%&nbsp;<\/td><td>\u2014&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Note<\/strong>: The highest tax rate for top earners has gone up from 22% (YA2023) to <strong>23%\u201324% starting YA2024.<\/strong>&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Effective Methods to Lower Your Personal Income Tax in 2025&nbsp;<\/strong><\/h2>\n\n\n\n<p>These <strong>deductions and reliefs approved by IRAS<\/strong> can have a significant impact on reducing your taxable income for <strong>YA2025\u20132026<\/strong>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>1. CPF Cash Top-Up Relief&nbsp;<\/strong><\/h3>\n\n\n\n<p><strong>Top up your own<\/strong> or your family members&#8217; CPF accounts (Retirement Account or Special Account) with cash to get <strong>tax reliefs of up to $8,000 for yourself and $8,000 for your family members.<\/strong>&nbsp;<\/p>\n\n\n\n<p><strong>Conditions:&nbsp;<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your spouse or siblings must earn no more than <strong>$4,000 annually<\/strong> in the year before the top-up.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>This applies to top-ups made through the <strong>CPF Retirement Sum Topping-Up Scheme (RSTU).<\/strong>&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Both employees and self-employed individuals can claim this relief.&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Heads Up:<\/strong> To qualify for next year&#8217;s tax relief, make sure to top up your CPF before <strong>December 31, 2025.<\/strong>&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>2. Tax Break for Donations&nbsp;<\/strong><\/h3>\n\n\n\n<p>Help local charities and get a <strong>250% tax break<\/strong> when you donate to approved <strong>Institutions of a Public Character (IPCs)<\/strong> or the Community Chest.&nbsp;<\/p>\n\n\n\n<p><strong>Donations that Qualify:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Cash gifts to approved IPCs&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gifts of traded shares or unit trusts&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Approved artifacts, sculptures, or artwork to the National Heritage Board&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Naming gifts to approved projects or facilities&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Non-Deductible Gifts:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gifts to non-IPC charities&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Gifts of goods or services&nbsp;<\/li>\n\n\n\n<li><strong>Example<\/strong>: Give $1,000 \u2192 Get a $2,500 tax break.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>3. Course Fee Break (Up to $5,500 per YA)&nbsp;<\/strong><\/h3>\n\n\n\n<p>When you spend money to improve your skills or attend professional courses, you can claim a <strong>Course Fee Break<\/strong> up to <strong>$5,500<\/strong>.&nbsp;<\/p>\n\n\n\n<p><strong>Courses That Qualify:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Qualifications for professionals or vocational employees&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Courses, seminars, or conferences related to your job&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Not Eligible:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Classes for hobbies or leisure activities (like photography or sports)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Courses that don&#8217;t connect to your trade or profession&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>University\/polytechnic classes taken before your first full-time job&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Tip<\/strong>: You can&#8217;t claim relief for fees your employer pays back or that you pay with <strong>SkillsFuture Credit.<\/strong>&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>4. Life Insurance Relief&nbsp;<\/strong><\/h3>\n\n\n\n<p>You can claim <strong>Life Insurance Relief<\/strong> if your <strong>CPF contributions were less than $5,000<\/strong> last year and you paid premiums for:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your own life insurance policy&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your spouse&#8217;s policy (for married men)&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Conditions:<\/strong>&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The policy must be with an insurer registered in Singapore&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The relief is the smaller of $5,000 minus CPF contribution or 7% of the policy value or premium paid&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Does not include:&nbsp;<\/strong>&nbsp;<\/p>\n\n\n\n<p>Riders for accidents, hospital stays, MediShield, CareShield, and critical illnesses.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>5. Get Approved Tax Breaks&nbsp;<\/strong><\/h3>\n\n\n\n<p>IRAS offers several personal tax breaks to help lower your taxable income:&nbsp;<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Relief Type<\/strong>&nbsp;<\/td><td><strong>Eligibility<\/strong>&nbsp;<\/td><td><strong>Maximum Relief (SGD)<\/strong>&nbsp;<\/td><\/tr><tr><td>Parent Relief&nbsp;<\/td><td>Supporting elderly parents (\u226555 years)&nbsp;<\/td><td>$9,000 (co-residing) \/ $5,500 (non co-residing)&nbsp;<\/td><\/tr><tr><td>Spouse Relief&nbsp;<\/td><td>Supporting unemployed spouse&nbsp;<\/td><td>$2,000&nbsp;<\/td><\/tr><tr><td>NSman Relief&nbsp;<\/td><td>For male Singapore Citizens&nbsp;<\/td><td>Up to $5,000&nbsp;<\/td><\/tr><tr><td>Working Mother Child Relief (WMCR)&nbsp;<\/td><td>Working mothers supporting children&nbsp;<\/td><td>Up to 15%\u201325% of earned income&nbsp;<\/td><\/tr><tr><td>Earned Income Relief&nbsp;<\/td><td>Based on age and employment&nbsp;<\/td><td>Up to $8,000&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>Note<\/strong>: All personal reliefs have a limit of $80,000 per Year of Assessment.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>6. More Clever Ways to Save on Taxes&nbsp;<\/strong><\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Put money into your Medisave<\/strong> \u2014 to save and get health-related tax perks.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Think about your bonuses and allowances<\/strong> \u2014 try to spread them across years if you can.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Save all your receipts<\/strong> for course fees, donations, and CPF top-ups in case of an audit.&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Check out the IRAS myTax Portal<\/strong> to see your relief limit and make sure you don&#8217;t go over $80,000 in total.&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Example: Tax Savings Breakdown&nbsp;<\/strong><\/h2>\n\n\n\n<p>Let&#8217;s say your <strong>annual income is $80,000<\/strong>. You can get:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>CPF Top-Up Relief: $8,000&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Course Fee Relief: $3,000&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Donation Relief: $2,500 (from $1,000 donation)&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Parent Relief: $9,000&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Total Reliefs: $22,500&nbsp;&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Taxable Income: $57,500&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Result<\/strong>: Your total tax payable decreases from ~$3,350 to ~$1,475 \u2014 over 55% tax savings.&nbsp;<\/p>\n\n\n\n<p class=\"has-black-color has-text-color has-background has-link-color wp-elements-f791265a71dcfc44018279adc0c42729\" style=\"background-color:#f9a200\"><strong>Know More About\u202f <a href=\"https:\/\/www.info-tech.com.sg\/cpf-calculator\">CPF Calculator<\/a>\u202f for Singapore Citizens and PR&nbsp;<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Final Thoughts: Start File with Confidence&nbsp;<\/strong><\/h2>\n\n\n\n<p>Smart tax planning allows you to cut your <strong>tax burden within the law<\/strong> while boosting your retirement, job skills, and support for local causes.&nbsp;<\/p>\n\n\n\n<p>Get ready for <strong>YA2026<\/strong> by:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Checking your CPF top-ups and donation records&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Keeping tabs on eligible reliefs&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Using digital tools to make record-keeping and submission easier&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>File Taxes More with Info-Tech&#8217;s Accounting Software&nbsp;<\/strong><\/h2>\n\n\n\n<p>Info-Tech&#8217;s <strong><a href=\"https:\/\/www.info-tech.com.sg\/cloud-accounting-software\">Accounting<\/a> &amp; <a href=\"https:\/\/www.info-tech.com.sg\/payroll-software\">Payroll Software<\/a><\/strong> helps people and companies handle tax reporting well by:&nbsp;<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Keeping track of CPF contributions and top-ups&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Handling employee deductions and donations&nbsp;<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Creating IRAS-ready tax reports&nbsp;<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Frequently Asked Questions:<\/strong><\/h2>\n\n\n\n<div class=\"container\">\n       \n        <div class=\"mi-faq\">\n          <div class=\"accordion\" id=\"accordionExample\">\n            <div class=\"card\">\n              <div class=\"card-head\" id=\"headingOne\">\n                <div class=\"acc-arrow\" data-toggle=\"collapse\" data-target=\"#collapseOne\" aria-expanded=\"true\" aria-controls=\"collapseOne\">\n                  <h4 class=\"Positionheader\">What&#8217;s the deadline to file income tax in Singapore for YA2025?<\/h4>\n                <\/div>\n              <\/div>\n              <div id=\"collapseOne\" class=\"collapse show\" aria-labelledby=\"headingOne\" data-parent=\"#accordionExample\">\n                <div class=\"card-body\">\n                  <p>You must file by April 15, 2025 (paper) or April 18, 2025 (online).<\/p>\n                <\/div>\n              <\/div>\n            <\/div>\n            <div class=\"card\">\n              <div class=\"card-head\" id=\"headingtwo\">\n                <div class=\"collapsed acc-arrow\" data-toggle=\"collapse\" data-target=\"#collapsetwo\" aria-expanded=\"false\" aria-controls=\"collapsetwo\">\n                  <h4 class=\"Positionheader\">How much tax relief can I claim in Singapore at most?<\/h4>\n                <\/div>\n              <\/div>\n              <div id=\"collapsetwo\" class=\"collapse\" aria-labelledby=\"headingtwo\" data-parent=\"#accordionExample\">\n                <div class=\"card-body\">\n                  <p>You can claim up to $80,000 in personal reliefs for each Year of Assessment.<\/p>\n                <\/div>\n              <\/div>\n            <\/div>\n            <div class=\"card\">\n              <div class=\"card-head\" id=\"headingthree\">\n                <div class=\"collapsed acc-arrow\" data-toggle=\"collapse\" data-target=\"#collapsethree\" aria-expanded=\"false\" aria-controls=\"collapsethree\">\n                  <h4 class=\"Positionheader\">How much tax relief do I get for topping up CPF?<\/h4>\n                <\/div>\n              <\/div>\n              <div id=\"collapsethree\" class=\"collapse\" aria-labelledby=\"headingthree\" data-parent=\"#accordionExample\">\n                <div class=\"card-body\">\n                  <p>You can get up to $8,000 for yourself and $8,000 for family members under the CPF Retirement Sum Topping-Up Scheme.<\/p>\n                <\/div>\n              <\/div>\n            <\/div>\n            <div class=\"card\">\n              <div class=\"card-head\" id=\"headingfour\">\n                <div class=\"collapsed acc-arrow\" data-toggle=\"collapse\" data-target=\"#collapsefour\" aria-expanded=\"false\" aria-controls=\"collapsefour\">\n                  <h4 class=\"Positionheader\">How much tax deduction can I get from donations?<\/h4>\n                <\/div>\n              <\/div>\n              <div id=\"collapsefour\" class=\"collapse\" aria-labelledby=\"headingfour\" data-parent=\"#accordionExample\">\n                <div class=\"card-body\">\n                  <p>You can claim 250% of the donation amount when you give to approved IPCs or the Community Chest.<\/p>\n                <\/div>\n              <\/div>\n            <\/div>\n<div class=\"card\">\n              <div class=\"card-head\" id=\"headingfive\">\n                <div class=\"collapsed acc-arrow\" data-toggle=\"collapse\" data-target=\"#collapsefive\" aria-expanded=\"false\" aria-controls=\"collapsefive\">\n                  <h4 class=\"Positionheader\">Can SkillsFuture-funded courses be claimed under Course Fee Relief?<\/h4>\n                <\/div>\n              <\/div>\n              <div id=\"collapsefive\" class=\"collapse\" aria-labelledby=\"headingfive\" data-parent=\"#accordionExample\">\n                <div class=\"card-body\">\n                  <p>No, you can&#8217;t claim any course fees you paid using SkillsFuture Credits or that your employer paid back to you.<\/p>\n                <\/div>\n              <\/div>\n            <\/div>\n          <\/div>\n        <\/div>\n      <\/div>\n\n\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [{\n    \"@type\": \"Question\",\n    \"name\": \"What\u2019s the deadline to file income tax in Singapore for YA2025?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"You must file by April 15, 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courses be claimed under Course Fee Relief?\",\n    \"acceptedAnswer\": {\n      \"@type\": \"Answer\",\n      \"text\": \"No, you can\u2019t claim any course fees you paid using SkillsFuture Credits or that your employer paid back to you.\"\n    }\n  }]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Introduction: Paying Less Tax&nbsp; Income tax is unavoidable when you earn money in[&#8230;]<\/p>\n","protected":false},"author":9,"featured_media":408,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[23,21,228,227],"industry":[111,104],"ppma_author":[128],"class_list":["post-392","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-accounting","tag-accounting","tag-accounting-software","tag-singapore-income-tax","tag-singapore-taxes","industry-financial-accounting","industry-government"],"yoast_head":"<!-- This site is optimized with 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