Take-home pay & tax
Estimated income tax, compulsory retirement contributions and monthly take-home pay.
How we calculate
- Singapore: YA2026 resident rates. CPF 20% employee and 17% employer (age 55 and below) on wages up to S$8,000 a month; earned income relief S$1,000 and CPF relief applied.
- Malaysia: YA2026 resident rates; personal relief RM9,000; EPF 11% employee, 12–13% employer; EPF relief up to RM4,000; RM400 rebate where eligible.
- Australia: 2026–27 resident rates (15% from A$18,201), low income tax offset, 2% Medicare levy; 12% super guarantee paid on top.
- New Zealand: PAYE rates from 31 July 2024; ACC earners' levy 1.67%; KiwiSaver 3.5% employee and employer.
- Philippines: TRAIN law rates after SSS (5%), PhilHealth (2.5%) and Pag-IBIG (₱200 a month).
Estimates for general information only, not tax or financial advice. Rates as understood in November 2026 for residents. Check IRAS & CPF (SG), LHDN & KWSP (MY), ATO (AU), IRD (NZ) or BIR (PH), or speak to a licensed adviser.